• Responsible to develop and manage credit portfolio with key emphasis on assets base growth, trade, deposit and cross sell.• To develop and foster business with responsibility to manage, motivate and develop teams to deliver the results.• Maintain and improve quality of the portfolio while meet /exceeds the budget for revenue and profitability.• Formulate and develop business strategies to maintain the key banker by offering the complete product suit.• Identify the sign of deterioration and investigate the cause of stress in portfolio.• Proactively manage Early Alert Accounts (EAR) and implement remedial strategies.• Ensure Portfolio review/ audit results in acceptable ratings.

• Leaded the business team for advances portfolio integration of HBZ Plaza and Main Branch• Maintenance of commercial & SME relations, with assistance of Relationship Managers• Identification, soliciting and acquiring new commercial/SME clients in line with approved strategies for Assets & Trade sales, while keeping the existing clientele regular.• Being a senior representative, managing a team of Relationship Managers setting and measuring the annual targets, coupled with professional advice, guidance, training and motivation to enhance their potential and capabilities to hold higher responsibilities, and conduct their performance reviews.• Follow-up with NPL’s related customer for regularization and to get maximum cash recoveries.• Keep abreast of the prevailing market conditions, bank policies or guidelines and regulatory requirements of credit risk management and ensure compliance thereof.• Identify cross sell opportunities for bank’s other products and services to the existing relationships and potential ones.• Regular visits to clients for both monitoring and business generation purposes.• Compliance with internal audit requirements in line with the policy guidelines, to ensure high standards of uniformity and consistency across the Bank

Business Unit Manager/Team Leader(SMEC)-Main Branch• Advances portfolio of Rs. 2.2Bln(Funded and Non Funded)• Trade business of Rs.2-2.5 Bln p.a.• Manage business team of three RM’s.Account Manager /Senior Relationship Manager(SMEC)-New Challi Branch• Raised advances portfolio to Rs.950M from 330M with annual trade business of Rs.1-1.3 Bln. • Grew deposit of the branch from Rs.600M to 1.8Bln.• Zero NPL.• Review and structure credit package for existing and potential customers.• Follow ups and regular meeting with the customers to ensure excellent service delivery.Foreign Trade Manager- Head Office CPU• Supervision of import payments and documents scrutiny.• Supervision and monitoring of trade loans.• Liaison with central Bank.

Started my career from PICIC Commercial Bank Ltd as an officer:• Procure new customers for advances and trade business.• Raised credit proposals complete with financial and non-financial analysis.• Monitored daily exposures and margin requirements of credit and trade finance facilities.• Coordination with legal and valuation experts for opinions to mitigate risk for the credit facility extended.• Preparing Credit portfolio reports for head office.• Maintaining security position including stock/receivables/cash collateral/mortgages etc.• Keeping liaison with regional office and credit division at head office.