M. Habibullah Khilji
Zonal Manager
Hyderabad,SD
Summary
Results-oriented professional prepared for strategic leadership roles in regional operations. Extensive experience in managing diverse teams and optimizing operational processes to drive growth. Known for strong team collaboration and adaptability, ensuring consistent performance and goal attainment. Key skills include strategic planning and stakeholder engagement.
Overview
24
24
years of professional experience
2001
2001
years of post-secondary education
5
5
Languages
Work History
Zonal Manager (ZM)
Safco Microfinance Company - SMC
Hyderabad, Sindh
04.2018 - Current
- Company Overview: SMC is highly reputed microfinance Institution working in 17 districts of Sindh having GLP of Rs:4.5 Billion and more than 131,000 active clients. Website: [not provided]
- I look after the senior most regions of SMC with active clients of more than 58,000 and GLP of Rs:2 Billion of 31 branches; handling a team of over 250 staff.
- The role requires but not limited to business plan & strategy, portfolio management, product development and research, program expansion.
- Special responsibility of handling technical assistance project for developing climate resilience products for SMCL clients.
- SMC is highly reputed microfinance Institution working in 17 districts of Sindh having GLP of Rs:4.5 Billion and more than 131,000 active clients. Website: [not provided]
- Managed a high-performing team of sales professionals, providing coaching and performance feedback for continuous improvement.
- Established a customer-centric culture within the zone, leading to improved customer satisfaction ratings and repeat business.
- Coordinated with human resources to recruit top talent, ensuring that the zone''s workforce remains competitive and well-equipped for business challenges.
- Optimized resource allocation across the zone by monitoring workload distribution among staff members and adjusting assignments as needed.
- Negotiated favorable contracts with suppliers, ensuring competitive pricing and efficient delivery schedules for the zone.
- Increased zonal sales revenue by implementing targeted marketing strategies and cultivating strong relationships with key clients.
- Conducted market research to identify new business opportunities, resulting in expanded client base and increased sales revenue.
Business Development Manager
Marsel Textile Export & Import Co.
08.2015 - 03.2018
- Company Overview: A Tekstil services Provider Company. Website: [not provided]
- Look after an import portfolio of 15 million USD per year.
- Responsible for imports from Asia (India, Indonesia, Nepal, Pakistan & Vietnam, etc).
- A Tekstil services Provider Company. Website: [not provided]
Management Executive-Credit and Enterprise Development (CED)
Pakistan Poverty Alleviation Fund
07.2008 - 11.2009
- Company Overview: PPAF is an apex institution of the country responsible for developing retail capacity and outreach of private sector civil society organizations, Microfinance Institutions and Microfinance Banks engaged in the challenge of poverty reduction. Sponsored by the government of Pakistan and funded by bilateral and multilateral donors. Website: [not provided]
- Managing healthy portfolio of USD 3.36 million of Partner Organizations (POs).
- Managing outreach of assigned Partner Organizations in 13 Districts and over 80 UCs.
- Appraisals (field and desk) of potential and existing Partner Organization (POs).
- Preparing appraisal reports on credit proposals for submission to Credit Committee.
- Monitoring cash-flows and operate limits accordingly for efficient financing.
- Pre and Post disbursement arrangements for Partner Organizations.
- Verifying the financial statements, implementation plans & disbursement & recovery schedules of POs (as per agreement) before recommending the next disbursement.
- Facilitating Partner Organizations (POs) in building their capacity for credit.
- Reviewing and Preparing overdue, credit watch and other progress and periodical reports.
- Undertaking Quarterly review visits to monitor Partner Organizations (POs) for ensuring consistency with Operations Manual and other PPAF policies.
- Assisting the unit in all aspects of the appraisal, monitoring, ranking, sanctioning, contracting, disbursement and performance process regarding potential and financed partner organizations.
- Performance evaluation of POs in addition to long term strategic planning.
- Preparing LFA and GANTT chart annual and quarter work plan and annual budget.
- PPAF is an apex institution of the country responsible for developing retail capacity and outreach of private sector civil society organizations, Microfinance Institutions and Microfinance Banks engaged in the challenge of poverty reduction. Sponsored by the government of Pakistan and funded by bilateral and multilateral donors. Website: [not provided]
Team Leader
ORIX Leasing Pakistan Limited
01.2007 - 07.2008
- Company Overview: [not provided]
- Responsible for overall activities of Micro Credit and Micro Leasing within North Karachi area.
- Responsible for whole branch operations, timely disbursement, recovery, correspondence and the portfolio quality.
- Responsible for taking initiative and identify activities, concepts and suggestions for further improvement.
- To monitor proper implementation of the program activities.
- Proper and deserving persons are served with the credit facility and enterprise development.
- Evaluate performance of subordinate staff and recommendation for reward and reprimand.
- Also assess trainings for their capacity building.
- Identifying new areas and carrying out market research to refine existing products or to develop new products.
- Managed portfolio of Rs:31 million with more than 2000 clients.
