Imran Butt

o P&L responsibility of driving business through hands on leadership
whereby exceeding revenue targets,
o Developed and maintained relationships with Airlines, vendors and
regulators (IATA, Dubai Airports and Customs) optimizing internal
processes and lead time.
o Developed new products and West African sectors, successfully negotiated
and secured new contracts.
o Developed network of overseas agents and logistics solution providers.
o Continuously assessing rapidly changing market and highlighting potential
problems to CEO being part of principal decisions to minimize impact and
timely changes to ensure revenue growth.

• Overall responsibility for Credit Management function and leading the receivables and legal team.
• Maintaining relationship with Key accounts and high volume customers to ensure accuracy of billing and timely payments.
• Preparing and finalizing Management reports and ageing; allocation of overdue accounts to team.
• Establish, monitor and control of credit limits, raising risk alerts; authorizing new customer profiles, block / unblock customer account.
• Reconciliation of accounts with customers, resolve shipment losses and claims with customers coordinating with operations team, insurance companies and Airlines.
• Complete coordination with the Law Firm on preparation of civil cases to ensure timely results, keeping track of ongoing civil and criminal cases.
• Continuous coordination with Sales, Operations, Warehouse and Customers to bridge gaps with Accounts and Billing.
• Member of Management Committee; responsible for reviewing and redirecting strategies, administrative deliverance contributing to overall company growth and performance.

• Revamping and Development of existing credit policy coherent to the company’s risk appetite and expansion plans
to ensure sustainable growth.
• Devised risk parameters for African Market and coordinating with Africa offices, lawyers and government agencies.
• Review and redrafting of Credit Documentation, Sales Agreement/STCs, training of sales staff on prudent credit
procedures.
• Regrouped and organized Receivables Team and implemented a Collections Model with a statistical approach to
manage, measure and control receivables and periodic C-Level reporting.
• Managing Hard Core collections and litigation cases; Arbitration through DED and continues follow-up with
retainership lawyers to expedite recovery of legacy bad debts.
• In Process: Credit Portal, a workflow management/ticketing system for credit applications.
Risk Scoreboard, a DSS for new to company customers to quantify risk.

• Responsible for Credit & Collection, Finance & Administration for Dubai and Northern Emirates.
• Networking and Relationship building with Government Institutions and Ministries, maintaining close liaison with project team to eradicate potential problems related to Invoicing, Project Progress and ensuring timely collection of receivables.
• Working in close liaison with Procurement Department, coordinate and perform Purchasing function in Dubai and Northern Region.
• Set up local and overseas offices. Coordinating with contractors and fabricators.
• Responsible for Financial and Administrative related matters for the region, coordination with suppliers, vendors, lessors, petty cash while ensuring cost effectiveness.
• Assessing Private sector customers for credit worthiness and determining credit limits and making recommendations for enhancements.
• Tracking project progress and responsible to bridge the gap between Engineering and Finance.
• Liaison with lawyers, bailiffs, liquidators, following up litigation cases.

• Responsible for development and maintaining group’s credit policy and ensuring the receivables are managed in a timely and effective manner.
• Allocation of aged accounts to collection team and following up with customers above 90 DPD.
• Liaison with lawyers, bailiffs, liquidators, following up litigation cases.
• Conflict resolution with customers, addressing invoicing issues, discrepancies while working closely with accounts department maintaining good working relationship with customers.
• Assigning credit limits to customers based on their repayment history and ensuring the entire credit cycle is functional.
• Identified prospective clientele and marketed the company’s services, improved existing relationships and reestablished compromised business relations.
• Streamlined internal processes, prepared a comprehensive business plan and designed workflows to capitalize on lead generation follow up and materialization. Identified and removed bottlenecks and improved operational efficiencies.
• prepared a comprehensive credit policy to reduce the credit cycle from an average of 120 days to less than 60 days. Established criteria for credit limits and handling of aged accounts.

