Faisal Malik
Credit Relationship Manager
Lahore,Punjab
Summary
Accomplished Relationship Manager with a proven track record at Meezan Bank, specializing in financial advisory and client relationship management. Excelled in expanding the supply chain finance portfolio by leveraging skills in business development and credit risk assessment. Demonstrated success in driving revenue growth and enhancing operational efficiency, achieving a significant increase in client satisfaction and portfolio performance.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Relationship Manager
Meezan bank
Lahore
10.2023 - Current
- Develop and maintain strong relationships with corporate clients and their suppliers/vendors, acting as the primary point of contact for supply chain finance (SCF) needs.
- Identify and onboard new business opportunities within the supply chain ecosystem, expanding the SCF portfolio, and driving revenue growth.
- Promote Meezan Bank's SCF products (invoice discounting, factoring, distributor finance, supplier finance) to potential clients, enhancing awareness and adoption.
- Structure and propose customized financing solutions, collaborating with internal teams (credit, risk, operations) to meet client requirements, and optimize financial outcomes.
- Conduct preliminary credit assessments of corporate clients and supply chain partners, ensuring sound risk management practices, and financial viability.
- Oversee the execution of SCF transactions, ensuring accuracy, compliance with timelines, and operational efficiency throughout the process.
- Monitor portfolio performance and address operational issues, coordinating with internal stakeholders to streamline service delivery and ensure client satisfaction.
- Work closely with the credit risk department to analyse financial statements, repayment capacity, and exposure, ensuring robust risk management.
- Ensure compliance with Meezan Bank's policies, Shariah guidelines, and regulatory standards in all SCF transactions.
- Prepare and submit regular reports on client performance, portfolio health, and market trends to senior management.
- Stay updated on market trends, competitor products, and supply chain dynamics, providing actionable insights for product development and process improvements.
Account Manager Credit & Marketing
OLP Financial Services Pakistan Limited Previously (ORIX LEASING)
Lahore
08.2021 - 04.2023
- Manage and grow a portfolio of corporate clients, providing tailored leasing solutions to meet their asset financing needs.
- Build and maintain long-term client relationships, ensuring high levels of customer satisfaction, and retention.
- Conduct financial analysis and risk assessments to evaluate client creditworthiness, and structure leasing agreements.
- Negotiate lease terms, payment structures, and conditions, ensuring alignment with client requirements and company policies.
- Collaborate with internal teams (legal, risk, credit, and operations) to streamline leasing processes and resolve client issues.
- Drive business development by identifying new opportunities, prospecting, and expanding OLP leasing services within the corporate sector.
- Cross-sell additional OLP financial products (working capital financing, project financing) to meet client needs.
- Monitor lease portfolios to ensure timely payments, reduce risk, and manage the renewal process effectively.
- Prepare and present performance reports to senior management, focusing on sales growth, client feedback, and risk exposure.
- Ensure compliance with company policies, legal regulations, and industry standards in all leasing transactions.
Relationship Manager
NBP FUNDS MANAGEMENT
Lahore
10.2019 - 07.2021
- Build and maintain long-term relationships with high-net-worth individuals (HNWIs), institutional investors, and corporate clients, providing tailored investment solutions.
- Promote and sell NBP Funds' mutual funds, pension plans, and other investment products, helping clients achieve their financial goals.
- Conduct in-depth client needs analysis, and provide customized investment strategies based on risk tolerance, financial objectives, and market conditions.
- Manage and grow a portfolio of clients, ensuring continuous growth in assets under management (AUM) and meeting sales targets.
- Provide clients with timely updates on portfolio performance, market trends, and investment opportunities to ensure informed decision-making.
- Cross-sell and up-sell additional investment products, increasing client engagement and maximising revenue generation.
- Work closely with fund managers and research teams to recommend optimal investment strategies based on current market conditions.
- Conduct regular portfolio reviews, assessing risk and return, and recommending adjustments to optimise performance and align with client objectives.
- Prepare and present comprehensive reports on investment performance, portfolio health, and market developments to clients and senior management.
- Ensure compliance with regulatory standards, internal policies, and KYC (Know Your Customer) requirements in all client interactions.
- Stay updated on market trends, competitor offerings, and financial regulations to provide clients with relevant insights and recommendations.
Education
Master of Commerce - Banking and Finance
University of Central Punjab
Lahore01.2018
Bachelor of Commerce - Accounting and Finance
University of Punjab
Lahore01.2015
FSC -
Forman Christian College
Lahore01.2012
Matriculation -
Cathedral High School
Lahore01.2010
Skills
- Client Relationship Management
- Financial advisory
- Business Development
- Sales and Cross-Selling
- Investment and Financing Solutions
- Credit Risk Assessment
- Portfolio management
- Regulatory Compliance
- Negotiation and Deal Structuring
- Market research and analysis
- Operational efficiency
- Problem-solving
Affiliations
- Travelling
- Soccer
Certification
- AI Enabled Data Analytics for Accountants and Auditors from one of the top ranking university of Pakistan i-e LUMS.
- Participated in the workshop on Islamic Banking Assets Products from Meezan bank training centre.
- Certification for orientation Learning program for new joiners and AEBP staff
- Certificate for completing the international Kangroo Mathematics contest 2011
- Certification for the complete corporate grooming from HBL asset management
- Certification of web designing on HTML from Auspak International Educational System
Languages
English
First Language
Urdu
Proficient (C2)
C2
Punjabi
Proficient (C2)
C2
References
References available upon request.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Relationship Manager
Meezan bank
10.2023 - Current
Account Manager Credit & Marketing
OLP Financial Services Pakistan Limited Previously (ORIX LEASING)
08.2021 - 04.2023
Relationship Manager
NBP FUNDS MANAGEMENT
10.2019 - 07.2021
Master of Commerce - Banking and Finance
University of Central Punjab
Bachelor of Commerce - Accounting and Finance
University of Punjab
FSC -
Forman Christian College
Matriculation -
Cathedral High School
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