Head
مجموع سنوات الخبرة :19 years, 6 أشهر
Asset Management
The Bank of Punjab - Retail Finance Division, Head Office
Job Description
•Handling the portfolio of 70, 000/- customer based portfolio.
•99% success rate in specialized and conventional schemes.
•Implement strategies/policies for efficient monitoring of consumer/SME loans and ensure timely recovery of installments after disbursement.
•To monitor the Recovery of all the consumer & SME schemes on monthly basis.
•To review the PPMs in light of SBP PRs.
•Improve strategies, processes & documentation for monitoring/recovery of consumer/SME/Commercial loans pertain to Division.
•Deals in legal process i.e. suit filing.
•Meetings with Aasaish partners in case of Aasaish Loan Scheme where tri-party MOU has signed.
•To prepare the SOP for the Collections and Recoveries in case of new business started either under MOU or without.
•Weekly/Monthly/Quarterly/Yearly consolidation of statement for analysis and onward submission to Head office / SBP.
•Handling the Restructuring and Rescheduling of loans.
•Trainings of the staff regarding the collections and recoveries strategies.
•Visits to the all regions for monitoring and streamlining of the Consumer/SME Classified portfolio.
•Complete all requirements of bank & SBP regarding maintenance of delinquent accounts.
•To ensure that all internal / external guidelines, SBP’s Prudential Regulations and other statutory and mandatory requirements are met strictly and complied within letter & spirit.
•Coordinate with operations & MIS unit in preparation of statements required by SBP Inspection Team & internal auditors.
•Highlighting the sensitive areas of bank’s target market by looking into geographical/income /age/profession/organization group or segments with respect to NPL position
•Analyze the movement of sensitive accounts.
•Keep liaison with IT Department for system development, modification of delinquencies reports (to be generated at branch/region/HO level)
•Liaison with Government Finance Department for recovery of subsidy amounts.
•Conduct Training at region/branch level on collection & recovery aspects.
•Agreements with outsource agencies for Recovery/Repossession in accordance with the prudential of State Bank of Pakistan.
•Handle all matters pertaining to write off loans
•Coordination with Law Department in order to pursue the litigation matters.
•Any other task assigned by Management from time to time
ACHIEVEMENTS
•Produce best collection ratio in SESEUY (Yellow Cab) scheme i.e. 96% client based resolution and 99.83 % rental based collection.
•Produce best collection ratio in APNA ROZGAR SCHEME (Green Cab) scheme i.e. 99.9% client based resolution and 99.9 % rental based collection.
•97% in Auto Lease (other than SESEUY) collection.
•99% Unsecured collection
•Commercial lease…. 99% collection with 0 delinquency
Unit
Recoveries - Consumer Finance
The Bank of Punjab - Consumer Banking Division, Head Office
Job Description
•Implement strategies/policies for efficient monitoring of consumer loans and ensure timely recovery of installments after disbursement.
•Monitoring of Consumer Collections on periodical basis and ensure that installments are being recovered as per schedule.
•To monitor the Recovery of all the consumer schemes on monthly basis.
•Improve strategies, processes & documentation for monitoring/recovery of consumer loans.
•Deals in legal process i.e. suit filing.
•Meetings with Aasaish partners in case of Aasaish Loan Scheme where tri-party MOU has signed.
•To prepare the SOP for the Collections and Recoveries in case of new business started either under MOU or without.
•To prepare monthly/Quarterly Classification of Consumer portfolio.
•Weekly/Monthly/Quarterly/Yearly consolidation of statement for analysis and onward submission to Head office / SBP.
•Handling the Restructuring and Rescheduling of loans.
•Trainings of the staff regarding the collections and recoveries strategies.
•Visits to the all regions for monitoring and streamlining of the Consumer Classified portfolio.
•Complete all requirements of bank & SBP regarding maintenance of delinquent accounts.
•To ensure that all internal / external guidelines, SBP’s Prudential Regulations and other statutory and mandatory requirements are met strictly and complied within letter & spirit.
•Support Operations & MIS Unit in preparation of returns for SBP monthly, quarterly & annual reporting regarding position of classified/NPL portfolio.
•Coordinate with operations & MIS unit in preparation of statements required by SBP Inspection Team & internal auditors.
•Coordinate with operations & MIS for Periodical reporting to RMD/Finance Division.
•Maintain branch/region wise position of overdue / classified accounts.
