Head of Branches - SEVP

• Jan 2017 - Present

- Looks after 112 Branches- Total Staff 1200- Managing FUM of 110 Billion (Dep 80 Bill+Assets 30 Bill)- Core Job Role : People Management, Service Quality, Business Target achievement, Profit Target meeting.

Head of Branches, EVP

• Dec 2013 - Jan 2017

- Looks after 112 Branches- Total Staff 1200- Managing FUM of 110 Billion (Dep 80 Bill+Assets 30 Bill)- Core Job Role : People Management, Service Quality, Business Target achievement, Profit Target meeting.

Head of SME Banking - EVP

• Jul 2013 - Dec 2013

- Within 10 days of joining, launched Hit the Boundary Campaign with 2500 mio disbursement target.

Head of Small & Medium Enterprises - EVP

• 2012 - 2013

Entrusted to provide growth in Small and Medium sector portfolio of the Bank and recovering from a critical condition of existing asset quality.Highlights of the Key Initiatives as the Head of SME Division- Efficiently managed asset portfolio of over Tk. 50,000 mio (average ticket size is Tk. 8 lac) and deposit portfolio of Tk. 21,572 mio.- Overseen 140,000 SME Customer base (both Lending and Deposit).- Taken over 69 SME/Krishi Branches under SME Banking which used to be managed by Retail Bank Division.- 400+ SME Unit Offices with 1600+ CROs (Customer Relation Officers) deployed throughout the country.- Recruiting, staffing and mentoring the Human Resources is one of the major challenges.- Combining together with CRM (Credit Risk Management), and Collection, maintaining Regional Centers (ROC) of BRAC Bank Limited.- Restructured SME Business Team : formation of New Business wing and deposit acquiring team.- Integrating dedicated Collection Team for hard core collection; also assigned collection target for the Business Teams.- Managed over 2100 staff members.- Building competitive culture among the staff and created sublime appetite for success.• Managed SME Assets portfolio of 5,000 Million and Deposit of 2,000 Million. No. of Customers managed 1.2 Lac.• For the 1st time in BBL history, SME collection & recovery team won the Chairman’s Award of the Bank.• Total Asset Portfolio grew by 22% from 2011 and stood at 50,976 mio.• Medium Business had 139% disbursement growth from 2011.• Set up a niche unit ‘New Business’ for facilitating vehicle financing and other niche products like Distributor Finance. The division has seen outstanding growth with a portfolio of 4755 mio now.• Self funding increased from 30% to 44% through magnificent growth in deposit (over 103%) just by 1 year.• Non Funded Income for SME crossed the 1,000 mio mark. Show less

Head of Branch Banking - SVP

• 2009 - Feb 2012

• Managed the following as the Head of Branch Banking:Dimension ParticularsNo. of Customers 10 LacDeposit Portfolio 6,000 CroreAsset Portfolio 2,000 CroreNo. of Branches 147No. of Staff 1500+ • Developed Branch Banking as the Shared Distribution Network of the Bank to fulfill Bank’s strategy.• Served all business division of the Bank for :o Retail Business Growth (Asset/Liability/No. of Account/Forex/Pay Roll)o SME Business Growth (Assets/Liability/No. of Account/LC)o Corporate Business (Relationship Services)o Remittance Business (50% of total Remittance by BRAC Bank Limited)o Cash Management Business (IPO/Large Corporate Collection/Government Fees Collection)• The no. of Branches during this tenor rose from 56 to 147 in just 3 years. • Vastly experienced in conducting end to end process for Setting up New Branches across the country, like:o Site Selection for new branches (Rural and Urban)o Presenting to Steering Committee the proposed sites and getting approvalo Budget preparation for the New Brancho Designing the layout of the Brancho Recruiting and staffing the new Brancheso Launching and activating New Branches in coordination with Marketing Team• Key member of the RRBBM Project (Restructuring of Retail Banking Business Model), which is a unique Retail Business Model in Bangladesh.• Ensured delightful customer service from different segment across branches and SME Service Centers. ‘Joy of Banking’-a highly successful customer service theme was introduced during this period in Branches. Show less

Head of NFB and Secured VC

• 2008 - 2009

• Responsible to meet NFI target as well as achieve given target set by the management of Secured Loan and Mortgage (Home Loan Products)• Responsible for developing new Secured Loan & Mortgage products and services etc.• Identify the potential of the value centers and businesses, and aggressively meet the business target.

Head of Non Funded Business

• 2007 - 2008

• Responsible to meet NFI target of USD 6 million in a year time. The target of NFI (Non Funded Income) leads different products to move forward.• Identify the potential of TRS (Travel Related Services) business and make tie up with Travel agents and Air Lines aggressively and overcome the business target. • Partnering with IVAC (Indian Visa Fees Collection).

Cluster Head

• 2003 - 2007

- The Cluster Head of 7 Big Branches of Standard Chartered bank2007: Implementation of Saadiq, Islamic Financial Services- Additional to the role of Cluster Head, Standard Chartered Bank, Bangladesh, also set up and led the Islamic Banking Division of the Bank, Saadiq, in 2007. - Under the mentoring of Mr. Aafaq Khan, Global Head of Saadiq, Saadiq was launched in Bangladesh along with other 5 countries, which are, Pakistan, Bahrain, United Arab Emirates, Indonesia, and Malaysia. - Led the development and effective implementation of Saadiq deposit products (based on Mudaraba concept), loan products (based on Murabaha and Musharakah concept), and credit card (Riba free) across the country with a Saadiq branch at Gulshan of Dhaka city. - Worked in international project teams to implement the products as completely Shariah Compliant. - Also, developed the end to end process and infrastructure to sell the products across all channels of the country. - Recruited, trained, and deployed a number of staffs to make the initiative a success. - Marketed the concept in a number of arenas, which are, Group Consumer Bank, Regulators, and Media. - As a result, achieved profitability from the Division and made it an integrated part of the Bank. Show less

Branch Manager

• 1999 - 2003

Different entry level roles

• 1994 - 1999

- Head of Sales, Secured Loan - Sales Manager - Head of Sales, Secured Loan - Sales Manager