MUHAMMAD IMRAN ASLAM
Summary
Details-focused and results oriented progressive Bank Professional with demonstrated history of working in the banking industry for last 20 years.
Overview
21
21
years of professional experience
Work history
Group Head Business Planning & New Initiatives
Allied Bank Ltd
05.2021 - Current
- Review of Branch Network Expansion Proposals & Business Development Strategies for CEO in close coordination and consultation with Business Groups and Support Functions.
- Review and evaluation of Business Development Campaigns for CEO to ensure optimal return on investment.
- Proactive handling & monitoring of Potential Loss-Making Branches, Bottom 50 Branches and recommend Rationalization Plan to CEO on continuous basis.
- Recommend business volume and event based Customer Engagement Initiatives to strengthen, deepen the relationship and increase the revenue opportunities.
- Support to front-line sales teams with well-coordinated administrative operations.
- Monitoring & analysis of team budgets and forecasts to deliver against annual targets.
- Review and feedback to CEO on policies & procedures, credit proposals, audit & compliance reports.
- Communication and follow up of Business & Support Functions at various levels to drive action and timely completion of BoD, and CEO's initiatives & instructions.
Divisional Head Commercial, SME & Consumer Risk
Allied Bank Ltd
01.2018 - 04.2021
- Initial / annual / periodical Counter Party Credit Risk Assessment of existing & potential clients and recommendations for Credit Committee's approval.
- Decision making and customer profiling including risk ratings, management assessment, match of the credit product types, tenors and loan amounts to the purpose of the loan, collateral types and evaluations, special conditions, covenants, financial analysis.
- Continuous assurance of health and appropriateness of the credit portfolio. Conducting Early Warning and initiating mitigation measures to safeguard against infectious profile.
- Assets Product development & reviews in collaboration with various FinTechs for SMEs to enable cash flow-based lending through digital lending platform.
- Full responsibility and leadership of credit approval process for timely decisions on assigned portfolio/pipeline as per TAT agreed with other stakeholders.
- Follow the daily market updates and news, internal reports and relate them with assigned credit portfolio/pipeline for analysis.
- Devising Remedial Strategies for existing and potential distressed relationships and monitoring thereof to keep them current on their liabilities/loans.
- Yield optimization of commercial credit portfolio through cross selling opportunities.
- Spearheaded turnaround strategies for financially troubled customers.
- Performed periodic reviews to maintain compliance with internal and regulator's policies.
- Coached & mentored team of 16 credit analysts to achieve KPIs and helped strengthening their credit skills.
Business Head-Islamic Banking Group
Allied Bank Ltd
01.2017 - 12.2017
- Organized financial and operational data to help with yearly budgeting and planning.
- Served as a resource in all efforts for Assets and Liability growth through 114 fully fledged Islamic Branches along with Islamic Windows Operations in Conventional Branches spread over across Pakistan.
- Turn-around of Loss-Making Branches through Business Campaigns, Reduced Cost of Doing Business, Transactional Banking and subsequent rigorous Follow-ups.
- Develop Branch Expansion and Merger/Rationalization Plans on rolling basis to keep the Islamic Banking Unit(s) viable and profitable.
- Revamping of Branch Key Performance Indicators for robust and sustainable business growth.
- Risk Review of Consumer/SME/Commercial Credit Proposals for Chief Islamic Banking before recommending to Risk Management Group.
- Led and managed administrative staff to maintain smooth daily operations.
Unit Head (SME Risk)-Risk Management Group
Allied Bank Ltd
10.2014 - 12.2016
- Initial / annual / periodical Counter Party Credit Risk Assessment and Approval of existing & potential clients as per designated loan approval mandate up to PKR 150 Million.
- Decision making and customer profiling including risk ratings, management assessment, match of the credit product types, tenors and loan amounts to the purpose of the loan, collateral types and evaluations, special conditions, covenants, financial analysis.
- Continuous assurance of health and appropriateness of the credit portfolio. Conducting Early Warning and initiating mitigation measures to safeguard against infectious profile.
- Full responsibility and leadership of credit approval process for timely decisions on assigned portfolio/pipeline as per TAT agreed with other stakeholders.
- Follow the daily market updates and news, internal reports and relate them with assigned credit portfolio/pipeline for analysis.
- Review and Feedback on bank's Credit Manuals, Policies/Procedures and Structured Lending Products.
- Devising Remedial Strategies for existing and potential distressed relationships and monitoring thereof to keep them current on their liabilities/loans.
- Yield optimization of commercial credit portfolio through cross selling opportunities.
