Malik Waheed Email & Phone Number

Club Road Area Office, Hotel Metropole Building, Karachi

Club Road Area branches are; Club Road Branch, Abdullah Haroon Road Branch, Preedy Street Branch, Bohra Bazar Branch, Elphinstone Street Branch and Cantt Station BranchAt the eve of mid-year 2012 closing Club Road Area showed an increase of 180 Million, in total deposits. This further enhanced to 20% increased by 1.003 Billion at the end of the year 2012. The increase in Current Accounts recorded 42% and whereas in low cost there is an increase of 30% during the year 2012. In view of my… Show more Club Road Area branches are; Club Road Branch, Abdullah Haroon Road Branch, Preedy Street Branch, Bohra Bazar Branch, Elphinstone Street Branch and Cantt Station BranchAt the eve of mid-year 2012 closing Club Road Area showed an increase of 180 Million, in total deposits. This further enhanced to 20% increased by 1.003 Billion at the end of the year 2012. The increase in Current Accounts recorded 42% and whereas in low cost there is an increase of 30% during the year 2012. In view of my achievements in the year 2012, once again I was conferred with Performance Cash Award. Show less

Karachi Region South

On various occasions during my posting as Area Manager in the field I was assigned to Officiate as Regional Chief Karachi Region South. During the last six years I have been assigned to manage quite a good number of branches in Karachi which varied demographically. These included;Commercial branches; M. A. Jinnah Road, Jodia Bazar, Rampart Row, Kutchery Road, Eid Gah, Safe Deposit Vault, Marriot Road, Aram Bagh, Tibet Centre, Timber Market and Cloth Market.Project… Show more On various occasions during my posting as Area Manager in the field I was assigned to Officiate as Regional Chief Karachi Region South. During the last six years I have been assigned to manage quite a good number of branches in Karachi which varied demographically. These included;Commercial branches; M. A. Jinnah Road, Jodia Bazar, Rampart Row, Kutchery Road, Eid Gah, Safe Deposit Vault, Marriot Road, Aram Bagh, Tibet Centre, Timber Market and Cloth Market.Project branches; High Court, PAF Base Shaheen Mauripur, West Wharf, P. N. S. C., Sindh Secretariat, Manora, Fish Harbor and City Court.Remote Residential branches; Old Truck Stand, Aatmaram Preetamdas, Mauripur Village, Keamari, Bhutta Village and Shereen Jinnah Colony.Business Centre branches; Club Road, Abdullah Haroon Road, Preedy Street, Mansfield Street, Elphinstone Street, Bohra Bazar and Cantt Station. More so over the branches and their entire premises, under my domain, got redesigned, refurnished and renovated. ATMs installed in almost all the branches and attached to Bank’s Database. These branches remained outstanding example of value added customer services but also the designing, décor and neatness of the premises being commended by the customers and by the bank’s management as well. Furthermore the staff at these branches was rationalized, reorganized and trained to be proactive. Each year the prominent performers were elevated as Supervisors, Manager- Operations, Managers and Area Managers. Show less

Central Area Office, Sindh High Court, Karachi

High Court Branch, Sindh Secretariat Branch, West Wharf Branch, P. N. S. C. Branch, Keamari Branch, Bhutta Village Branch, Manora Branch, Fish Harbor Branch, Old Truck Stand Mauripur Branch, Aatmaram Pretamdas Branch, P. A. F. Base Branch, Mauripur Village Branch, Shireen Jinnah Colony Branc, City Court Branch, Timber Market Branch, Mansfield Street Branch and Cloth Market BranchOn completion of three years tenure, I was posted as Area Manager of Central Area, Karachi in January… Show more High Court Branch, Sindh Secretariat Branch, West Wharf Branch, P. N. S. C. Branch, Keamari Branch, Bhutta Village Branch, Manora Branch, Fish Harbor Branch, Old Truck Stand Mauripur Branch, Aatmaram Pretamdas Branch, P. A. F. Base Branch, Mauripur Village Branch, Shireen Jinnah Colony Branc, City Court Branch, Timber Market Branch, Mansfield Street Branch and Cloth Market BranchOn completion of three years tenure, I was posted as Area Manager of Central Area, Karachi in January, 2010. Considering my achievements in the year 2010, I was awarded as the Top Area Manager for Auto Loans in the Annual Consumer Conference 2010.In the year 2011 once again the structure of Areas was revised and Central Area comprises of 10 branches namely; High Court, Sindh Secretariat, Timber Market, Keamari, Bhutta Village, Cloth Market, PAF Base Shaheen Mauripur, Old Truck Stand, Mauripur Village and Aatmaram Preetamdas Road Branches.Half yearly closing results of Central Area remained satisfactory; there is increase of 23.4% increase in Low Cost Deposits and Total Deposits increased by Rs. 11%. Despite the fact that Sindh Government shifted their Deposits in bulk to Sindh Bank, there is respectable increase in the Deposits of Area. In July 2011 Karachi Region South was restructured and the Central Area branches includes; High Court, Sindh Secretariat, West Wharf, PAF Base Shaheen Mauripur, P. N. S. C., Fish Harbor, Manora and City Court Branches. These are Project Branches. The performance of Area for the quarter ending September, 2011 remains excellent and earned Best Area Award in the Region.At the yearend 2011, there has been increase of 24.57% in the deposit of the Area and the Low Cost Deposits increased by 37%. Show less