• Provided leadership to Consumer and Retail Banking Team by motivating and recognizing sales achievements.
• Achieved regional targets and ensured functional, operational and administrative deliverance.
• P/L responsibility for the region, critically monitored cost and planned contingencies to minimize bottom line impact.
• Responsible for regional budget, capacity and manpower planning and ensured optimum utilization and cost effectiveness.
• Established and maintained business relationships with HNW individuals, large corporate, government and regulatory bodies and supported new product development.
• Marketed new business, and increased the gross profitability to the Team of existing customers within the portfolio, in line with credit policies.
• Leading a team of over 40 individuals across 11 branches, monitored, managed and coordinated activities and developed a portfolio of 67m against target of 50m during the soft launch of retail products.
• Increased utilization of the Bank and other subsidiaries / associates' products, with emphasis on SME/Consumer finance products.
• Maintained and controlled existing business to ensure that our customers are of the highest standard with the aim of maximizing returns and profit of each relationship, with the minimum being as laid down by the credit policies.
• Maintained close contact with customers and monitored customer quality in order to minimize the risk of loss to the Bank.
• Ensured that all administration associated with the portfolio is done accurately in accordance with laid down procedures and in a timely manner.
• Was responsible for overall operations of legacy consumer leasing and financing portfolio.
• Improved relationship building with corporate clientele and introducing new consumer asset products.
• Assisted Country Head in staff training for existing and upcoming consumers and retail products.
• Created integrated sales and marketing strategies, and coordinated national and regional sales program implementation.
• Performed risk review of the legacy portfolio and formulating strategies from time to time to minimize losses.

• Developed and implemented credit policy for SME and Consumer lending and presented the business plans to existing shareholders to gather support for the strategy.
• Credit Initiation, Credit Analysis and Review, assigning and revising credit limits.
• Provided leadership and support to Collections Team and contributed to continuous procedural improvements.
• Coordinated with the Litigation Department for initiation and follow up court cases, followed up important cases in Banking Courts and maintained an effective management reporting for recovery/litigation cases.
• Negotiated premiums with insurance companies, to ensure adequate risk coverage on assets.
• Devised income estimation and verification techniques, hired and trained staff to carry out credit initiation functions.
• Selection and induction of external agencies, vendors and suppliers.
• Was responsible for overall operations and supervision of central region.
• Managed consumer and SME portfolios of over 500 loans with a volume of 250 m.
• Ensured effectiveness of credit policy and adherence to regulatory controls.
• Prepared and finalized ageing accounts and NPL reporting.
• Collection of all consumer asset products through in-house and out sourced agencies.

• Prepared management recommendations, such as need for changing interest rates, fees and charges, expansion and other changes to existing schedules.
• Conferred and cooperated with management in formulating and implementing administrative, operational and customer relations, policies and procedures.
• Managed team targets and coordinated activities to ensure deliverance and administrative controls.
• Coordinated with government bodies to update procedures related to loan securitization.
• Communicated with sales teams and Dealers in regards to the status of the loan applications being worked.
• Worked with marketing representatives on sales calls and provided the technical support to close deals.
• Ensured submitted contracts and loan packages are complete, accurate and reflect proper approval authorities relative to the underlying credit decision.
• Evaluated credit proposals while ensuring credit prudence and SBP regulations.
• Managed delinquency and achieved budgeted disbursement targets.
• Ensured contracts submitted for funding have been accurately completed, specifically Truth-In-Lending and Regulation Z disclosures and ensure the accurate calculation and proper disclosure of federal or mandated fees.
• Operated within a paperless environment while closely inspecting loan package documentation for suspicious or fraudulent documentation.

• Provided end to end services from generating new business to disbursement and follow-ups.
• Identifying customer need and offering tailored financial solutions addressing specific needs.
• Promoted group synergy by cross selling and developed products for member group companies and employees.
• Sold group products by developing customized leasing solutions to large institutions (Pakistan Air Force and Textile Industry)
• Defined the product strategy and roadmap; worked with external third parties to assess partnerships and opportunities.
• Was responsible for both product planning and product marketing.
• Monitored and controlled activities of sales team.
• Ensured conformance to credit policies and SBP regulations.
• Review of credit proposal and documentation for disbursement.
• Planned promotional activities and maintained Liaison with major suppliers.
• Ensured that the product and marketing efforts support the company’s overall strategy and goals.