Page 10 - NIBAF-Training Matters April-June 2021

Mr. Irfan Umar with educational background of Finance and
Accountancy has experience of 25+ years in Consumer Finance including 15 dynamic years of

leadership roles in Consumer Credits & Housing Finance with Commercial Bank and a NBFC.
Experience encompasses Business, Policy, Credit, Compliance & CAD with innovation initiatives in
products and processes. At Present he is head of consumer products of JS Bank at Karachi. A

specialized trainer for conducting sessions under SBPs/NIBAFs industry initiatives since 2007 as
well as institution’s product teams, trainees and cross sell channels.

Training Matters!

I have been associated with NIBAF since late 2018; partnering for shared learnings and to pass on
my knowledge and 15+ years of Housing experience to Banking Industry.

NIBAF gave me this exciting opportunity to contribute towards Capacity Building of Commercial
Banks housing finance related teams and Capacity Development for Affordable Housing (Low Cost
Housing) in 2nd tier cities both for Commercial and Microfinance Banks.

I got to interact with experienced and potential housing finance RMs to learn about geographical
dynamics in 10 cities.
Reaching out to bankers for physical sessions was very exciting and effective 2 way learning
experience.

Training Matters!

World wide growth in housing is taken as the key indicator for economic activity because of the
40+ industries associated with it, financing is also a major channel in developed countries for home
ownership and we need to put in serious efforts to develop this specialised financing product
fraternity for effective and efficient contribution to banking balance sheets and customer
relationship stickiness.

SBP has been playing an effective role in providing banks with requisite tools to progress and
aggressive training calendars during last 2-3 years has been a big driver.

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