Risk Management Business Development
Resume:
PROFESSIONAL SKILLS
WORK EXPERIENCE
************@*****.***
SYED MUHAMMAD ABBAS RIZVI
Karachi, Pakistan
Banking professional with 17 years of experience, including 11 years as a Branch Manager, specializing in credit risk management, business development, and branch operations. Proven track record of achieving deposit targets, driving portfolio growth, and ensuring compliance with regulatory frameworks. Adept at streamlining banking operations, leading high-performing teams, and fostering strong client relationships. Skilled in core banking systems, risk assessment, and consumer lending, with certifications in AML, banking operations, and branch management. A results-driven leader with exceptional communication and problem-solving abilities. Financial & Risk Analysis Tools
Microsoft Office Suite (Excel, Word,
PowerPoint)
Banking Operations & Compliance
Software
Deposit Mobilization & Fund Management
Core Banking Systems (Al Habib CBS)
Operational Efficiency & Branch Oversight
Cross-Selling & Revenue Growth
Team Leadership & Performance Enhancement
Process Improvement & Workflow Optimization
Strategic Decision-Making
Stakeholder Communication & Coordination
Problem-Solving & Crisis Management
1998–1999
Credit & Risk Management Specialist
Linkedin.com/in/Abbas-Rizvi
SUMMARY
Credit Risk Management
Portfolio Growth & Optimization
Business Development & Target Achievement
Retail & Consumer Lending
Regulatory Compliance & Risk Management
Financial Analysis & Reporting
Customer Relationship Management
Credit Incharge
Credit Risk Management: Evaluate and approve credit applications, ensuring risk mitigation while maintaining profitability. Portfolio Growth & Quality: Strategically expand the credit portfolio with a strong focus on high-quality lending and minimal delinquency.
Regulatory & Compliance Oversight: Ensure all credit operations adhere to internal policies and regulatory guidelines, mitigating potential compliance risks.
Operational Efficiency & Reporting: Streamline credit processes, enhance turnaround time, and generate insightful reports for senior management decision-making.
Gulberg Branch
September 12, 2024 – Present
EDUCATION
Bachelor of Commerce (B.Com)
Government Islamiyah Arts & Commerce College
Major Subjects: Financial Accounting, Cost Accounting, Business Statistics Business Analyst
System Development & ATP Integration in Core Banking: Import Approved Technical Parameters (ATPs) to support the development and enhancement of IT-driven core banking applications. Ensure seamless integration to improve system functionality, performance, and scalability in alignment with organizational objectives. Portfolio Growth & Quality: Strategically expand the credit portfolio with a strong focus on high-quality lending and minimal delinquency.
Regulatory & Compliance Oversight: Ensure all credit operations adhere to internal policies and regulatory guidelines, mitigating potential compliance risks.
Operational Efficiency & Reporting: Streamline credit processes, enhance turnaround time, and generate insightful reports for senior management decision-making.
IT (Deputation)
March 31, 2023 – August 31, 2023
CERTIFICATIONS & TRAINING
Anti-Money Laundering (AML) Program Certification
Computer-Based Training (CBT) Certifications in Banking Operations – Bank AL Habib Ltd. Branch Manager Certification Program – Institute of Bankers Pakistan (IBP) Tap to WhatsApp Tap to whatsApp
Branch Manager
Business Growth & Target Achievement: Consistently achieved deposit, advances, and profitability targets, securing appreciation from the Zonal Office.
Retail & Consumer Lending Success: Spearheaded successful disbursements, including Mera Pakistan Mera Ghar housing finance (PKR 5.00 million), staff house loans, and 25 auto finance cases. Operational & Compliance Excellence: Ensured smooth branch operations, adherence to banking regulations, and risk mitigation strategies.
Customer-Centric Relationship Management: Strengthened client engagement, enhanced service quality, and drove customer retention to boost branch performance.
4K Chowrangi Branch
May 1, 2018 – December 31, 2021
Resident Manager
Deposit Growth & Business Expansion: Successfully met and exceeded deposit targets by implementing strategic customer acquisition and retention initiatives.
Customer Experience Enhancement: Maintained high service standards, ensuring personalized banking solutions and fostering long-term client relationships.
Operational Oversight & Compliance: Ensured seamless branch operations while adhering to internal policies and regulatory requirements.
Team Leadership & Performance Optimization: Mentored and motivated staff to enhance productivity, improve service delivery, and achieve business goals.
Ayesha Manzil Branch
Branch Manager
Strategic Deposit Growth: Consistently met and exceeded deposit targets through targeted customer acquisition and retention strategies.
Business Development & Portfolio Expansion: Strengthened the branch’s financial position by driving new business opportunities and cross-selling banking products.
Regulatory Compliance & Risk Management: Ensured full compliance with banking regulations and internal policies while mitigating operational risks.
Team Leadership & Productivity Enhancement: Trained and motivated staff to optimize performance, improve service quality, and achieve business objectives.
Liaquatabad Branch
May 1, 2013 – July 31, 2016
August 1, 2016 – April 30, 2018
LANGUAGES
English (Fluent)
Urdu (Native)
Resident Manager
Business Growth & Deposit Mobilization: Achieved deposit targets through proactive customer engagement and strategic relationship management.
Customer-Centric Banking Solutions: Provided personalized financial solutions, ensuring high client satisfaction and long-term retention.
Operational Efficiency & Compliance: Maintained smooth branch operations while adhering to banking policies and regulatory frameworks.
Team Supervision & Performance Optimization: Led branch staff to enhance productivity, improve service standards, and meet key performance objectives.
Maskan Chowrangi Branch
April 1, 2012 – April 24, 2013
ACHIEVEMENTS
Effectively leveraged strong communication skills to resolve general banking operational matters at the branch level. Facilitated seamless coordination between the Area Office and Zonal Office to address system enhancements and staffing issues.
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