Card Business - Debit, Credit & PrepaidMerchant Acquiring BusinessOverall Card Operations & BusinessPortfolio ManagementStrategic PlanningLeading the sales channelsKey Projects Management

I am responsible for below activities at my position in Bangladesh Market:□ Maintain primary responsibility for managing the relationship and profitability of target customers□ Responsible for all account management/business development activities for customer set □ Design and execute strategic/tactical plans to enhance customer and MasterCard profitability□ Develop strong working relationships with key influencers at customer banks and with MasterCard support teams□ Work with MasterCard cross functional teams to identify new segment and product opportunities and develop bespoke propositions to maximize segment penetration□ Leverage all MasterCard brand sponsorship properties, product/services to deliver exceptional customer value□ Responsible for all administrative and operational issues for the target customer set□ Manage & develop new and existing products; programs and services, as required□ Perform market research and opportunity assessments on new concepts and ideas. Assess the viability of new products in support of market strategy□ Recommends market strategy including pricing; introduction to market; profit planning; expense budgets; etc.

□ Driving sales of Consumer Asset products like Personal Loans, Auto Loans, Home Loan etc. through channels like Branches and Direct Sales Team□ Consumer Loan portfolio management□ Ensuring Profit target achievement of Consumer Asset Business□ Managing delinquency of Asset Portfolio□ Managing Direct Sales Team of 200 people□ ESAU model implementation and follow-up for DST□ Preparing budget for the Bank in light of profitability and overall business target of the Bank□ Close monitoring the performance of the channels against the budget on regular basis□ Preparing strategy for achieving the target for the Bank□ Ensuring profitability of Asset Value Center □ Preparing strategy for taking the business lead in the market□ Product development and implementation for Asset Value Center□ Conducting different campaigns for Asset Products□ Liaison with internal and external stake-holders□ Alliance (with Car Vendors, Developers etc.) management for Value Added services for the customers □ Re-engineering the process of Credit Process for Asset Products□ Managing cost-income ratio for Asset Value Center efficiently□ Monitoring product-wise profitability and submitting strategic action plans to Management

□ Product Development and implementation like Variable Interest Rate, Balance Transfer, and Installment Payment etc. in credit card.□ Streamlining customer service and different operational process for Cards Division□ Monitor and Boost up credit card sales with DST and Branch□ Preparing Credit Policy for Credit Card approval abiding by Bangladesh Bank guidelines and Bank’s internal policy□ Conducting different types of campaign for boost up card sales□ Monitoring business and services through ATMs□ Preparing Credit Card PPG for The City Bank Limited□ Launching Visa Cash Back (Visa Shop N Cash) in City Bank, first time ever in Bangladesh.□ Project Manager for independent CMS and SWITCH for City Bank□ Project Manager for American Express Card launched by City Bank in Bangladesh. Efficient launch was performed within shortest possible time (within 6 months). Simultaneous Amex Launch and CMS & SWITCH were implemented within these 6 months. □ Project Manager for American Express Corporate Card in City Bank□ Launched Amex Acquiring Business with 1500 merchants in 3 months□ Launching of global standard Call Center for American Express Card Services for City Bank.□ Launched 43 ATMs in City Bank□ Introduced new DST policy for Amex Card Sales□ Leading a team of 362 persons including 200 Direct Sales Team, 42 Call Center persons and 120 Operations persons in Cards Department of City Bank.□ Total Business in 12 months (Nov 07, 2009 to Nov 06 2010) is – • Amex Card Issued 50,000 (in one year)• Amex Card outstanding in 1 year- Taka 143 crore• Visa card reached at 36,444 with an outstanding of Taka 90 crore from 21,000 in 2009• Total Acquiring volume for Amex in 12 months is Taka 245 crore• Total Visa Acquiring Volume reached from BDT 52 crore in 2009 to BDT 169 Crore