Mahbubul Basar Chowdhury Email and Phone Number

Responsibilities:o Revamp Product Program Guidelines (PPG) of Retail Lending Products i.e. Home Loan, Car Loan, Personal Loan and Credit Card;o Update Credit Risk Policy;o Build quality Retail Asset Portfolio;o Launch Online Credit Approval Process for Retail Asset Products;o End-to-end Process Re-engineering for Retail Asset Products;o Manage Retail Credit Risk Team comprising of 06 nos. Credit Analyst & 02 nos. Support Credit Analyst. Achievements:I have got the opportunity to be a part of a team to re-launch Retail Business of Dhaka Bank. Among others following achievements can be mentioned –- Revamped PPGs to make Retail Lending products more marketable by managing Risks;- Updated Credit Risk Policy to practice realistic parameters which helped the Bank to take lending decisions quickly and fairly;- Managed to build quality asset portfolio. NPL was at 3.29% on 30 September 2021 of the underwritten approx. 11320 Retail Asset files from 01 July 2016 to 30 September 2021. At the same time, submission to approval rate was 90% with an average TAT of 02 working days;- Launched successfully Online Credit Approval Process which helps customers to submit their loan/ card applications online. It is an end-to-end online process (client’s application to loan disbursement/ card activation) which is the first of its kind in the Banking Industry. This process helped the Bank to reduce Turn Around Time (TAT). Also, Customers can check their eligibility initially and can track their application status online.- Successfully centralize the Retail Credit Risk Unit from Retail Business Division to CRM Division.

Responsibilities:o Transform the growth of Retail Asset Business by driving the business channels to look for new business opportunities and relieving channels from housekeeping work for file processing (Sanction / Disbursement);o Develop Loan Operations Model to ensure seamless end-to-end process and increase efficiency and productivity at all relevant parties (Business Channels, Retail Underwriting and Retail Asset Operations) to reach the goal of becoming the Best Bank in Bangladesh;o Manage Acquiring Team to ensure Loan Files with complete documents reach to CRM and Asset Operations.Achievements:I have got the opportunity to be a part of transformation of Retail Asset Portfolio of Brac Bank through Retail Acquiring Team consisting of 15 nos. Acquiring Officers. Among others following achievements can be mentioned –- Retail Asset Business gets its highest peak among other Banks of Bangladesh from February 2016 (Net Retail Asset Disbursement in February 2016 was 2333 files amounting BDT 226 Crore including Home Loan of BDT 114 Crore) which turned into Country highest among other Banks & NBFIs of Bangladesh in March 2016 (Net Retail Asset Disbursement in March 2016 was 2273 files amounting BDT 242 Crore including Home Loan of BDT 130 Crore). - Since business channels are relieved from all types of housekeeping work for file processing, we have successfully managed to create a pipeline as file submission reached at the highest peak i.e. Submission in February 2016 was 2500 files amounting Tk. 497 Crore & Submission in March 2016 was 3527 files amounting Tk. 560 Crore.

Responsibilities:o Develop & Implement Home Loan Appraiser based Business Model to ensure Productivity of Business Channels, to enhance File Processing Efficiency, to reduce Decline Rate of Home Loan Files;o Develop & Implement Strategies to increase Quality Home Loan Portfolio aligning with Bank's Strategic Plan to reach in the 3rd position within next 03 (three) years in terms of Fund under Management (FUM);o Recommend Home Loans by evaluating borrowers, by examining loan application & supporting documentation and by estimating credit-worthiness;o Communicate professional experience with Business Channels to attract new home loan applications by developing relationships within the real estate community.Achievements:I have got the opportunity to play key role to ensure quality Home Loan portfolio, productivity and enhance relationship with real estate community with Brac Bank. Among others following achievements can be mentioned –- Implemented Home Loan Appraiser based Business Model which is the first of its kind in the Banking Industry and led a team of 14 nos. Home Loan Appraisers;- Introduced One-stop Approval Process to reduce file processing Turn Around Time (TAT) to 03 days; - Introduced Spot Approval of Home Loans in Home Fest Dhaka 2015;- Launched nationwide Housing Loan;- Reduced loan file declining rate from 40% to 1.52%;- Developed procedures to keep seamless relationship with real estate community; - Implemented inspection of Construction Plans from concerned Approval Authorities (RAJUK/ Municipalities) to mitigate risk of financing on fake plans.Aforementioned achievements have resulted in Home Loan portfolio growth from BDT 824 Crore (approx.) as of 31 December 2014 to BDT 1109 Crore (approx.) as of 31 December 2015.

Responsibilities:o Credit Assessmento Assets, Liabilities and Recovery Mobilizationo Customer ServiceGeographic positioning:o Uttara Office, Uttarao Sylhet Office, Sylheto Dhanmondi Office, Panthapatho Head Office Loan Operations, GulshanAchievements:Among others the following achievement can be mentioned –o I have got opportunity to discharge my responsibilities as Branch Operation Manager (BOM) during my deputation in Uttara Branch from November-2007 to July-2010. I have taken charge of DBH Sylhet Branch as Branch-in-Charge in December 2010.