Kamran Fareed Khan
Karachi
Summary
Flourished in leadership roles, successfully managing fund-based portfolios exceeding PKR60 billion and trade business surpassing PKR150 billion. Demonstrated strong marketing expertise in Corporate and Commercial Banking, excelling in deposit mobilization through trade-based products, credit marketing, and consumer solutions. Gained versatile experience in Corporate/Commercial credit, including due diligence for SMEs and individuals, complemented by hands-on branch banking operations. Notably inducted high-profile clients throughout my career. Possess an optimal blend of expertise in conventional and Islamic banking products, enabling well-informed customer engagements and seamless problem resolution. Passionate about solving complex challenges, identifying growth opportunities, and empowering teams to achieve peak performance. Proven track record of leading high-performing teams in banking and marketing to exceed business objectives. Through a collaborative and results-driven approach, I have consistently fostered a culture of excellence, empowering teams to excel in meeting targets, developing innovative financial solutions, and cultivating long-term client relationships.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Head of Commercial Assets –South
MCB Islamic Bank Ltd
07.2018 - Current
- This role requires establishing and building a complete setup for financing to the Corporate, Commercial & Middle Market Segment in the MCB Islamic South region:
- Manage overall marketing and business development activities of the region, including advances, trade, cash management, and business account relationships
- Responsible for the effective management of corporate relationships across various industrial segments (existing and new) to achieve overall asset and revenue targets by developing and implementing growth strategies through fee- and fund-based products aligned with the corporate banking strategy
- Ensure high-quality service to clients by responding to their needs in a timely manner and offering banking solutions tailored to their financial requirements
- Maintain portfolio quality through risk-reduction and revenue-maximization strategies, along with ongoing performance monitoring of all accounts
- Ensure compliance with all internal and external regulations and guidelines in the execution of the unit’s responsibilities
- Evaluate the performance of team members, provide constructive feedback, identify training needs, and help develop their capabilities to achieve team goals through an effective team structure and work allocation
Unit Head – Corporate South (Senior Chief Manager)
Bank Al-Habib Limited Islamic
07.2017 - 07.2018
- Managing advances and trade business in the region, overseeing a portfolio of PKR60 billion and trade business of PKR150 billion
- Personally marketed and secured approvals for trade-based and advance limits
- Leading marketing and business development activities, including managing business account relationships and corporate relationships across various industrial segments to achieve asset and revenue targets
- Maintaining portfolio quality through risk-reduction strategies, revenue maximization, and performance monitoring of accounts
- Evaluating credit applications, including financial analysis, security documentation, and account reviews
- Ensuring compliance with internal and external regulations and guidelines
- Monitoring Relationship Managers’ performance and ensuring targets are achieved while maintaining a clean portfolio
- Liaising with customers to assess operational and credit requirements and providing actionable feedback
- Coordinating with auditors and addressing queries effectively
- Providing team performance evaluations, feedback, and development through structured task allocation
Department Head –Financing Karachi MCB Islamic
MCB Islamic Bank Ltd (Transferred from MCB Bank Ltd)
05.2016 - 07.2017
- Looking after region wise affairs of advances and trade business and managing a portfolio in excess of PKR17 Billion and trade
- Responsible for effective management of corporate relationship of various industrial segments (existing as well as new) to achieve overall assets and revenue targets projected for those names by developing and implementing the growth strategy (business development) through fee & fund base products in line with the overall corporate banking strategy
- Ensure high quality service to the clients by responding to their need in timely fashion, and offering banking solution to cater to their financial requirements
- To ensure that quality of portfolio is maintained through risk reduction and revenue maximizing strategies along with ongoing performance monitoring of all accounts
- Ensure high quality service to the clients by responding to their need in timely fashion, and offering banking solution to cater to their financial requirements
- To ensure that quality of portfolio is maintained through risk reduction and revenue maximizing strategies along with ongoing performance monitoring of all accounts
- To ensure that all jobs done by the unit are within the internal & external regulations and guidelines
- To keep oneself updated with market and relationship related knowledge to identify opportunities and dissemination of the same up and down the ladder
- To evaluate performance of the team members and provide feedback, identify their training needs and help develop their capabilities to achieve team’s goals through effective team structure, and work allocation
Unit Head –South MCB Islamic
MCB Bank Limited
03.2014 - 05.2016
- Looking after region wise affairs of advances and trade business and managing a portfolio in excess of PKR12 Billion and trade business in excess of PKR30 Billion
- Personally marketed and got approvals for trade based and advances limits and was awarded Best Performer award
- Managing overall Marketing and Business Development activities of the region business account relationships
- Personal involvement in credit initiation and customer maintenance
