Experience

CPBank

• Cambodia
• Banking
• 1 - 100 Employee

• Deputy Chief Executive Officer (Business & Operations)

  • Oct 2022 - Present

  Phnom Penh, Cambodia Responsible for overall Business and Operations of the Bank.

• Deputy Chief Executive Officer (Risk, Operation, Technology, Audit & Compliance)

  • Jul 2020 - Sep 2022

  Phnom Penh, Cambodia Responsible for Risk, Operations and Information Technology management of the Bank.

• Chief Risk Officer

  • Jan 2018 - Jun 2020

  Phnom Penh, Cambodia Overall risk management of the Bank including, Credit, Operational, market, liquidity and IT security. Having the role of Chairperson for Credit Committee and Operational Risk Management Committee and also the member of Executive Committee, Business Development Committee, Asset and Liability Committee, IT Steering Committee.



Fullerton Financial Holdings

• Financial Services
• 1 - 100 Employee

• Integrated Risk Management

  • Oct 2013 - Present

  Singapore



Mekong Development Bank

• Deputy CEO & Chief Risk Officer

  • Oct 2013 - Apr 2014

  ho chi minh city, vietnam Manage overall risk functions of the Bank which includes Credit Risk, Market Risk and Operational Risk. Member of Executive Board, Credit Committee, ALCO and RMC.



City Bank

• Bangladesh
• Banking
• 700 & Above Employee

• Executive Vice President, Head of Credit & Collection, Retail & Small Business

  • Jan 2012 - Oct 2013

  Gulshan, Dhaka Responsibity includes overall management of Retail and Small business portfolio credit cycle starting from underwriting to Collection.



BRAC Bank PLC

• Bangladesh
• Banking
• 700 & Above Employee

• Senior Vice President and Head of Credit & Collection, SME & Retail

  • Jun 2009 - Dec 2011

  Dhaka, Bangladesh • Managing the Bank's Retail and SME asset portfolio of US$ 850 million with a team of 700+ members where responsibility diversifies in the area of Credit, Policy & MIS, Collection, Fraud & Authorization, and Verification. This portfolio is distributed under a distribution network of 572 outlets across the country. • This includes the management of full range of Asset products of Retail and SME Banking starting from Credit underwriting, Delinquency management, Fraud and Authorization… Show more • Managing the Bank's Retail and SME asset portfolio of US$ 850 million with a team of 700+ members where responsibility diversifies in the area of Credit, Policy & MIS, Collection, Fraud & Authorization, and Verification. This portfolio is distributed under a distribution network of 572 outlets across the country. • This includes the management of full range of Asset products of Retail and SME Banking starting from Credit underwriting, Delinquency management, Fraud and Authorization management, Operational risk management to Bad Debt management. • Responsibility provided to Centralize the SME Credit & Collection function for better control on the portfolio. • Monitor legal and regulatory developments along with local and national economic indicators, which impact risk and lending policies and ensure compliance with legal and regulatory requirements. • Create, cultivate and maintain a compliance culture across the board. • Ensure budgets, forecasts and variances along with the responsibility of early warning advice to senior management of any unforeseen portfolio risks. • Effectively manage the Credit underwriting, Policy & MIS, Verification, Fraud Control and collection process of SME & Retail portfolio. • Responsible for overall cost management of SME & Retail Credit & Collection function. • Setup credit information systems and reporting requirements to measure, forecast & monitor portfolio performance

• Vice President and Head of Retail Credit & Collection

  • Jan 2009 - May 2009

  Dhaka, Bnagladesh Managed the full credit cycle of Retail Credit Risk Management which includes credit underwriting for full range of Consumer product including personal loan, auto loan, mortgage loan, credit card, loan against securities and business installment loan. Responsibility includes the Collection management, Fraud and Authorization management along with the verification management. Involved with business and IT in product development, enhancements and implementation of new products, systems… Show more Managed the full credit cycle of Retail Credit Risk Management which includes credit underwriting for full range of Consumer product including personal loan, auto loan, mortgage loan, credit card, loan against securities and business installment loan. Responsibility includes the Collection management, Fraud and Authorization management along with the verification management. Involved with business and IT in product development, enhancements and implementation of new products, systems. Introduced and developed Retail Credit Policy, resturctured the whole collection unit towards the productivity enhancement and achieved the improvement within 4 months of operation.



