Bevan Perera Email & Phone Number

Colombo, Western Province, Sri Lanka

Key responsibilities.• Profit Maximization: Oversee pricing, budgeting, and cost controls to ensure maximum profit. • NPL and Impairment management – review of digital lending portfolio performance and decision models performance. • Data-Driven Decisions: Use real-time dashboards and reports to monitor progress and adjust strategies as needed. • Product Development- Sign off on test case and UATs performance for final product launch on genie app. • Partnership Management; I oversee, manage and forge external partnerships for business growth.• Brand Building & Marketing: Manage brand strategy, digital marketing campaigns, and traditional marketing activities. go-to-market activities.• Customer Lifecycle Management: Acquire customers, keep them engaged, and win back dormant usersKey Achievements• Launch of "Quick Loan," Sri Lanka's first digital loan by a regulated financial institution, adhering to the principles of responsible lending and ensuring robust credit risk management.• Business head of the Digital Lending Platform for MSMEs – connecting 80,000 Dialog Retailers. where retailers are whitelisted and offered loan facilities within 30 minutes. • I led the launch of Sri Lanka's first fully digital debit card with a secure "green pin" concept, streamlining the debit card experience.• I played a pivotal role in scaling the "genie" and specially genie digital savings account and genie debit Mastercard through strategic go-to-market campaigns and positioned the "genie Digital Savings account" as the anchor product for the genie platform.• Development Strategic Partnerships with leading entities DARAZ, Healthguard Pharmacy for SME credit .• I championed the development of Sri Lanka's first Tri-lingual Internet Banking Customer Interface "Sahasra" for MSMEs.• Was instrumental in arranging a Co-Branded genie debit Mastercard for SME sector in collaboration with Unilever Sri Lanka's top retailers under the “Muthupalasa” Loyalty Scheme

Sri Lanka

Key Responsibilities - Head of Credit Management• Secretary of the the Internal Credit Committee (ICC) and Board Credit Committee (BCC)• Member of the Asset and Liability Committee (ALCO) deciding on risk based product pricing• Managing the Credit Management Framework of Underwriting, Documentation and Credit Operations of the company.• Approving credit under delegated lending authority.• Recommending Credit Facilities to Board Credit Committee• Review of product portfolio performance and Individual Credit. • Review of new lending product papers to check its compliant with the internal credit policies, regulatory requirements. • Devising Credit Policies and Procedures and documentation on New Fintech digital lending products. Key Achievements - Head of Credit Management• Improved the company's NPL ratio to 2.35% in the financial year 2021 from 7% in the previous year after a 12% credit Growth. In FYE 2022 it was 1.35%. Ratios well below industry figures.• Business Lead for the development of a Credit Scoring Model for digital lending using telco data in collaboration with international firm FICO.

Sri Lanka

Investment Banking Solutions structuring and arranging for corporates in Sri Lanka. Trade Finance solutions such as UPAS Lcs.Foreign currency denominated Capital and Working funding arrangements.

Colombo, Western Province, Sri Lanka

Key Responsibilities – Assistant General Manager – Business Development & Marketing Communications• Strategic Leadership: Founding member of the Corporate Management Team, responsible for making strategic decisions that steered the company's direction.• Business Growth: As Head of Business Development, spearheaded initiatives that exceeded company targets for profitability and business volume, particularly within SME & Trade Finance.• Product & Market Development: Led the development of new lending products, established strategic channel partnerships, and implemented impactful marketing communications to elevate brand awareness and promote products.Key Achievements• Handled the company’s name change (From Melsta to Fintrex) process seamlessly with Zero disruption to the business. The lending portfolio grew 50% YoY after the changeover during FY2018/19• Initiating strategic partnership with United Nations Development Program (UNDP) on Sustainable Energy and Green Financing.• Creating partnerships with car sales for leasing business growth.

Colombo, Western Province, Sri Lanka

Key Responsibilities – Chief Manager and Senior Manager – Asset Finance• Business Development to achieve sales targets for Leasing, Factoring, Term Loans, and Trade Finance.• Manage Relationship Managers and Credit Analysts for Factoring, Trade Finance, and Term Loans for SME lending.• Managing a sales team for the Leasing business. • Approving credit under delegated lending authority.• Recommending Credit Facilities to Board Credit Committee• Review of product portfolio performance and Individual Credit. • Follow up on collections of SME portfolio and 1st 12 months on leasing contracts. • Managing the NPL with in set targets.Key Achievements• Training the Credit Analysts at the time of setting up of the company Melsta Regal Finance Ltd • Introducing the total trade financing & working capital solution product “360-degree Trade Financing” for SME clients which remains the most profitable SBU of the company

