Karachi Division, Sindh, Pakistan
I am a Seasoned Analytics & Data Science Professional driving data-led transformation in the banking sector. Currently with Mashreq, I design and scale advanced analytics and business intelligence solutions that enable executive decision-making, optimize retail portfolio performance, and accelerate revenue growth. My expertise spans predictive modeling, credit risk analytics, Next Best Offer (NBO) strategies, KPI governance, and high-impact executive dashboards that provide real-time visibility into performance, profitability, and customer behavior. I specialize in transforming complex, large-scale datasets into actionable insights that strengthen strategic planning and operational excellence. With strong command of Excel, SQL, SAS, Python, Microsoft Fabric, and Power BI, I build scalable, production-ready analytics and BI ecosystems turning data into intelligence and dashboards into decision engines. Passionate about leveraging AI, analytics, and business intelligence to deliver measurable business impact.
• Card Propensity Model: Developed and deployed a Card Propensity Model using Python (XGBoost) and SAS, analyzing 1M+ customer records to identify high-conversion prospects, improving campaign response rates by 37% and increasing card approval efficiency across retail banking portfolios. • Customer Inflow & Outflow Analytics: Led a large-scale transaction behavior analysis across 35M+ customer transactions, segmenting salaried and non-salaried customers to identify fund outflow patterns, including remittances, interbank transfers, and external account movements. Delivered insights that supported retention strategies and reduced deposit leakage by an estimated 8%. • Digital MI Reporting: Designed and automated monthly Digital MIS dashboards for Retail Banking leadership, consolidating KPIs across 10+ business units and reducing manual reporting effort by 70%, enabling faster executive decision-making and performance monitoring. • Customer Segmentation & Engagement Analytics: Built advanced customer engagement and profitability frameworks using SAS and Python, identifying high-value customer segments representing 25% of the retail portfolio and enabling targeted campaigns that increased customer engagement by 18%. • Strategic Analytics & Business Partnering: Collaborated with senior stakeholders across Cards, Digital Banking, and Retail Banking functions to deliver actionable insights, performance analysis, and growth opportunities, supporting initiatives that contributed to a 12% improvement in key retail banking performance metrics.
• Advanced Analytics for Raw Bank Africa: Designed Power BI dashboards, including a KPI Monitoring Dashboard for Raw Bank Africa, processing ~10M transaction records from the server, reducing report generation time by 20% for retail banking operations. • Machine Learning Implementation: Developed Next Best Offer recommendation models using Python (sklearn), boosting product cross-sell rates by 15% through targeted client segmentation for financial clients, including Raw Bank Africa. • Loan Credit Scoring: Built predictive models to assess credit risk, improving loan approval accuracy by 12% and reducing default rates, tailored for Raw Bank Africa’s retail loan portfolio. • Data Infrastructure Optimization: Created ETL pipelines in Microsoft Fabric to integrate ~15M records into a SQL Server DWH, enhancing data accessibility for Raw Bank Africa’s strategic decision-making. • Stakeholder Collaboration: Partnered with Raw Bank Africa’s executives and branch managers to deliver actionable insights, presenting strategies that optimized operational efficiency and client engagement across 100+ branches.
Engaged in close collaboration with diverse businesses to identify and address their pain points, driving improved outcomes. Proficient in handling various financial use cases and deploying machine learning models.
Currently serving as a Zindigi Prize National Onboarding Council Member, where my responsibilities include the selection of the next Campus Directors and actively contributing to the development of policies and the organization of events related to Zindigi Prize.
Organize your On Campus version of the Zindigi Prize, using a turn-key tool kit and the support of dedicated staff at the Zindigi Prize. ▪ Recruit an On Campus Organizing Committee to help you execute your vision. ▪ Invite students to form a team of 3 to 4 students in order to solve the pressing issue and compete for a spot in the regional phase. ▪ Manage communication with participants. ▪ With the support of your team, plan and participate in valuable events, training, and workshops to enrich your community including the OnCampus final pitch event. ▪ Report the program results to the Zindigi Prize staff and ensure the continuation of the Zindigi Prize mission on your campus by finding a successor to take over the role and lead after you.
Graphic designer instructor at Saylani Mass IT.