- Spearheaded turnaround strategies for financially troubled customers.
- Performed periodic reviews to maintain compliance with internal and regulator's policies.
- Coached & mentored team of 8 credit analysts to achieve KPIs and helped strengthening their credit skills.
Manager Regional Commercial Risk
Allied Bank Ltd
08.2010 - 09.2014
- Initial / annual / periodical Counter Party Credit Risk Assessment and Approval of existing & potential clients as per designated loan approval mandate up to PKR 150 Million.
- Decision making and customer profiling including risk ratings, management assessment, match of the credit product types, tenors and loan amounts to the purpose of the loan, collateral types and evaluations, special conditions, covenants, financial analysis.
- Continuous assurance of health and appropriateness of the credit portfolio. Conducting Early Warning and initiating mitigation measures to safeguard against infectious profile.
- Full responsibility and leadership of credit approval process for timely decisions on assigned portfolio/pipeline as per TAT agreed with other stakeholders.
- Follow the daily market updates and news, internal reports and relate them with assigned credit portfolio/pipeline for analysis.
- Review and Feedback on bank's Credit Manuals, Policies/Procedures and Structured Lending Products.
- Devising Remedial Strategies for existing and potential distressed relationships and monitoring thereof to keep them current on their liabilities/loans.
- Yield optimization of commercial credit portfolio through cross selling opportunities.
- Spearheaded turnaround strategies for financially troubled customers.
- Performed periodic reviews to maintain compliance with internal and regulator's policies.
- Coached & mentored team of 8 credit analysts to achieve KPIs and helped strengthening their credit skills.
Team Leader-Commercial & Retail Risk
Allied Bank Ltd
01.2009 - 07.2010
- Initial / annual / periodical Counter Party Credit Risk Assessment of existing & potential clients.
- Decision making and customer profiling including risk ratings, management assessment, match of the credit product types, tenors and loan amounts to the purpose of the loan, collateral types and evaluations, special conditions, covenants, financial analysis.
- Continuous assurance of health and appropriateness of the credit portfolio. Conducting Early Warning and initiating mitigation measures to safeguard against infectious profile.
- Full responsibility and leadership of credit approval process for timely decisions on assigned portfolio/pipeline as per TAT agreed with other stakeholders.
- Follow the daily market updates and news, internal reports and relate them with assigned credit portfolio/pipeline for analysis.
- Review and Feedback on bank's Credit Manuals, Policies/Procedures and Structured Lending Products.
- Devising Remedial Strategies for existing and potential distressed relationships and monitoring thereof to keep them current on their liabilities/loans.
- Yield optimization of commercial credit portfolio through cross selling opportunities.
- Spearheaded turnaround strategies for financially troubled customers.
- Performed periodic reviews to maintain compliance with internal and regulator's policies.
- Coached & mentored team of 8 credit analysts to achieve KPIs and helped strengthening their credit skills.
Team Leader-Credit Administration
NIB Bank Ltd
09.2008 - 12.2008
- Developed guidelines and procedures to achieve timely availability of credit lines for customers.
- Assessed customer compliance with approval terms and conditions and allowed disbursements/loan draw downs.
- Negotiated terms and conditions, payment plans and settlements with Business/Sales Teams for optimal guarding of the bank's interest.
- Oversaw monitoring activity on customers about their overdue payments/documents/delinquencies by phone, letter and email.
- Ensured to keep the customers informed on up-to-date credit terms and conditions / regulatory compliance and changes.
- Minimized risk by proactively advising management of active payment issues.
- Conducted credit checks and monitored credit alerts.
- Identified and devise remedial measures for most pressing client debt cases to pursue.
In-charge Credit Administration
National Bank of Pakistan
07.2008 - 09.2008
- Developed guidelines and procedures to achieve timely availability of credit lines for customers.
- Assessed customer compliance with approval terms and conditions and allowed disbursements/loan draw downs.
- Negotiated terms and conditions, payment plans and settlements with Business/Sales Teams for optimal guarding of the bank's interest.
- Oversaw monitoring activity on customers about their overdue payments/documents/delinquencies by phone, letter and email.
- Ensured to keep the customers informed on up-to-date credit terms and conditions / regulatory compliance and changes.
- Minimized risk by proactively advising management of active payment issues.
- Conducted credit checks and monitored credit alerts.
- Identified and devise remedial measures for most pressing client debt cases to pursue.
Branch Manager
National Bank of Pakistan
02.2007 - 07.2008
- Boosted branch sales by developing and deepening customer loyalty through Service Model instead of Sales Model.