Area Office Sindh Secretariat, Sind Assembly Building, Karachi

Sindh Secretariat Branch, Tibet Centre Branch, Iddgah Branch, Safe Deposit Vault Branch, Kutchery Road Branch, Aram Bagh Branch, Marriot Road Branch, Aatmaram Pretamdas Branch, Rampart Row Branch, Jodia Bazar Branch and M. A. Jinnah Road BranchSindh Secretariat Branch achieved the Quality Champion Branch Award 2007, The Cleanest Branch of the Year 2007. Three branches of the Area selected in the Premier Club; Sindh Secretariat, S.D.V. & M. A. Jinnah Road branches.M. A. Jinnah Road… Show more Sindh Secretariat Branch, Tibet Centre Branch, Iddgah Branch, Safe Deposit Vault Branch, Kutchery Road Branch, Aram Bagh Branch, Marriot Road Branch, Aatmaram Pretamdas Branch, Rampart Row Branch, Jodia Bazar Branch and M. A. Jinnah Road BranchSindh Secretariat Branch achieved the Quality Champion Branch Award 2007, The Cleanest Branch of the Year 2007. Three branches of the Area selected in the Premier Club; Sindh Secretariat, S.D.V. & M. A. Jinnah Road branches.M. A. Jinnah Road Area enjoyed the reputation of Best Area in Region South. Keeping in view my performances I was appraised among the “Top Ten” employees. More over in RBG Sales Conference Year 2007, I was awarded with Deposit Champion Award (Gold Medal) RBG Sales Conference 2007. The Area under my supervision with a significant note right from the beginning demonstrated consistent and steady growth and awarded with;Low Cost Deposit Champion for the First Quarter of 2008, Best Area Award for the 1st Half 2008 and Low Cost Deposit Champion Award for the 1st Half 2008, Best Area Award in Deposits and Cross Selling third quarter 2008. The area at the close of year earned Best Area Award for the year 2008.The cumulative increase up to December, 2008 is 218% in total Deposit. I was appraised and placed among “Top Ten” employees of the Bank for the year 2008.During my three years tenure at M. A. Jinnah Road Area, there has been cumulative increase of 145%. On such achievements in the year 2009, the Area earned the Best Area Award for 1st Half of year 2009, and Best Area Award the year 2009. Show less

Hbl – Regional Head Quarters, Karachi Region South Comprised 70 Branches

I was elevated as RAGM Consumer. I looked after all the affairs of the Consumer with added charge of Head Marketing Team. The assignment included; Product Development, Delinquency Management, Risk Management, Processing and Approvals of Credit Proposals; Support to the field functionaries, Recovery Management, MIS, Preparation of Periodical Reports for performance assessments and decision making. Conduct periodical meetings of Chief Managers/ Senior Managers / Managers/ Credit Managers… Show more I was elevated as RAGM Consumer. I looked after all the affairs of the Consumer with added charge of Head Marketing Team. The assignment included; Product Development, Delinquency Management, Risk Management, Processing and Approvals of Credit Proposals; Support to the field functionaries, Recovery Management, MIS, Preparation of Periodical Reports for performance assessments and decision making. Conduct periodical meetings of Chief Managers/ Senior Managers / Managers/ Credit Managers /Credit Officers of the Region etc. Carrying out the orientation of newly inducted MTOs and Probationary Officers. Conducting Refresher courses for Chief Managers/ Senior Managers / Managers/ Credit Managers /Credit Officers of the Region etc.The Consumer Finance portfolio kept on escalating and the Region once again remained on top position. The highest volume increase was recorded. “Process Reengineering” In 2005 it was felt that the immense volume of Consumer Finances is overshadowing most of the man hours in the branches. Thus In order to meet the present day needs, It was decided that the bank should set off for “Process Reengineering”. It was shocking to note that thousands of accounts were left unattended by the branches and MISYS as well. The NPL of the Region was 20%. whereas the delinquency was in 34% accounts.Keeping in view the urgency and importance of the issue, a Mobile Recovery Unit (MRU), under my supervision, was formulated instantly. This team was assigned the task of recovery and individual targets were allocated. Their goal was bringing the percentage of NPL portfolio per branch to 3%. As on end of year, out of our 70 branches 55 branches were at the desired level, where as remaining 15 branches were being chased vigorously to meet the preferred level. The reduction in NPL in first year was 69.62%. Keeping in view these excellent performances in the year 2006, I was appraised and placed among “Top Ten” employees of the Bank and promoted as Vice President. Show less

