HABIB BANK LTD | PAKISTAN
Total years of experience :27 years, 10 months
Manage and mitigate risk for top-tier local and multinational corporate portfolios valued at $650M USD.
* Provide advice and counsel to clients in the power generation, telecommunications, fertilizer, chemical,
textile, commodities, FMCG, healthcare, food, and dairy acquisition industries for the purposes of
structuring and financing multi-million-dollar M&A, debt financing, expansion, and commercial loans
including;
o $140M USD debt financing for a power utility company;
o $90M USD vessel acquisition for national ship carrier;
o $400M USD M&A telecom transaction;
o $40M USD capacity expansion for multinational dairy manufacturer;
o $10M Balancing, Modernization and Replacement (BMR) project for leading confectionary; and
o Onboarded a new foreign-owned foods manufacturer and endorsed a $42M USD term-loan for
enhancing capital expenditures.
* Advocate for clients by liaising cross-functionally with internal departments in the spirit of providing elite
customer service and serving as a one-window solution for clients.
* Instrumental member of peak-performing task force that oversaw the execution and enactment of new
capital governance frameworks in compliance with international standards
Multiple vertical promotions to roles with increasing scopes of responsibility earned through diligence, natural
leadership skills, and the unmatched ability to master complex concepts quickly while delivering on high-
profile standards in alignment with bank processes, procedures, and goals.
OZAIR BILGRAMI | 347-826-1750 | ozair.bilgrami@gmail.com | linkedin.com/in/ozairbilgrami | Page 2
Subject Matter Expert (SME) on customer contract negotiations, proactive risk assessment, fraud detection,
and finance management techniques for corporate accounts.
Provide insight and strategic planning on the development and deployment of capital management, term
finance, trade facilitation, trade financing, syndications and project financing, and investment products.
Utilize advanced communications and networking skills to prospect for new clientele in order to grow portfolio
and increase bank’s profitability without sacrificing complete satisfaction to existing customers.
Update, analyze, and manage client portfolios to anticipate and identify problems related to risk, audits, and
compliance policies to proactively implement creative solutions in advance of issues.
Perform deep dive needs analysis to determine client needs and credit worthiness including diversifying
portfolios by cross-selling transaction & employee banking, treasury, consumer, and branch banking
solutions.
Coach and mentor a team of 3 Relationship Associates with effective training and performance reviews that
enhanced their knowledge of portfolios and fine-tuned their client-facing relationship skills.
SME on quantitative risk and performance analysis for high-touch and sensitive accounts amounting to $365M
USD.
Interpreted and reviewed analytical reports, market trends, and quantitative data/statistics to illustrate
customer behaviors and aid in critical decision making for future strategies.
Consistently recognized, commended, and awarded for outstanding performance including an honor for
having the highest portfolio volume and earnings in CY 2013.
Professionally and quickly responded to customer requests, problems, complaints, and compliments in an
attentive, courteous, and efficient manner ensuring client loyalty resulting in annualized growth of over 25% in
both assets and business volume.
Promoted, advised, and recommended appropriate products/services to customers depending upon their
described need.
Partnered with senior management to implement necessary departmental changes geared towards
improving customer satisfaction.
Relevant Coursework: Corporate Strategy, Supply Chain Management, Industry & Competitive Strategy, Managerial Policy.