- Oversaw all aspects of branch management, including sales, revenue, operations, administration, human resource management credit administration and policy enforcement.
- Facilitated smooth running of branch operations by verifying consistent compliance with standard operating procedures.
- Increased overall annual profit by incorporating several quality process improvements within the branch.
- Devised marketing and growth campaigns in collaboration with other peer managers and branch team.
- Managed branch with average of Rs. 730 Million in monthly deposits.
- Won two consecutive Cash Prizes
In Charge SME and Commercial Finance
National Bank of Pakistan
01.2006 - 01.2007
- Build healthy portfolio to meet assets/liability acquisition targets by leveraging new customer accounts.
- Handled credit approval processes through diligent application management.
- Carried out thorough customer assessments/screening to minimize credit risk before recommending the credit memorandum to credit head.
- Supervised credit operations to keep track of customer profile, probable delinquencies and produced high quality credit documentations.
- Solicited ancillary business through cross selling the banking products as per customers' personalized needs.
- Built cordial relationships with borrowers to have business insights for proactive risk mitigation.
- Conducted on site visits of the customers' businesses for business model understanding.
Management Trainee Officer/Relationship Manager
National Bank of Pakistan
07.2003 - 12.2005
- Generated new leads through bank's data on business accounts, referral and cold calling and maintained a healthy pipeline of prospective clients through multichannel engagement strategy.
- Ensured initial and annual reviews are submitted with credit approval forums well before maturities / loan anniversaries.
- Served as primary point of contact for portfolio of various clients.
- Customer orientation on assets and liability products of the bank to maximize the revenue out of the assigned portfolio and complement decision making on loan proposals / credit memorandums.
- Addressed enquiries and resolved complaints and issues.
- Conducted frequent in-depth client visits and periodic business reviews.
Management Trainee Officer
Masood Textile Mills Ltd
11.2002 - 06.2003
- Work closely end to end with various departments including Marketing and Merchandising Departments to create products as per customer requirement/specifications for securing the sales order.
- Specified materials parameters or selected precise pieces to use in production.
- Calculated production costs based on design parameters.
- Commissioned product prototypes and samples to further design goals.
Education
Master - Business Administration
Bahria University
Islamabad, Pakistan /2000 - /2001
Banking Diploma -
Institute of Bankers Pakistan
PakistanCertified Islamic Banker -
National Institute of Banking & Finance
Pakistan /2017 - /2017
Skills
Consumer/SME/Commercial Assets - Credit Risk Assessment, Underwriting and Administration, Financial Analysis, Strategic Business Planning, , Transaction Analysis, Islamic Banking, Relationship Management, Branch Banking, Risk & Compliance, Product Development, Digital Lending, Cross-Functional Leadership, Team Management, Problem Solving, Critical and Analytical thinking
Accomplishments
- Consumer/SME/Commercial Assets - Credit Risk Assessment, Underwriting and Administration, Financial Analysis, Strategic Business Planning, AML/CFT/KYC, Transaction Banking/Analysis, Islamic Banking, Relationship Management, Branch Banking, Risk & Compliance, Product Development, Digital Lending, Cross-Functional Leadership, Team Management, Problem Solving, Critical and Analytical thinking
Languages
English
Advanced
Timeline
Group Head Business Planning & New Initiatives
Allied Bank Ltd
05.2021 - Current
Divisional Head Commercial, SME & Consumer Risk
Allied Bank Ltd
01.2018 - 04.2021
Business Head-Islamic Banking Group
Allied Bank Ltd
01.2017 - 12.2017
Unit Head (SME Risk)-Risk Management Group
Allied Bank Ltd
10.2014 - 12.2016
Manager Regional Commercial Risk
Allied Bank Ltd
08.2010 - 09.2014
Team Leader-Commercial & Retail Risk
Allied Bank Ltd
01.2009 - 07.2010
Team Leader-Credit Administration
NIB Bank Ltd
09.2008 - 12.2008
In-charge Credit Administration
National Bank of Pakistan
07.2008 - 09.2008
Branch Manager
National Bank of Pakistan
02.2007 - 07.2008
In Charge SME and Commercial Finance
National Bank of Pakistan
01.2006 - 01.2007
Management Trainee Officer/Relationship Manager
National Bank of Pakistan
07.2003 - 12.2005
Management Trainee Officer
Masood Textile Mills Ltd
11.2002 - 06.2003
Master - Business Administration
Bahria University
/2000 - /2001
Banking Diploma -
Institute of Bankers Pakistan
Certified Islamic Banker -
National Institute of Banking & Finance
/2017 - /2017
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