GROUP HEAD, SPECIAL ASSETS MANAGEMENT & COMMERCIAL BANKING GROUPS
NIB Bank Limited
Total years of experience :33 years, 4 Months
Reporting to the CEO
•Member of Executive Committee, Operational Risk Management Committee, Credit Committee and ALCO of the Bank
•Responsible for negotiating recovery, restructuring, rescheduling and management of US$300M delinquent loans portfolio of commercial and corporate risk
•In 2012, 2013 and 2014 negotiated recovery of over US$50m of bad loans, resulting in positive bottom line impact of over US$45m. Saved provision of US$15m.
•Also, responsible for rebuilding Commercial Banking business from scratch on country-wide basis by hiring resources, revamping branch network and processes and developing marketing strategy for products, such as Letters of Credit, Post-import Financing, Export Refinance, Bills Purchase and Discounting through 29 dedicated branches with a staff of 350 including 2 Regional General Managers and 8 Area Managers in 11 cities, across Pakistan, with customer and segment strategy of offering aggregate funded facilities of up to Rs700m to businesses with sales of Rs3billion
•In 2014, on YOY basis, Commercial Trade, Deposits and Trade related Loans increased by 130%, 25% and 33% respectively. More than 50% of incremental deposits in Current Accounts
Reporting to the CEO & Executive Director
•Responsibilities included increasing Commercial and Corporate Business
•Management, negotiation and settlement of large and complex Delinquent Account relationships
•Active involvement in initiatives, such as Change Management, improving Credit Risk Management, Compliance Culture, HR Quality Enhancement, Operational Risk Management, Restructuring and Branding of Branches
Reporting to the Board Audit Committee/ Board of Directors of the Bank
•Member of Executive Committee, IT Steering Committee and Country Operational Risk Management (ORM) Group with responsibility to implement ORM Framework to highlight, enhance, manage, monitor and mitigate operational risk across a network of 170 branches
•Conduct regular audits, as per regulatory requirements, and manage regulatory relationships with regulators in Jordan, Afghanistan and Lebanon
•Significantly reduced frauds and Operational losses across the network of branches and support functions of the bank by introducing Day Audits of Key Controls
Reporting directly to the CEO
•Member of Executive Committee & Country Integration Committee
•Following the acquisition of Prime Bank by ABN-AMRO Bank NV, was assigned, as part of the Management Team, to build and drive the Islamic Banking initiative of ABN AMRO Bank NV in Pakistan for consumer and corporate customers
•Responsible for managing a Distribution Network comprising 69 Branches (USD500m in Consumer Liabilities) in 25 cities, across the country with emphasis on improving turnaround time and building service culture
•Entrusted with the task of Retail Resource Mobilization, Booking of Retail & Consumer Assets and Trade Business through cross selling
•Developed and successfully launched products to generate deposits of USD50m in 4 months for enhancing the Core Deposits Base of the Bank
•Intensively associated with the entire process of Divestment of the Majority Shareholders' interest in Prime Commercial Bank Limited to ABN-AMRO Bank N.V. and the relative Merger formalities of the two (2) Banks
•Reporting directly to the CEO
•Region comprised of 20 Branches with Balance Sheet Footing of USD200m, Trade Business of USD300m and a Staff Complement of over 250 persons
•Responsible for Marketing of Corporate & Commercial Business for the bank in the region
•Assignment included the responsibility for Managing Market and Credit Risk, Special Assets Portfolio with emphasis on expanding the distribution network in the region
•Started Consumer Banking in Prime Bank by developing products, besides initiating Marketing and Advertisement campaigns for successfully launching Auto and Consumer Durable Finance on country-wide basis
•Doubled the profitability of the Region in 3 years by improving recovery of Bad Loans and growing Current/ Low Cost Deposits and Trade by 90% and 200% respectively
Reporting directly to the Regional General Manager
•Branch had a Balance Sheet Footing of USD30m and Trade Finance business of USD70m.
•70% increase in Profitability over 4 years through aggressively marketing of Low Cost Deposits, Commercial Trade and Trade related Loans
Responsible for managing Domestic Banking Operations including Customer Services, Credits, Foreign Trade, Finance and Administrative matters. The Branch comprised of 50 Officers
Established and managed a Trading House in Colombo, Sri Lanka, with local collaboration.
Offshore Banking and FI business Marketing
•Assignment included Marketing of Banking Services to Offshore Clients and developing Correspondent Banking relationships with Financial Institutions in Sri Lanka.
•Built strong rapport with financial institutions in Sri Lanka to ensure that large size Public Sector Import Letters of Credit of US$200M p.a. are advised through BCCI offices around the world to increase business size and profitability
•BCCI, Republic of Maldives
credit and marketing division, head office, Cairo
Selection for Foreign Assignment 1980
•Transferred to Cairo, Egypt, as an Officer of the select International Cadre of the BCCI Group
Short-term assignment for orientation to the Middle Eastern Capital Markets
•Assigned with the role of achieving Standardization of Bank's operations by prescribing, devising and implementing procedures for improving Efficiency, Compliance, Controls and Functionality of the Bank's nation-wide branch network
Management of Service Operations •3-Week Program conducted by Lahore University of Management Development Management Sciences