Dubai, United Arab Emirates

• Manager - Corporate Banking within the Centralized Credit Admin unit of Wholesale Banking.o Sign off on documentation on  syndicated loans. Loan sell downs & take overs. Trade Financing. Primary & Secondary Market Risk Participations. Cross Border Bilateral Loans. Club Deals. o Monitored bank and country limits for the Financial Institutions unit.o Review of Facility offer letters of Domestic Banking Unit Jebel Ali and other required security documents prepared by the team and their compliance with the approval terms on a timely basis for the signature of corporate clients.Key Achievements• Design and implementation of the “Escrow Account” procedure for the Wholesale Banking Unit of Emirates NBD in conformance to Law No. 8 by the Dubai Government. Represented ENBD at steering committee meetings with the Dubai Land Department for the establishment of the process as the Dubai Government-owned Bank. • Part of the team that successfully managed the responsibility in the amalgamation of the Credit Administration function of the Financial Institutions and Overseas Corporate Units of the National Bank of Dubai and Emirates Bank International to create the Financial Institutions and International & Institutional Banking unit of the newly merged entity of EmiratesNBD Bank PJSC.• Part of the team involved in the centralization of the Credit Administration team of the Wholesale Banking Unit of Emirates NBD Bank PJSC.Manage a team of seven subordinates

Dubai, United Arab Emirates

• Assistant Manager - Credit Administration (International Institutional Banking): o Document checking and review of for syndicated loans, Risk participation club deals, and other financial instruments.o Review of agreements to be in compliance with LMA documentation and approval terms. o Monitored bank and country limits for the Financial Institutions unit.o Booking of all entries in the AS400 system.o Calculation of Breakcost.o Ensuring loan disbursement proceeds are remitted on time on all transactions through remittance department. o Checking for loan repayment proceeds received from international clients and recovery of loan installments in a timely manner.

Dubai, United Arab Emirates

o Evaluated and recommended changes to the bank's credit policy.o Originated credit circulars and maintained the credit policy manual.Exceptions Monitoring.

United Arab Emirates - Dubai

Analysing and recommending for approval large ticket Islamic Financing facilities.

Sri Lanka

Business Development - Factoring and Working Capital Financing.

Central Colombo/Pettah, Regional Office Sab'Gamuwa,Hulftsdorp,Central Acounts,

I started my career at the Central Accounts Department and then moved into branch banking andspecialized in Credit. I worked at Hulftsdorp, Balangoda, Central Colombo/Pettah branches aswell as the 1st Regional Office of the Bank covering Sabaragamuwa and Eastern Province of SriLanka.Key Responsibilities - Central Colombo/Pettah Branch - Relationship Officer (2003 to 2005):• Managed a portfolio exceeding Rs. 1 Billion for large Import/Export & Wholesale• Trading SMEs.• Preparation of Credit Appraisals. • Financial statement analysis.• Recommending proposals for approval.• Business visits and inspections. • Preparation and execution of Credit Security Documentation. • Loan booking in the system and limit marking.• Arranging temporary excess approvals. • Regional Office (Sabaragamuwa & Eastern Provinces) - 2001 to 2003:• Reviewed and recommended SME lending and agricultural credit proposals for the• approval of the Regional Manager.• Monitoring exceptions.• Post Credit Monitoring of adherence to approval conditions.• Branch Visits for inspections.• Client visits with Branch staff. Key Achievements• Initiated the restructuring of the complete Credit Unit of Habib Bank AG Zurich Sri Lanka operations pursuant to the take-over by HNB in 2003.Key Responsibilities – Credit Officer – Regional Office • Review of credit proposals sent by Branches that are within the credit policies and procedures.• Check and cross-verify the accuracy of the information provided.• Perform financial analysis of the financial information provided or build the balance sheet and P&L based on the information available.• Business and client inspections.• Audit visits to branches for accuracy and availability of security documents and compliance with the approval terms. • Recommending credit appraisals based on the credit evaluation for the approval of the Regional Manager and head of credit committees.

Master Of Business Administration (Mba), Business, Management, Marketing, And Related Support Services

Cma, Finance And Financial Management Services, High Distinction- Financial Management. Distinction - Fin Statement Ana

Advance Diploma In Business Administration, Accounting And Business/Management

Associate Member of Association of Business Executives UK (ABE UK)

Diploma, Banking

Certificate Of Competence, Share Trading And Investment Advice

Qualified to operate on the Trading Floor of the Colombo Stock Exchange and offer investment advice

Primary & Secondary Education, Business Administration And Management, General

Activities and Societies: Head Prefect of the College in year 1993. Youngest to become a senior prefect in the College at the age of 15..

Marketing

Certified Marketer