Regional Head Quarters, Karachi Region South Comprised 70 Branches

It was decided to establish a task force namely “Marketing Team” and I was selected as Head of this team. The goal was to address the prevailing situation and help the branches in achieving their annual targets, and to earn a respectable position for the Region. The efforts of Marketing Team under my leadership resulted in the record achievements.… Show more It was decided to establish a task force namely “Marketing Team” and I was selected as Head of this team. The goal was to address the prevailing situation and help the branches in achieving their annual targets, and to earn a respectable position for the Region. The efforts of Marketing Team under my leadership resulted in the record achievements. The consumer Products has been increased by 157.4%. Whereas, the increase in FLEXILOAN was 460.7%. Besides Presentations at different Organizations, for the first time in HBL, One Day Camps were organized at branches and Institutions.At the end of year 2004 Karachi Region “A” earned outstanding position in “U R on the Top” Annual Awards 2004 Ceremony and in recognition I was appreciated too, and listed among the “U R on the Top Leaders. These excellent results were achieved through the following measures taken / recommended by Marketing Team under my supervision; Functionalization of selected branches in Region, Delegation of Powers to field functionaries, Effective delinquency management, Addition of more branches under the lists of Authorized branches for Consumer Products, Addition / up gradation of institutions under AOL, Timely service, Training of field functionaries / operational staff, through workshops; at RHQ, Periodical meetings (weekly, fortnightly, monthly) of Managers / Credit Managers / Credit Officers to update / refresh product knowledge, address issues and to review the achievements. Risk Management systems put in place to mitigate the risks arising from lending consumer finances, C. A. D. more effective to play its role. Marketing personals identified and nominated at branch levels. Contractual employees hired and posted at strategic branches. Show less

Defence Housing Society Branch Karachi

All targets surpassed during the stay of three years at the branch, the performances remained extra ordinary and applauded by superiors. During this period NPL completely got adjusted. One the eve of my leaving the branch the cumulative escalation in deposits was 105%, whereas credit portfolio increased 400%.

Hr Personnel Division Head Office Karachi

I was also assigned to look after the affairs of Habib Bank Staff Behbood Fund, as a member and coordinator of Majlis e Montezuma of the HBL Staff Behbood Fund from January 2000 till August 2001. The main function was to co-ordinate between the CBA and Bank Management. Formation of “Work Councils” at all levels in the Bank, and to see these are operating as per the laid down policy.

Hr - Personnel Division Head Office Karachi

HBL had 2021 Branches and head count of 33,000 + employeesI being first ever officer in the bank privileged and designated as TRUSTEE of Habib Bank Employees Welfare Fund Trust. I looked after the affairs of the Trust as SECRETARY and TRUSTEE from August 1996 till August 2001 (6 years), very effectively. Being Trustee & Secretary of Habib Bank Employees Welfare Fund Trust, responsible for all regulatory matters, including dealing with internal and external auditors and ensuring full… Show more HBL had 2021 Branches and head count of 33,000 + employeesI being first ever officer in the bank privileged and designated as TRUSTEE of Habib Bank Employees Welfare Fund Trust. I looked after the affairs of the Trust as SECRETARY and TRUSTEE from August 1996 till August 2001 (6 years), very effectively. Being Trustee & Secretary of Habib Bank Employees Welfare Fund Trust, responsible for all regulatory matters, including dealing with internal and external auditors and ensuring full compliance with local laws and regulations. Fund management and revenue generation through timely and efficient investments. Maintain overall budget control and monitor cash flows and expenditures. Established two companies under the banner of Habib Bank Employees Welfare Fund Trust namely 1. M/S Habibian Support Corporation and 2. M/S Collateral Services Pvt. Ltd. Show less