- Monitor team of Relationship Managers towards achievement of monthly/ quarterly and yearly business targets
- Ensure the branch meets and exceeds trade and advances targets while ensuring a clean portfolio
- Ensure adherence to bank and state bank regulations
- Evaluate credit applications including financial and credit analysis of intending borrowers, perfection of security documentation and regular account reviews
- Co-ordination with internal/SBP/external auditors and satisfaction of their queries
- Liaison with the customers to assess their day-to-day operational and credit requirements and feedback
Unit Head –Credit Factory
MCB Bank Limited
12.2009 - 03.2014
- Looking after region wise affairs of advances and trade business and managing a portfolio in excess of PKR12 Billion and trade business in excess of PKR30 Billion
- Personally marketed and got approvals for trade based and advances limits and was awarded Best Performer award
- Managing overall Marketing and Business Development activities of the region business account relationships
- Personal involvement in credit initiation and customer maintenance
- Monitor team of Relationship Managers towards achievement of monthly/ quarterly and yearly business targets
- Ensure the branch meets and exceeds trade and advances targets while ensuring a clean portfolio
- Ensure adherence to bank and state bank regulations
- Evaluate credit applications including financial and credit analysis of intending borrowers, perfection of security documentation and regular account reviews
- Co-ordination with internal/SBP/external auditors and satisfaction of their queries
- Liaison with the customers to assess their day-to-day operational and credit requirements and feedback
Business Manager-Karachi
UBL Ameen Islamic Banking
11.2008 - 11.2009
- Managing the main Islamic banking branch of UBL Ameen, including9 windows in Karachi as well as consumer banking products
- Managing overall Marketing and Business Development activities of the region including consumer and business account relationships
- Personal involvement in the initial KYC of customers, account opening as well as routine KYC
- Monitor team of Relationship Managers and Liabilities personnel towards achievement of monthly/ quarterly and yearly business targets
- Ensure the branch meets and exceeds established sales and revenue goals while keeping expenses minimized
- Ensure adherence to bank and state bank regulations
- Conduct regular service level analysis identifying improvement needs and initiate necessary steps to address needs
- Monitor customer transactions identifying opportunities to cross sell and initiate steps to expand existing relationships
- Coach and mentor participation of branch staff in skill gap analysis to determine their training needs
- Optimize staffing within the branch to meet or exceed service levels and continuously improving productivity
Relationship Manager
UBL Ameen Islamic Banking
08.2008 - 10.2008
- Worked in Corporate Department as Relationship Manager
- Managing the main Islamic banking branch of UBL Ameen, including9 windows in Karachi as well as consumer banking products
- Managing overall Marketing and Business Development activities of the region including consumer and business account relationships
- Personal involvement in the initial KYC of customers, account opening as well as routine KYC
- Monitor team of Relationship Managers and Liabilities personnel towards achievement of monthly/ quarterly and yearly business targets
- Ensure the branch meets and exceeds established sales and revenue goals while keeping expenses minimized
- Ensure adherence to bank and state bank regulations
- Conduct regular service level analysis identifying improvement needs and initiate necessary steps to address needs
- Monitor customer transactions identifying opportunities to cross sell and initiate steps to expand existing relationships
- Coach and mentor participation of branch staff in skill gap analysis to determine their training needs
- Optimize staffing within the branch to meet or exceed service levels and continuously improving productivity
Associate
Standard Chartered Bank Pakistan Ltd, Corporate, Main Branch
07.2007 - 07.2008
- Worked in Credit Risk Control, Corporate as Associate
- Pre-disbursement and Post-disbursement review of credit documentation
- Preparation of Security and Contractual Documents
- Efficient credit portfolio management
- Evaluate credit approval
- Looking Pan Pakistan Foreign Private Loan
- Pan Pakistan drawing power of shares, corporate guarantee and Liquid Securities
- Evaluate the credit approval for NOC and issuance the same
- Pan Pakistan Pledge of Cash Finance
- Continuous Stock Inspection
- Ensure compliance of PRs
- Co-ordination with internal/SBP/external auditors and satisfaction of their queries
- Ensure timely submission of monthly/quarterly credit reports / returns to SBP/Group
Manager Credit
MCB Korangi Industrial Area Branch -1271
10.2004 - 07.2007
- Worked in Credit Department as Manager Credit
- Efficient credit portfolio management
- Liaison with the customers to assess their day-to-day operational and credit requirements and feedback
- Soliciting advances for the branch
- Evaluate credit applications
- Financial and credit analysis of intending borrowers
- Initiate credit proposals for approvals subsequent to satisfactory due diligence
- Security documentation management and compliance
- Persuading NTBs corporate customers
- Ensure compliance of Prudential Regulations
- Co-ordination with internal/SBP/external auditors and satisfaction of their queries
- Ensure timely submission of monthly/ quarterly credit reports / returns to Circle/ Principal Office
- Three months working experience in General Banking
Education
Master in Economics -
University of Karachi
01.2011
B.Com - undefined
University of Karachi
01.2002
Skills
- Teamwork and collaboration
- Problem-solving
- Time management
- Flexible and adaptable
- Problem resolution
- Decision-making
- Critical thinking
Training
- “Risk Management for Islamic Banks” “One day course at IBP.
