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PECHS – KARACHI – *****

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BRIEF DESCRIPTION With over 17.6 years of experience in Banking & Financial Services I have developed sound analytical, portfolio management and business development skills with an ability to engage and maintain strong relationships with stakeholders of all levels. I have managed end to end commercial credit risk i.e. from originating the deal, structuring the credit proposal with covenants and conditions, monitoring & supervision and recovery. I am looking for a challenging role in a dynamic and progressive financial services organization, where I can apply my experience, skills set and potential to its best WORK EXPERIENCE Bank Al Habib Limited May 2022 – To Date Sr. Chief Manager / Regional Unit Head – Channel Financing Division

Target Specific position

Position reporting to Country Head – SME & Channel Financing Division Core Responsibilities

Responsible to create Products for program based lending for corporate, commercial and SME customers with emphasis on asset base growth through existing and prospective customers. Formulated and implemented business strategies with focus on program lending and to be the main transactional banker. Portfolio comprised of mainly three sectors i.e. Automobile, fertilizer and FMCG.. Managed and developed team. Ensured that appropriate internal controls and monitoring strategy are in place and functioning adequately in products designed. Direct reports: 08 (2 Team leaders, 2 RMs

&4 ARMs).

Bank Al Habib Limited Jun 2021 – May 2022

Sr. Chief Manager / Head of Assets (Sindh & Baluchistan Zone) – Commercial & Retail Credit

Target Specific position

Position reporting to Zonal Head – Sindh & Baluchistan Zone Core Responsibilities

Responsible to streamline Credit function including hiring of resources, defining/aligning credit processes, business boundary and transaction cut-offs as per local market dynamics. Imparted training for business unit on preparation of effective credit proposals and orientation on the complete end to end credit cycle; origination, coverage and recovery. Portfolio comprised of diversified clientele from various sectors mainly commodity trading and seasonal business (Rice, Cotton & Wheat). Developed successful marketing strategies from credit and cross sell perspective for making relationships more stickier and maximizing gross yields with prime focus to be main transactional banker. Ensured that appropriate internal controls and monitoring strategy are in place and functioning adequately. Provided strong governance and oversight to Business to ensure credit and external Regulatory Compliance requirements are fulfilled at all times. Annual budget for the year over achieved by 41% i.e. incremental asset booked was PKR 3.3 Bn (from PKR 6.5bn in Dec 2020 to PKR 11.6 bn in Dec 2021). Direct reports: 21 (Unit Heads/SRMs/RMs & ARMs).

Bank Al Habib Limited Jul-2013 – Jun 2021

Sr. Chief Manager / Team Leader – Commercial Credit

(Part Karachi & Hyderabad)

Target Specific position

Position reporting to Head of Commercial Lending

Additional responsibility of heading the Commercial Centre Hyderabad Core Responsibilities

ALI AHMED

Managing a team of Relationship Managers and Relationship Associate for management of the portfolio (both Part Karachi and Hyderabad).

Core responsibility includes building the commercial portfolio.

Stay in liaison with the prospective clients.

Bank Al-Habib Limited initiated a new set-up for commercial lending in 2013 prior to which the customers classified under the segment were being dealt with either Retail or Corporate. However, upon formation of the new commercial assets, the task assigned was to built up a completely new portfolio where the existing “commercial classified clients / portfolio” was not acquired. In order to deal with the task, a relationship manager and an associate has been assigned in the team with focus to built a new portfolio. Since the joining date upto January 31, 2014, my portfolio mark have reached PKR 6.695 Bn

(funded) and trade business of PKR 21 bn alongside healthy a pipeline which is under due diligence.

Habib Bank Limited Feb 2012 – Jul 2013

Credit Hub Manager – Retail Banking Group (Assets)

Target specific position.

Position Reporting to Head of Retail Lending.

Core Responsibilities

Manage a team of Credit Marketing Officers (CMOs).

Manage asset based relationships of a total of 21 branches under the hub for facilitation and marketing of asset based relationships through CMOs

Maintain / market credit portfolio of both funded and non funded lines as prescribed in the product program for retail lending and non product under commercial lending segment.

Time management and people management for delivery of quality services and prompt approval for the existing assets based / fresh clientele.

Stay in close liaison with the branch managers and area managers for marketing of new client.

Supervise portfolio and assisting CMOs with structuring of facilities, process improvement, justification for financing for gaining business quantum and new referrals.