Hr Personnel Division Head Office Karachi

HBL had 2021 Branches and head count of 33,000 + employees In August 1996, my services were transferred to Personnel Division - HR, HOK and I was assigned to Head the Staff Welfare Department. This portfolio was previously being held by a Senior Vice President. Moreover in the year 1997 entire departments in Personnel Division were downsized and restructured; Finally this exercise was carried out in entire bank. Under the changing scenario the assignment was taken as a challenge and… Show more HBL had 2021 Branches and head count of 33,000 + employees In August 1996, my services were transferred to Personnel Division - HR, HOK and I was assigned to Head the Staff Welfare Department. This portfolio was previously being held by a Senior Vice President. Moreover in the year 1997 entire departments in Personnel Division were downsized and restructured; Finally this exercise was carried out in entire bank. Under the changing scenario the assignment was taken as a challenge and with full energy, devotion and dedication, I with the help of my team succeeded not only in achieving the set goals but even surpassed most of them. Through automation, the headcount of the department was further reduced whereas the quality as well as the quantity of the assignments was enhanced. Further assignments were entrusted to my department and many a new schemes for the staff were introduced viz a viz: Scholarship Scheme for Children of Executives / Officers, Sponsored Scholarship Scheme To Acquire MBA / M.Com Degree for staff (evening), Award of Cash Prize to children of staff on completion of Hifz-e-Quran, Cash award to staff on improvement of educational qualifications / passing DAIBP, Award of Gold Medals and Cash prizes to position holders (Habibian’s children) in the Board & University examinations, Provided Insurance coverage to all the employees, their spouses and dependent children for Overseas Treatment.In January 2000, entire department of Behbood Fund was also merged with in Staff Welfare Department. The allocation of Mutual Fund Units for the period of 1996, 1997 and 1998 was done for the entire staff (31,099) and payments to retired employees were also effected. In addition to the usual working of the department, many task force assignments were also handled effectively. Show less

Hr Personnel Division Head Offive Karachi

HBL had 2021 Branches and head count of 33,000 + employees During this period of my association with HR, HBL was going through gigantic organization reformation involving the introduction of functionalized set up with matrix management, business process re-engineering, employee contentment review and incentive programs, TQM roll out, leadership growth and introduction of HR optimum practices. I remained an active part of the change management team and played an energetic role during… Show more HBL had 2021 Branches and head count of 33,000 + employees During this period of my association with HR, HBL was going through gigantic organization reformation involving the introduction of functionalized set up with matrix management, business process re-engineering, employee contentment review and incentive programs, TQM roll out, leadership growth and introduction of HR optimum practices. I remained an active part of the change management team and played an energetic role during these years. Staff rationalization and downsizing through creative results was significant to the triumph of the new HR strategy. Major challenge was to right size the bank by 30% reduction in the head count of 33,000+ employees.I was entrusted to Head the first ever Golden Handshake Scheme in HBL, and resultantly the head count of employees was brought down to 21,000 in the year 1997. Show less

Regional Headquarters Karachi

HBL – Regional Head Quarters, Karachi comprised 177 BranchesWith the abolition of circle offices in July 1995, my services were transferred to RHQ Karachi Region and there I worked as Head - Transport and Payments Department. Performance during my tenure of one year at RHQ was again outstanding. Entire working and procedures were streamlined, jobs being done manually were automated, complete and effective checks were exercised. As a result the escalating expenditure heads were brought… Show more HBL – Regional Head Quarters, Karachi comprised 177 BranchesWith the abolition of circle offices in July 1995, my services were transferred to RHQ Karachi Region and there I worked as Head - Transport and Payments Department. Performance during my tenure of one year at RHQ was again outstanding. Entire working and procedures were streamlined, jobs being done manually were automated, complete and effective checks were exercised. As a result the escalating expenditure heads were brought into control and there were record decrease of 63% in all the Expenses Heads. Where as through out the bank, there was an increasing trend in expenditure. Show less

Karachi Circle "E"

HBL - Karachi Circle “E” comprised of 67 BranchesI was assigned with the job of Head – Recoveries & Litigation, with Karachi Circle ‘E’. The performance there too was outstanding and applauded by my superiors. A system was developed to identify the chronics of the Classified Portfolio of the Finances, measures were taken for chasing each and every such case and as a result huge recoveries were made. Legal course of action was adopted where the response of the defaulters was not… Show more HBL - Karachi Circle “E” comprised of 67 BranchesI was assigned with the job of Head – Recoveries & Litigation, with Karachi Circle ‘E’. The performance there too was outstanding and applauded by my superiors. A system was developed to identify the chronics of the Classified Portfolio of the Finances, measures were taken for chasing each and every such case and as a result huge recoveries were made. Legal course of action was adopted where the response of the defaulters was not affirmative. It was Karachi Circle ‘E’ which in the banking history started impounding of Vehicles of defaulted borrowers, and founded the base of ARM, under my supervision. Show less