- “Credit & Risk Management” One (01) week workshop by MCB Staff College.
- “Credit Proposal “Three Days workshop at MCB Staff Collage.
- “Money Laundering in Pakistan” A Seminar conducted by MCB
- “Analysis Of Financial Statements “Four days work shop at IBP.
- “Commercial Leasing” one day workshop at MCB by leasing expert Mr.HeriLal”.
- “Working Capital Requirement” two days course at IBP.
- “Stress & Time Management “one day work shop at MCB Staff Collage.
- “Islamic Banking” Two Days Workshops Conduct by SCBPL.
- “Fundamentals of Islamic Banking “Three Days Workshop conduct by SCBPL.
- “The7Habits of Highly Effective People “by Franklin Covey.
Accomplishments
- Awarded "Spot Award of the Month" on multiple occasions for exceptional performance.
- Consistently rated "Exceptional" (5/5) for performance throughout most of the career.
- Recognized as "Best Performer of the Year" in2010 for outstanding contributions to business goals.
- Recipient of the "Team of the Quarter Award" in2015 for excellence in team performance and collaboration.
- Honored with "Employee of the Month" for consistently exceeding sales and service targets.
- Recognized for achieving the highest customer satisfaction scores within the region.
- Awarded "Top Sales Achiever" for exceeding targets in trade and advances business.
- Acknowledged for playing a key role in expanding the client base and securing major business deals.
- Contributed significantly to the successful implementation of key strategic initiatives in the organization.
- Successfully led cross-functional teams to achieve significant milestones and operational improvements.
- Frequently commended for exceptional customer relationship management and retention efforts.
References
Will be furnished on demand.
Certification
- “Certification in AAOIFI Sharia Standards (CASS)” National Institute of Banking and Finance (NIBAF-SBP)
- “Certified Islamic Banker” National Institute of Banking and Finance (NIBAF-SBP)
- Associate of Institute of Bankers, Pakistan (AIBP). (Institute of Bankers, Pakistan)-In Progress.
- Junior Associate of Institute of Bankers, Pakistan (JAIBP). (Institute of Bankers, Pakistan)
- “Certified Islamic Banker” Professional Institute of Excellence
- Credit Skill Assessment –CSA Omega Performance Corporation, USA –Nine Cleared and enrolled in MCB Bank Ltd.
- Certified Management Accountant Foundation. (Institute Of Cost and Management Accountant)-ICMAP.
Timeline
Head of Commercial Assets –South
MCB Islamic Bank Ltd
07.2018 - Current
Unit Head – Corporate South (Senior Chief Manager)
Bank Al-Habib Limited Islamic
07.2017 - 07.2018
Department Head –Financing Karachi MCB Islamic
MCB Islamic Bank Ltd (Transferred from MCB Bank Ltd)
05.2016 - 07.2017
Unit Head –South MCB Islamic
MCB Bank Limited
03.2014 - 05.2016
Unit Head –Credit Factory
MCB Bank Limited
12.2009 - 03.2014
Business Manager-Karachi
UBL Ameen Islamic Banking
11.2008 - 11.2009
Relationship Manager
UBL Ameen Islamic Banking
08.2008 - 10.2008
Associate
Standard Chartered Bank Pakistan Ltd, Corporate, Main Branch
07.2007 - 07.2008
Manager Credit
MCB Korangi Industrial Area Branch -1271
10.2004 - 07.2007
B.Com - undefined
University of Karachi
- “Certification in AAOIFI Sharia Standards (CASS)” National Institute of Banking and Finance (NIBAF-SBP)
- “Certified Islamic Banker” National Institute of Banking and Finance (NIBAF-SBP)
- Associate of Institute of Bankers, Pakistan (AIBP). (Institute of Bankers, Pakistan)-In Progress.
- Junior Associate of Institute of Bankers, Pakistan (JAIBP). (Institute of Bankers, Pakistan)
- “Certified Islamic Banker” Professional Institute of Excellence
- Credit Skill Assessment –CSA Omega Performance Corporation, USA –Nine Cleared and enrolled in MCB Bank Ltd.
- Certified Management Accountant Foundation. (Institute Of Cost and Management Accountant)-ICMAP.
Master in Economics -
University of Karachi
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