A credit, portfolio management professional with diversified experienc

Shahid Hussain

Self Employed

Contact Information Personal Information

Email Address: ******-****@*******.*** Birth Date: 11 February 1978 (Age: 43)

Mobile Phone: +923**-******* Address:345, Mag Town, Nationality: Pakistan

Sialkot City Marital Status: Married

Number of Dependents: 5

Driving License: Saudi Arabia, Pakistan

Languages: Arabic, Level: Functional

English, Level: Expert

Target Job

Career Objective: A senior credit control, portfolio management, business development and leasing professional with 20 years of experience. Seeking a senior level position in a diversified business group to offer allied proficiencies in credit management, portfolio management, strategic management, financial modeling, focused business approach, reporting and training as well as mentoring junior staff members to add to company's financial bottom line.

Key Achievements

ABSAL Group (A Saudi Arabia based diversified conglomerate)

Recovered SR.19.1 million stuck up amounts from various customers by engaging customers through negotiation skills and consistent follow up

None of the customers defaulted

ORIX Leasing (A multinational leasing company with presence in 26 countries)

Least infected portfolio with Zero default rate

Surpassing business targets every year

Consistency in performance and promotions

Experience Summary

(20 Years)

Self Employed

IDM Company

Company Industry: Export

Job Role: Partner

November 2020- Present

Key Responsibilities:

.Effective product portfolio management

.To implement total quality management policies

. To have smooth cash flows of the company

.To review purchase orders and payment terms

. Suppliers’ management through effective liaison

Head - Credit Control Department

at Absal Steel Cut & Bend Factory Company

Company Industry: Steel Manufacturing

Job Role: Credit Controller

July 2017 –November 2020

Key Responsibilities:

. To implement credit policies in coordination with sales staff as well as top management

. To review customer sales orders in line with payment terms

.To keep on alert the sales staff well in advance on customers’ credit limits breach

. Receivables management by maintaining healthy relationship with customers

. Effective reporting to seniors on periodical basis

. To monitor a team of collectors for receivables management, completion of credit documents, invoices, balance

confirmations and payment schedules/agreements

. Training and development of team members by aligning with company philosophy

. Managing all legal and financial documentation involved related to credit applications, balance confirmations, payment

schedules etc.

. Co ordination with legal consultant to follow up legal cases

Senior Manager (Credit & Marketing)

at Saudi ORIX Leasing Company Location: Riyadh, Jeddah, Saudi Arabia)

Company Industry: Financial Services

Designation Chronology:

• Jan 13 –Jul 17: Senior Manager

• Feb 10 - Dec 12: Manager

. Feb 08- Jan 10: Assistant Manager

Job Role: Credit & Marketing

February 2008 – July 2017

Performance Highlights:

. Surpassed the annual target of SR.40 million for the year 2013 reaching at SR.62 million

• Accomplished double of assigned sales target for the year 2012 reaching SR 48 million (target SR 24 million).

• Ranked 1st in target achievement and overall performance score within the Head Office for the year 2011, achieving SR 65 million for an assigned target of SR 18 million.

• Maintained zero default rate for customers at Saudi ORIX Leasing Company through profitable relationship management.

Key Responsibilities:

. To attain assigned business targets by maintaining relationship with existing customers and to attract new profitable customers through direct marketing, telemarketing and referential marketing

• Acted as a catalyst in activating new customers by networking with them and introducing company’s product as well as existing portfolio

. Preparing detailed financial reports of high profile customers with large exposures to be reviewed by General Manager,

EXCO, and Board by complying with requirements set by Saudi Arabian Monetary Agency. (SAMA)

. Receivables management by maintaining healthy relationship with customers

. Ensuring customers credit worthiness by analyzing their cash flows and overall industry situation with regards to economic

changes.

. Relationship management with suppliers of fixed assets Kingdom wide

. Effective reporting to seniors on periodical basis about business position as well as receivables management

. Training and development of team members by aligning with company philosophy

• Managing all legal and financial documentation involved in different leases while eradicating any problems arising to

guarantee timely processing of lease.

• Remaining updated on all new leasing financial products offered by the company while communicating about them to

existing as well as potential customers.

• Proactively monitoring various segments of the economy, carving out new niches to target, and advising the company on nurturing newly discovered market segments by fulfilling their industry specific needs.

• Overseeing and managing all communications with key internal and external stakeholders while keeping company’s interest on top priority.

Team Leader/Assistant Manager

at ORIX Leasing Pakistan Limited Location: Pakistan, Goolam Kadir Arcade Aziz Shaheed Road Cantt, Sialkot

Company Industry: Financial Services

Job Role: Credit & Marketing

September 2007 - February 2008

Designation Chronology:

• Sep 07 - Feb 08: Assistant Manager & Team Leader

• May 04 - Aug 07: Senior Officer Credit & Marketing

• Sep 01 - Apr 04: Officer Credit & Marketing

Highlights:

• Maintained default rate at 0% during the entire 6.5 years career at ORIX Leasing Pakistan Limited.

Key Responsibilities:

•Effective team management by giving equal importance to team members in learning and career development.

• Responsible for achievement of personal as well as team’s business development goals by contributing efforts and business acumen.

• Closely monitored customer’s payment behavior, reviewed reports from three regional offices for approval, and voiced opinion about credit worthiness of different customers in review.

. Checking credit reports of zonal office located in Gujranwala with emphasis on financial analysis and credit worthiness of the customers

• Maintained cordial working relationship with important external stakeholders including suppliers of fixed assets, insurance companies, and surveying companies for analyzing resale value of assets.

• Acted as first contact with external branches, helped the head office manage their workload, and coordinated with them to resolve any issues faced.

• Managed portfolio of existing customers, proactively looked into opportunities for developing business, and targeted potential customers.

Previous Professional Experience:

• Visiting Lecturer at Allama Iqbal Open University for Financial Management

• Six weeks Internship at PTCL, Head Office, Islamabad

Education

Master's degree, MBA Finance

at International Islamic University

Location: Islamabad, Pakistan

Completion Date : March 2001

Subjects Studied:

Financial Accounting, Cost Accounting, Analysis of Financial Statements, Project Management, Corporate Finance. Human Resource Management, Marketing, Economics and Business Communication,

Other Accomplishments:

• Awarded stipend for two semesters.

• Stood 3rd in the entire batch

Bachelor's degree, B.Sc. - Math I /Math II /Physics

at University of The Punjab

Location: Sialkot, Pakistan

Completion Date : December 1998

High school or equivalent, F. Sc. - Pre-Engineering

at Government Jinnah Islamia College

Location: Sialkot, Pakistan

Completion Date : April 1995

Certificates/Diploma

Bachelor's Degree / Higher Diploma, (Chartered Islamic Finance Professional)

at The Global Finance University for Islamic Finance

Location: Kuala Lumpur Malaysia

Completion Date: Completed all 14 subjects in December 2014

Subjects Studied:

Wealth management in Islam, Takaful & actuarial practices, Fundamentals of Islamic finance, Islamic Economics etc.

Certification / Diploma, IBP Banking Diploma

at Institute of Bankers

Location: Karachi, Pakistan

Completion Date : January 2008

Computer skills:

MS-Word, MS-Excel, MS-Power Point

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