Muhammad Asif

Performance-driven Vice President with 20 years of experience aligning systems with business requirements, policies, and regulatory requirements. Passionate about applying excellent organization and communication skills to manage and lead teams. Results-oriented individual well-versed in interfacing and consulting on business processes to drive results based on sound overall business judgment.

• Supervised team of 16 staff members.
• Achieved Social Loans Targets given by Central Bank with accuracy and efficiency.
• Developed New Business Areas by Trained Marketing Staff, with desired Portfolio Management.

Having an extensive experience in Banking and Non-banking Financial Institutions, I am highly skilled in Credit & Financial Analysis, Financial & Business Report Writing, Team Building & Portfolio Management and Risk Management. Selection of the clients have proven right decisions by me and less than 2% remained Non Performing loans. Credit extension is always linked with high risks, so I have always applied Risk Mitigation Techniques, according to the customers' business nature and cash flows.

With the prudent decisions, I have earned prestige in ORIX Leasing and JS Bank Ltd. For new areas and new customers, I am accompanied with the Marketing Staff to have right decisions about credit limits. My recommendations have remarkable consideration for the Top Management.

From my Childhood, I am fond of Calligraphy in Urdu, English and Arabic.

In snooker, I am not professional, but won a couple of tournaments at local level.