DS Limited, UK

• Chief Business Executive

  • May 2008 - Dec 2008

  Leeds, United Kingdom Resposibility includes • Establishing a new business entity where the services will be in the area of property management, money transfer and travel. • Overall strategy, products development, set up the whole operations and onward operation. • Develop and implement the process and policy to establish the business. • Establish partnership and development of relationship in terms of services with related business stake holders.



Standard Chartered Bank

• United Kingdom
• Banking
• 700 & Above Employee

• Cluster Head of Collections, Nothern Gulf and Levant(Bahrain, Qatar, Jordan & Lebanon)

  • Jun 2007 - Apr 2008

  Bahrain Managed and maintained a diversified full range of consumer products of delinquent portfolio of US$100million of approximately US$ 1 billion asset with support from 90 staff members along with 4 outsource collections and recovery agencies, 5 legal agencies and eight valuation agencies for four countries operations in Bahrain, Qatar, Jordan and Lebanon. Responsibility covers from managing the Debt charge amount along with the recovery to delinquency for full range of consumer bank products along… Show more Managed and maintained a diversified full range of consumer products of delinquent portfolio of US$100million of approximately US$ 1 billion asset with support from 90 staff members along with 4 outsource collections and recovery agencies, 5 legal agencies and eight valuation agencies for four countries operations in Bahrain, Qatar, Jordan and Lebanon. Responsibility covers from managing the Debt charge amount along with the recovery to delinquency for full range of consumer bank products along with the overall operations of collections function of four countries including management of Collection & Recovery, Fraud Control, Legal and agency Management System, Budget, forecast and monitor costs for Consumer Banking operations. Achievements : Centralized management of the four countries collections operations and achieved an overall debt charge 9% below budget for all four countries ( total net debt charge was US$ 8.8 million against a budget of US$ 9.7 million) for 2007.

• Head of Collections, Bahrain

  • Dec 2006 - May 2007

  Bahrain Managed and maintained a diversified full range of consumer products' delinquent portfolio of US$ 50 million of total asset of US$ 485 million with 31 numbers of staff members. Enhanced the team performance by 20% deploying ESAU performance management model cost effectively. Daily performance and Portfolio monitoring system was introduced for better control of the collections performance. Major delinquency improvement achieved for credit card which was decreased to 4% from 9% within 6 months… Show more Managed and maintained a diversified full range of consumer products' delinquent portfolio of US$ 50 million of total asset of US$ 485 million with 31 numbers of staff members. Enhanced the team performance by 20% deploying ESAU performance management model cost effectively. Daily performance and Portfolio monitoring system was introduced for better control of the collections performance. Major delinquency improvement achieved for credit card which was decreased to 4% from 9% within 6 months timeframe without incurring any extra cost. Exercise adequate control over the collections team in terms of: Capacity Planning, Recruitment and Training, Productivity, Resolution, Account Coverage. An added responsibility of management of operational risk issues for the credit and collections unit as a unit Operational Risk Manager (UORM). Managing the Credit Reference Bureau (CRB) relationship and representing in the Group Credit Bureau Specialist forum for Bahrain.

• Credit Manager, Bahrain

  • Dec 2004 - Nov 2006

  Bahrain Managed the credit underwriting for full range of Consumer product including personal loan, auto loan, mortgage loan, credit card, loan against investment and business installment loan. Initiatives taken to improve the turn around time (TAT) for each product and to ensure timely approval. Initiatives taken to Implement the Credit Bureau. Actively participate in the score card development for credit card and its implementation. Implement error feedback through monthly report for application… Show more Managed the credit underwriting for full range of Consumer product including personal loan, auto loan, mortgage loan, credit card, loan against investment and business installment loan. Initiatives taken to improve the turn around time (TAT) for each product and to ensure timely approval. Initiatives taken to Implement the Credit Bureau. Actively participate in the score card development for credit card and its implementation. Implement error feedback through monthly report for application tracking to improve business objectives. Involved with business and IT in product development, enhancements and implementation of new products, systems in line with Group guidelines and local practice. Provide timely management information analysis and in depth statistical reports. Initiative taken to automate the credit processing and proactively participated in the document workflow process (Omni flow) implementation which improved the all product TAT cost effectively.