- Also managed portfolio of micro leasing in North Karachi area.
- [not provided]
Area Manager
SAFWCO
12.2005 - 12.2006
- Company Overview: [not provided]
- Responsible for overall activities of Credit & Enterprise Development Sector within 6 Talukas of district Sanghar.
- Looked after six branches namely Shahadadpur Rural, Shahadadpur Urban, Tando Adam, Sanghar, Khipro and Sinjhoro.
- Managed team of about 72 personnel.
- This sector provides credit through group lending and village banking in community organization formed by core sector that was Social Development sector (SDS).
- Credit facility rendered to these village development organization after assessing their need.
- [not provided]
District Manager, Karachi
National Rural Support Program
06.2002 - 09.2005
- Company Overview: Worked in UPAP/NRSP (a micro-credit program). Website: [not provided]
- Overall responsible for district operations.
- Identifying target areas and to expand program within that area.
- Financial planning both operational and credit related.
- Human Resource Management.
- Achieving Financial Solvency.
- Portfolio management.
- Responsible for program expansion.
- Preparing annual budget for the district and checking monthly budget.
- Worked in UPAP/NRSP (a micro-credit program). Website: [not provided]
Enumerator
PIDE Islamabad
01.2002 - 03.2002
- Company Overview: [not provided]
- Worked on the project of Micro Impact of Macro Adjustment Policies (MIMAP) at District Hyderabad, Sanghar, Nawabshah, KhairpurMirs, Sukkur, Jacobabad, Shikarpur, Larkana and Osta Moh Khan (Balochistan).
- [not provided]
Enumerator
PIDE Islamabad
09.2001 - 01.2002
- Company Overview: [not provided]
- Worked in a Poverty Assessment Survey conducted in collaboration with World Bank at District Badin, Mirpurkhas, Nawabshah and Larkana.
- [not provided]
Enumerator
PIDE Islamabad
07.2001 - 08.2001
- Company Overview: [not provided]
- Worked for the Survey of Poor Communities for the Preparation of National Human Development Report for Pakistan.
- [not provided]
Education
M.Sc - Economics
International Islamic University Islamabad
Islamabad, ISSkills
Researches Trainings Exposure Visits
- Training on 'ADG EduFinance - Risk & Marketing For Management'
- 3-Day 'ToT on EduFinance' conducted by Opportunity International in Uganda, Africa
- 2-Day Training on 'Stress Management, Motivation & Persuasion'
- Written a term paper on 'External Debt Crises in Developing Countries-with Special reference to Pakistan & Turkey.'
- Researched on 'Foreign Direct Investment in Development Countries- Comparative Analysis Between China & Turkey.'
- Two days training on 'Stress Management' at Safco Hyderabad
- Two days training on 'Gender Sensitization' conducted by PPAF
- Workshop on 'Developing poverty scorecard'
- Training on 'Micro Leasing'
- Attended training on 'Portfolio Management & Setting Sustainable Interest Rate' conducted by PPAF
- Attended Training on 'Inter-personal skill & Communication'
- Attended Training on 'Market Research For MFIs' conducted by Sindh Microfinance Network
- Attended six days training on 'Product Development For MFIs' conducted by Sindh Microfinance Network
- Attended three days on 'Art of Report Writing & Case Studies' at Hyderabad
- Conducted training of 'Loan portfolio Management & Art of Client Appraisal' as 'Resource Person'
- Attended three days training in Hyderabad on 'Loan portfolio Management & Art of Client Appraisal'
- Attended three day workshop in Islamabad on 'Business Planning & Financial Modeling' by Chuck Waterfield conducted by Pakistan Microfinance network
- Attended 'Microfinance Management Training' in Bangladesh
- Visited Bangladesh for 15 days exposure visit to 'ASA' & 'BURO-Tangail'
- Made exposure visits to Kashf, DAMEN and UPAP in 2006
- Attended lecture on 'Microfinance' by Arnaud Ventura, Managing Director, Planet Finance-Paris
Personal Information
- CNIC Number: 43304-6553592-6
- Date of Birth: 03/01/76
- Marital Status: Married
Timeline
Zonal Manager (ZM)
Safco Microfinance Company - SMC
04.2018 - Current
Business Development Manager
Marsel Textile Export & Import Co.
08.2015 - 03.2018
Management Executive-Credit and Enterprise Development (CED)
Pakistan Poverty Alleviation Fund
07.2008 - 11.2009
Team Leader
ORIX Leasing Pakistan Limited
01.2007 - 07.2008
Area Manager
SAFWCO
12.2005 - 12.2006
District Manager, Karachi
National Rural Support Program
06.2002 - 09.2005
Enumerator
PIDE Islamabad
01.2002 - 03.2002
Enumerator
PIDE Islamabad
09.2001 - 01.2002
Enumerator
PIDE Islamabad
07.2001 - 08.2001
M.Sc - Economics
International Islamic University Islamabad
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