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Summary
-------- AREAS OF EXPERTISE-----------
Relationship Management • Credits for MNCs and Large Local Corporates from all Major Sectors • Credits for Public Entities • Transactional Banking • Trade Finance • Commercial and SME Credits • Cash Management • Stretched Assets Management • Structured Finance • Project Finance & Syndications • Private Equity • Team Management • Projects Evaluations • Monitoring & Evaluation.
Accomplished Corporate Banking Head with 23 years’ experience in Strategy Management, Financial Management, Corporate and Investment Banking, Trade Finance, and Risk assets/loan portfolio management.
Agile Executive with extensive experience in strategic financial leadership and professional roles, managing managers’ teams and key functions, consistently delivering key budgets and KPIs on regional levels. Successful track record in developing assets for revenue & ancillary business generation inculcating cross-sell leveraged business culture by setting cross-sell targets/revenue from Trade, Assets and Liability Management, FX & Cash Management.
Expert in establishing corporate centers in different regions. Led large teams of RMs/RAs, and cultivated key relationships. Managed network of credit branches for the Central Region-Punjab focusing on Commercial/SME segment financing mainly in chemicals, paper, steel/iron, scrap, agriculture/construction machinery, contracting, and commercial importers, with special interest in wholesale markets of Punjab.
Hands-on experience of transforming all types of conventional assets and liabilities to Islamic mode of finance, developing the corporate banking budget, strategy, and growth in volumes and earnings from the corporate portfolios and potential bookings. Drove the Corporate Banking teams to drive market penetration and a satisfied clientele.
Spearheaded the Corporate & Investment banking transactions for GOP, PSEs, Public Sector, MNCs, Large Corporates & SMEs.
Managed the Capex/BMR, structured credit, procurement finance, trade finance, and Cash Management for the MNCs, Public Sector Entities, Large local corporates, and SMEs.
Experience
Sector Specialist Finance
Working as Sector Specialist-Financial Management in BPS-20.
Ensuring appropriate financing structures and forums for various development projects by evaluating the investment proposals, in close coordination with the Appraisal Committees /approving forums such as Public Investment Authorization (PIA), Public Investment Programming (PIP), Central Development Working Party (CDWP) & Departmental Development Working Party (DDWP).
Working at the Economic Appraisal Section (EAS) to identify financial risks and their impact while highlighting mitigation strategies for the PC-1s. Working closely with the Chief Economist/Head of CPEC Cell for CPEC-related development projects & with the Public Private Partnership Authority for smooth implementation of public-private partnership (PPP) measures to boost coordination with the private sector for a sustainable public infrastructure development ecosystem.
Working in close liaison with the M/O Finance, M/O Economic Affairs, Donors, and International Agencies for PSDP & non-PSDP development projects and SDGs funding. Establishing entrenched relationships with the debt/capital market including Banks, Funds, Insurance companies, and the Central Bank on the fiscal sustainability of public finances
Evaluating the cost of production for various commodities in Pakistan benchmarking the pricing of commodities against global market standards and analyzing the pricing/cost structures of similar commodities in other countries, under liaison with Support price committees.
Executive DirectorFinance
Established a greenfield pharmaceutical manufacturing-export-oriented unit at SITE-2, Karachi, Pakistan.
Corporate & Investment Banking Consultant/Advisor.
Advisory for the Credit & Investment transactions for large & SME manufacturing units: Equity Capital raising, working capital, Restructuring for delinquent businesses, and Trade Finance Services.
Principal-Credit and Investment
· Karandaaz Pakistan is a development finance company established in 2014 under the sponsorship of the Bill & Melinda Gates Foundation and the Department of International Development (DFID).
· Karandaaz Capital invests commercially directed capital through a wholesale credit business and direct corporate credit & private equity investment to generate broad-based employment in Pakistan and financial returns for the company.
Area Manager-Corporate Finance
Managing 25 branches. Liability, consumer assets, SME & Commercial and Corporate banking portfolios.
VP/Unit Head-Corporate Banking Group
· Managed a Corporate credit portfolio for approx. PKR 100 Billion while posted at three different business hubs-all corporate banking products to top-notch corporates of the regions.
Successfully restructured the delinquent portfolio resulting in consistent debt servicing and meeting the income targets for the units.
· Managed the cash management unit for the corporate portfolio.
VP/Unit Head-Corporate & Investment Banking Group
· Established the Corporate center for the region, post PICIC merger and centralized all corporate banking relationships.
· Hired and managed a team of RMs/RAs, Trade & CAD officers.
· Managed a credit portfolio of PKR 14 Billion and a team of RMs/RAs.
· Ensured repayments from stuck up accounts and successfully reduced the risk exposure.
· Successfully negotiated and restructured the NPLs through strategic management and entrenched relationship management
Relationship Manager-Corporate Banking.
· Managed the Corporate credit exposure of AED 4 Billion.
· Added new to bank customers for AED 650 Million.
SR. Relationship Manager- North (G6) for Medium Enterprises Group
· Established the hubs and hired a team of RMs.
· Structured the delinquent and SAM portfolio.
· RAR exercise for the post-merger and restructured portfolio.
AVP/Team Leader-Corporate & Investment Banking Group
· Managed a portfolio of 12 Billion for the top tier corporate customers from Textile, electronics, steel, food, sugar and other miscellaneous sectors.
· Booked new client and managed existing portfolio along with a team, allocation of limits, daily activities of the accounts, legal formalities as per the organization and Central bank’s guidelines.
· Instrumental for receivables through aggressive collection strategies and establishing constructive dialogue with delinquent accounts.
Relationship Manager-SME
Initiated the SME business for the hub branches (Gulberg, Upper Mall & Cavalry Ground) by booking new to bank customers
Officer In charge-Mortgage Finance.
· Rolled out and managed the newly launched house finance product for the bank’s main branch.
Assistant Manager-Credit & Marketing
· Responsible for managing the existing mortgage finance exposure as well as booking of new loans.