• Collections Manager, Bangladesh

  • Apr 2002 - Nov 2004

  Collection Unit was developed with new structure and strategy. Recourses personnel were trained internally to make them excellent performer. In house training on different products, collection strategy had arranged for all outsourced staffs of Collection Unit. Ensured monthly MIS analyzed the portfolio and feedback on market. Established target and performance based commission structure in Collection unit by implementing ESAU Model to ensure target performance. Increased Collection efficiency… Show more Collection Unit was developed with new structure and strategy. Recourses personnel were trained internally to make them excellent performer. In house training on different products, collection strategy had arranged for all outsourced staffs of Collection Unit. Ensured monthly MIS analyzed the portfolio and feedback on market. Established target and performance based commission structure in Collection unit by implementing ESAU Model to ensure target performance. Increased Collection efficiency by 30% for a large number of customer base with limited recourse and managed the delinquency as per Product development document. Key role-played in alignment of the Product code of all Asset products. Efficiently managed a large team of 65 staff including Collection Agents and Collectors to achieve the targets. D’Collectometer rolls out in Collection to ensure portfolio tracking on regular basis. Introduced monthly credit card Fraud Awareness bulletin “ARMOR”.

• Officer Collections

  • Apr 2001 - Mar 2002

  Managed the delinquent customer base of the Bank. Manage outsource agency including the legal agency. Maximize recovery and managed the delinquency of asset products of the banks assets deploying the legal agency as well as personal visit and meeting the borrower. In addition to pursuing the Consumer Bank cases in the court, also tried proactively to settle the matters with Manager Legal Support and the lawyers. Managed the total impaired assets portfolio with efficiently motivated team of 25… Show more Managed the delinquent customer base of the Bank. Manage outsource agency including the legal agency. Maximize recovery and managed the delinquency of asset products of the banks assets deploying the legal agency as well as personal visit and meeting the borrower. In addition to pursuing the Consumer Bank cases in the court, also tried proactively to settle the matters with Manager Legal Support and the lawyers. Managed the total impaired assets portfolio with efficiently motivated team of 25 people (Collection Agents and Collectors) to achieve the targets during the period.



ANZ

• Australia
• Banking
• 700 & Above Employee

• Officer Impaired Assets, Bangladesh

  • Nov 1999 - Mar 2001

  Managed the highly delinquent customer base of the Bank. Manage outsource agency including the legal agency. Maximize recovery of the banks assets deploying the legal agency as well as personal visit and meeting the borrower. In addition to pursuing the Consumer Bank cases in the court, also tried proactively to settle the matters with Manager Legal Support and the lawyers. Managed the total impaired assets portfolio with efficiently motivated team of 15 people (Collection Agents and… Show more Managed the highly delinquent customer base of the Bank. Manage outsource agency including the legal agency. Maximize recovery of the banks assets deploying the legal agency as well as personal visit and meeting the borrower. In addition to pursuing the Consumer Bank cases in the court, also tried proactively to settle the matters with Manager Legal Support and the lawyers. Managed the total impaired assets portfolio with efficiently motivated team of 15 people (Collection Agents and Collectors) to achieve the targets during the period.

• customer service officer

  • Feb 1996 - Oct 1999

  Maintain high-level customer service for a variety of large customer base. Day to day operation of the branch banking including the Cash, Foreign exchange service and priority services.



Abul Khair Group

• Bangladesh
• Consumer Goods
• 700 & Above Employee

• Marketing Executive

  • Jan 1995 - Jan 1996

  Worked as Territory Marketing Executive for KarwanBazar Zone (1/3 of Dhaka City) and was responsible for overall marketing and sales manager for the group's products specially for the Starship Condense milk. Introduced the product and achieved 40% market share within 3 months. Responsibilty also covers oveall planning, sales, distribution and marketing of the products.