Summary
Overview
Work History
Education
Skills
Additional Information - Work Authorization
Academic Education And Trainings
Timeline
Generic

Naveed Malik

Parlin

Summary

Professional with nearly 25 years of experience in conventional and Islamic banking across major private and global institutions. Expertise includes team management, sales, marketing, Islamic product development, business analytics, and strategic planning. Successfully established a leading retail Islamic banking franchise in Pakistan, significantly enhancing its position in consumer and retail banking products within the Islamic finance sector.

Overview

24
24
years of professional experience

Work History

Group Head Retail & Consumer Banking

Dubai Islamic Bank Pakistan Limited
04.2019 - Current
  • Responsible for Dubai Islamic bank Pakistan’s Retail / Consumer Business, Sales and Product Management, overseeing all major sales channels including 235 branches country wide, a direct sales force of over 700, Tele Sales Unit and managing an overall team of 1500 plus staff. The position reports to the CEO / President of the Bank.
  • Direct Reports include Head of Marketing, Business Heads of Assets, Head of Agri Finance, Head of Wealth Management, and Branch Banking Heads (North, Central and South). Responsible for driving the consumer and branch banking businesses to achieve the volume and profitability targets, while managing the controls and risks.
  • Member of the following committees: ALCO, MANCOM, ITSC, Control and Compliance Committee and Branch Opening Committee, and also remained an active member the Bank’s Management Credit Committee.
  • Key Achievements include Deposit growth from 110Bn to 347Bn, Bank Current Account deposits from 29Bn to 97Bn, growth in Customer Base from 473K / 525K Accounts, Branch Expansion of 75 Branches, Introduction of Trade Business in branches, Launch of a specialized Non Resident Product RDA (15K Accounts), Revamp of Remittance Business (500K USD to 22Mn / Month), Launch of Tele Sales Unit, Re-aligned Branch Manager Incentive Program and Score Cards and Banking on Equality Initiatives (BOE) / (female accounts 95K / Active 49K)

Head of Distribution / Branches

Dubai Islamic Bank Pakistan Limited
04.2011 - 04.2019
  • Leading the management team of Retail Business, including Business and Retail Operations. Direct Reports include the 6 Regional Heads, and Branchless Banking. Responsible for driving the consumer and trade cross sell through the retail network and achieving the Retail Group’s financial targets in terms of the balance sheet and P&L.
  • Member of the following committees: ALCO, MANCOM and Branch Opening Committee.
  • Having strong skills and deep intel of markets scattered across Pakistan
  • Took over Distribution with network of just 27 dedicated Islamic branches; spearheaded a project for branch expansion of 200+ branches
  • Successfully carved a network footprint of 235+ branches in 5 years of operation, covering 25 Areas
  • Introduced hybrid model in branch network, where branches will sell all kind of liabilities and asset products, including Commercial, SME, Advances and Trade
  • Enhanced total deposit portfolio from PKR 100Bn to PKR 350Bn +, which includes CA of PKR 150Bn +
  • Disbursed PKR 10Bn newly launched Low-Cost Housing Scheme loans in less than one year
  • Introduced and launched BDO / feet-on-street structure, with 300+ BDOs across the network

Business Management Head of Liabilities / Head of Wealth Management

Dubai Islamic Bank Pakistan Limited
01.2006 - 04.2011
  • Responsible for Product Management and P&L Management of Retail Bank. Providing strategic and product support to Retail Bank towards the achievement of its Profitability targets.
  • Was part of the core team involved in setting up the DIB Franchise in Pakistan in 2006 and laying down the foundation of DIBPL Retail Bank.
  • Involved in digitalization drive of the bank and establishing various digital channels, including mobile app, branchless banking and other ADC channels.
  • Introduced various new Shariah-compliant deposit and consumer products
  • Involved in multiple initiatives for Optimization Branch network
  • Involved in opening of sizeable number of New Branches and relocation of many old cramped / congested branches
  • Involved in opening state of art Islamic Prestige Lounges

Group Product Manager

United Bank Limited
09.2001 - 01.2006
  • Developing business plans within the product line by identifying customer needs, defining product requirements, making strategies and implementing them within the targeted time lines.
  • Was part of the transformation team post privatization, which helped put the institution on the fast track to becoming one of the largest private Bank in Pakistan.
  • Key initiatives involved development of an innovative liability incentive scheme, which worked on a gain sharing model and become one of the key drivers for the liability growth strategy.
  • Developed specialized liability products for the business customer segment using the online banking as a key feature enabling a major growth in the current account segment.

Education

Influence and Persuasion in Leadership

Harvard Division of Continuing Education
Cambridge, Massachusetts
08.2025

Master of Business Administration - Finance

South Eastern University
Washington D.C., USA
06.1999

Skills

  • Islamic Finance
  • Retail & Consumer Banking
  • Regulatory Compliance & Risk Management
  • Strategic Leadership
  • Wealth Management
  • Product Development
  • Branch Distribution & Sales
  • Customer Experience Strategy
  • Digital Banking Transformation

Additional Information - Work Authorization

Authorized to work in the U.S. (Green Card)

Academic Education And Trainings

  • Influence and Persuasion in Leadership, 07/01/23, Harvard Division of Continuing Education, Cambridge, Massachusetts
  • Master of Business Administration, 06/01/99, South Eastern University, Washington D.C., USA, Finance

Timeline

Group Head Retail & Consumer Banking

Dubai Islamic Bank Pakistan Limited
04.2019 - Current

Head of Distribution / Branches

Dubai Islamic Bank Pakistan Limited
04.2011 - 04.2019

Business Management Head of Liabilities / Head of Wealth Management

Dubai Islamic Bank Pakistan Limited
01.2006 - 04.2011

Group Product Manager

United Bank Limited
09.2001 - 01.2006

Influence and Persuasion in Leadership

Harvard Division of Continuing Education

Master of Business Administration - Finance

South Eastern University

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Naveed Malik