Sindhi Hotel Branch Karachi

Sindhi Hotel Branch, Karachi (1986-1991) Held the managerial charge for five years, my performance during the tenure had been excellently good from all the angles of working. When I took the charge, the branch was in ‘D’ Audit Category. This position was improved and out of my first seven months efforts the category changed from ‘D’ to ‘C’ with improvement of deposits by 44%, and improvement in classified advances 26%. Thereafter till last day of my leaving the branch, it regularly enjoyed ‘B’… Show more Sindhi Hotel Branch, Karachi (1986-1991) Held the managerial charge for five years, my performance during the tenure had been excellently good from all the angles of working. When I took the charge, the branch was in ‘D’ Audit Category. This position was improved and out of my first seven months efforts the category changed from ‘D’ to ‘C’ with improvement of deposits by 44%, and improvement in classified advances 26%. Thereafter till last day of my leaving the branch, it regularly enjoyed ‘B’ Audit category and there was constant increase in deposits, accounts and profit and fall in stuck up finances. The cumulative progress of my tenure as manager of the branch is 101% escalation in deposits, 104% growth in Profit, number of account increased by 29% plus, reduction in stuck up finances 66% and Audit category improved from “D” to “B”. Show less

Pathan Colony Branch, Karachi

Pathan Colony Branch, Karachi. Responsibility was to supervise and manage the smooth working of the branch, Human Resource management, to improve the internal working, which was in real bad shape. The primary goals assigned were to improve; the quality of service, internal working, audit category, improvement in advances and discipline of the branch, all the goals were achieved with in the given time period (6 months).

Sunny Bank Branch, Murree

Mianwala Adda Branch. (1981) The first branch where in assigned with the job of Manager in year 1981 (at that time total experience of line banking was 2 years only and I was privileged as youngest manager of the Habib Bank Limited). The performance as manager had been up to the mark. Sunny Bank Branch, Murree. (1982-1985). Held the managerial charge for three years, my performance in the branch remained out-standing. There was an increase of 105% in deposits; 120% in advances, Audit… Show more Mianwala Adda Branch. (1981) The first branch where in assigned with the job of Manager in year 1981 (at that time total experience of line banking was 2 years only and I was privileged as youngest manager of the Habib Bank Limited). The performance as manager had been up to the mark. Sunny Bank Branch, Murree. (1982-1985). Held the managerial charge for three years, my performance in the branch remained out-standing. There was an increase of 105% in deposits; 120% in advances, Audit Category remained ‘B’ throughout the posting, classified advances were reduced to NIL. At the event of my positing, the branch was running in loss, which during my posting was able to cover the deficit and started earning profit. Also earned Cash Prize for increase in deposits, under “We Keep The Lead Campaign”. Show less

Rawalpindi

Overall supervision of Bills & Remittances departments at Pindi Gheb Branch, Distt. Attock, Massy Gate, S.D.V. and Bank Road Branches at Rawalpindi. Also responsible for Accounts, Periodical Statements, MIS reporting, Advances portfolio, Audit and Compliance, Customer Handling, Correspondence and Staff Matters etc.

Attock / Rawalpindi

Front Line Supervisor of the CD & SB departments at Hazro Branch, Distt. Attock and District Council Branch, Rawalpindi. In addition to overall supervision of the Departments, also assigned with Account Opening, Customer Handling, Internal Audit, Compliance of Branch Audit, Reconciliation and entire correspondence of the branch.

Hbl Training Institute, Head Office Karachi

Six months on job training and orientation at the Habib Bank Training Institute, Karachi

Master Of Business Administration (M.B.A.), Master Of Business Administration (M B A), Management & M I S, Subjects; Functions Of Management,, Gpa 3.55

Bachelor Of Laws (Llb)

Certificate "Islamic Banking And Takaful"

Post Graduate Diploma (P G D) Business Administration,, Human Resource Management, Business Labour Law, Organizational Behaviour, Financial Accounting, Busi, Gpa 3.56 Silver Medal

Bachelor’S Degree, Biology/Biological Sciences, General, Second Division

Activities and Societies: General Secretary, English Society Vice President Bio-Chemistry Society General Secretary Mico-Biology Society