•Highlighting the sensitive areas of bank’s target market by looking into geographical/income /age/profession/organization group or segments with respect to NPL position
•Analyze the movement of sensitive accounts.
•Keep liaison with Insurance companies for Loan Protection Plan/Life Insurance/Vehicle /Property Insurance etc.
•Handle all deceased cases & guide branches/regions for settlement of death claims
•Keep liaison with COMU for system development, modification of delinquencies reports (to be generated at branch/region/HO level)
•Conduct Training at region/branch level on collection & recovery aspects.
•Agreements with outsource agencies for Recovery/Repossession in accordance with the prudential of State Bank of Pakistan.
•Handle all matters pertaining to write off loans
•Coordination with Law Department in order to pursue the litigation matters.
•Any other task assigned by Management / Unit Head from time to time
Achievements
•Prepared detailed Standard Operating Procedures’ Manual on Collections and Recoveries of each Consumer Product.
•SOP for Collections.
•SOP for Consumer verification
Recoveries - Consumer Finance
The Bank of Punjab - Consumer Banking Division, Head Office.
Job Description
•Implement strategies/policies for efficient monitoring of consumer loans and ensure timely recovery of installments after disbursement.
•Monitoring of Consumer Collections on periodical basis and ensure that installments are being recovered as per schedule.
•To monitor the Recovery of all the consumer schemes on monthly basis through z303014 report.
•Improve strategies, processes & documentation for monitoring/recovery of consumer loans.
•Deals in legal process i.e. suit filing.
•Comply with requirements of IRAF
•Meetings with Aasaish partners in case of Aasaish Loan Scheme where tri-party MOU has signed.
•To prepare the SOP for the Collections and Recoveries in case of new business started either under MOU or without.
•To prepare monthly/Quarterly Classification of Consumer portfolio.
•Weekly/Monthly/Quarterly/Yearly consolidation of statement for analysis and onward submission to Head office / SBP.
•Trainings of the staff regarding the collections and recoveries strategies.
•Visits to the all regions for monitoring and streamlining of the Consumer Classified portfolio.
•Complete all requirements of bank & SBP regarding maintenance of delinquent accounts.
•To ensure that all internal / external guidelines, SBP’s Prudential Regulations and other statutory and mandatory requirements are met strictly and complied within letter & spirit.
•Support Operations & MIS Unit in preparation of returns for SBP monthly, quarterly & annual reporting regarding position of classified/NPL portfolio.
•Coordinate with operations & MIS unit in preparation of statements required by SBP Inspection Team & internal auditors.
•Coordinate with operations & MIS for Periodical reporting to RMD/Finance Division.
•Maintain branch/region wise position of overdue / classified accounts.
•Highlighting the sensitive areas of bank’s target market by looking into geographical/income /age/profession/organization group or segments with respect to NPL position
•Analyze the movement of sensitive accounts.
•Keep liaison with Insurance companies for Loan Protection Plan/Life Insurance/Vehicle /Property Insurance etc.
•Handle all deceased cases & guide branches/regions for settlement of death claims
•Keep liaison with COMU for system development, modification of delinquencies reports (to be generated at branch/region/HO level)
•Conduct Training at region/branch level on collection & recovery aspects.
•Agreements with outsource agencies for Recovery/Repossession in accordance with the prudential of State Bank of Pakistan.
•Handle all matters pertaining to write off loans
•Coordination with Law Department in order to pursue the litigation matters.
•Any other task assigned by Management / Unit Head from time to time
Achievements
•Prepared Standard Operating Procedure of Collections and Recovery for the New Business in Year 2009 and onward.
•Substantial decrease in the classified portfolio.
•Rectifications of the all the discrepancies reported by the SBP.
(
Streamline the Collections & Recoveries while serving as
Sargodha Region (OG -11I)
Auto Loans, Cash line
Daily calls to customers for outstanding payments.
•Maintain daily MIS of customers, called for collection
•Routine visits to customers for collection of due payments.
•Prepare Auto portfolio status.
•System handling.
•Prepare Daily and Monthly MIS.
•Repossession
•Courtesy & Pre-emptive calling.
•
•Insurance Claim
•Files maintenance.
ACHEIVEMENTS
•Provided ZERO Delinquency and ZERO GCL in Autos & Cash line Collection in United Bank Limited in Year
I have completed B.Sc. (Hons) Agriculture 4 years degree with major subject of Agronomy from University of Faisalabad.