Habib Bank Limited Jul ’07 – Feb 2012

Relationship Manager – Commercial Banking (Assets)

Target specific position.

Position Reporting to Deputy General Manager (Regional Head). Core Responsibilities

Marketing and Relationship Management for a portfolio, with focus on portfolio enhancement and maximization of facility utilization.

Structuring of fund-based and non-fund based as well as trade specific facilities for individual companies in the assigned portfolio.

Supervising existing facility renewal package preparations, incorporating the justifications for enhancement requests.

Maintaining regular customer contacts by frequent interactions and meetings focused on gaining new business quantum and new referrals.

Managing daily transaction flow including temporary facility enhancement requests for immediate accommodation of customers

Faysal Bank Limited May ’05 – Jul ‘07

Relationship Manager – SME Banking Group

SME group established in 2004 to cater to the emerging and untapped market of SMEs in Pakistan, currently having an exposure in excess of Rs. 10.0 billion.

Target specific position.

Position Reporting to Regional Head SME Banking Group. Core Responsibilities

Managing and Maintaining existing Funded and Non Funded Assets Portfolio.

Marketing Islamic Products and Appraising potential clients on Financial and Non Financial criteria to enhance the Portfolio and managing these relationships from initial meeting to Disbursement and Post Disbursement Stage.

Ensuring Shariah Compliance for Islamic Banking and SBP’s Prudential Regulation Compliance.

Coordinating between Trade Finance, Credit Administration and Treasury to conduct transactions on daily basis.

Monitoring loan utilization and repayment.

INTERNSHIP

Pegasus Consultancy Sep’04

I worked in Pegasus Consultancy for organizing IDEAS 2004 event. I had to look after all the registrations for the event which included Organizers, Exhibitors and Functionaries. United Bank Limited – Consumer Banking Jun’04

I interned at UBL for six weeks in different Consumer Departments like MIS, Credit Cards, Auto Loans and Personal Loans. My internship project here was the pre launch compounding of Personal loans (Cash Line).

WorldTel – Internet Service Provider Jun’03

Internship at WorldTel was for six weeks where I had to work in the customer support department and provide support for customers calling in. United Bank Limited – CBG (Cash Management) Jun’02 Internship at Cash Management was for the duration of eight weeks and was my first exposure to the corporate world. I was assigned a task of having cash management clients accounts CMT tagged throughout the country. As my internship assignment I also made profitability reports for CMT.

TRAINING & WORKSHOPS

Product Development & Program based Lending Nov 28 – 29, 2022 A two day training session by SBP with collaboration with NIBAF

Collateral, Risk, Structuring and Legal Issues March 4 – 5, 13 2 days training session at HBL LND conducted by Amna and Khursheed

Up Your Service

2 day training by Mr. Ron Kaufman on achieving service superiority – a multimedia training program (distance learning)

March 3rd and 10th, 13

Default Driver Data Collection – Basel – II Exercise May 10, 12 One day training on basics of Basel – II and its data collection methods

Credit Policy & Presentation April 4 – 6, 11

3 day training program on credit policy and presentation techniques.

Complex Credits and Term Lending

4 day training session at HBL LND conducted by Mr. Tony Grier from DC Gardner

Oct 11-14, 10

Lending Skills

5 days workshop conducted by Ms Sitwat Farrukh at

Learning & Development Center - HBL – Karachi

July 19 – 23, 10

Remedial Management

2 days workshop conducted by Mr. Arshad Chughtai at Learning & Development Center - HBL – Karachi

May 04 - 05, 10

Negotiation Skills Aug 10, 06

1 day workshop by Ms. Arshi Ahmed Aziz of Institute of training and consultancy at Royal Rodale - Karachi Win Win Relationships July 07, 06

1 day workshop by Ms. Arshi Ahmed Aziz of Institute of training and consultancy at Royal Rodale - Karachi SME Financing Dec 19 - 24, 05

6 days workshop conducted by Mr. Syed Azhar Ali Naqvi at IBP – Karachi

OTHER TRAININGS March 2013 – May 2013

In-house Trainer “Master Trainer” for Trade Plus 100, a trade based program with basic trade skill for HBL employees being conducted at HBL Learning and

Development Center.

EDUCATION

College of Business Management – CBM 2009

MBA (Marketing Majors) – CGPA 3.04

College of Business Management - CBM 2004

BCS

Defense Authority Degree College for Men 2000

Intermediate

Foundation Public School – FPS 1998

Matric

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