Experience

United Commercial Bank Limited

• Bangladesh
• Banking
• 700 & Above Employee

• Executive Officer, SME Banking Division

  • Oct 2022 - Present

  # Dealing relevant call report, new proposal, procurement of new customers & communicate with SME(CRM) & Branches. # Keeping up liaison with respective Unit Heads/approval authority of UCB for approval of SME credit proposal and ensuring logistic support for SME Banking Division.# Working on Supply Chain financing on board process & liaison with clients till adjustment of deals.# Assess proposal to ascertain whether loan meets lending/refinance criteria and recommend or decline with rationale justification. # Assist branch for SME proposal i.e query management, Business procurement.# Identify business opportunity in various refinance scheme & programs. # Time to time review the decline proposal of SME(CRM). # Communicate the decline proposal with relevant Branches & Credit Analyst of SME(CRM) for further review. # Timely corrective action to be taken to address findings of any internal, external or regulator inspection/audit.# Monitoring the portfolio of Loans under CMSME segment to ensure the Proper Tracking and growth of the portfolio. # Collaboration & liaison between Bangladesh bank & other SME related institution like SME Foundation, Joyeeta Foundation etc.# Preparation and modification of existing Products, Policy & PPGs to compete present market aspect # Participation in various SME fair, SME related forum, training etc. # Have ensure all approval related procedures are completed. # Maintaining compliance with internal operational procedures and regulatory requirements and that all internal and external audit recommendations are implemented. Show less

• Executive Officer, CRMD

  • Mar 2019 - Sep 2022

  # Supervise the day-to-day capacity plan, forecasting and dynamic allocation and Recovery of resources, to ensure that adequate collection/Recovery resources are in place to execute collection strategies and deliver daily, weekly and monthly collection targets.# Accountable for SME collection team (UC to BL) on delinquent loan accounts in order to minimize credit losses and maximize recoveries. # Responsible for timely communication of collection and SAM strategies.# Responsible for understanding system parameter setting and confirming the accuracy of those settings for USIL portfolio of UCB PLC Bank.# Responsible for communicating and sharing team’s previous day’s performances in daily briefings with all team members.# Ensure full coverage of collection accounts as dictated by Retail & SME Banking strategies. # Segment and review of USIL portfolio to effectively monitoring and control the team operations.# Provide collection feedback to CRMD (Credit Administrative Management Division).# Ensure that control issues or gaps arising from internal Audits. Business Risk reviews, Regulatory reviews and collection QA reviews are performed and closed within the stipulated timelines.# Ensure legal resources and follow up litigation accounts where applicable.# Sharing feedback with CRM for credit risk management perspective.# Restructuring loans as per circular of Bangladesh bank. # Building relationships with other departments for getting effective support.# Seat with customers regularly for their repayment issues or settlement issues. # Visited customer & branch regularly for better collection results. Show less



Standard Chartered Bank

• United Kingdom
• Banking
• 700 & Above Employee

• Assistant Manager, SME & Secured

  • Feb 2018 - Mar 2019

  # Accountable for Auto Repossessions, Auction procedures & Legal initiations of (Auto, Mortgage and Loan Against Property) according to compliance of the Group Code of Conduct.# Deals with higher delinquent portfolios of Mortgage & Loan Against Property) to ensure mitigation of Provision budget & Loan Impairment.# Monitoring team members to achieve their set target.# Follow up on irregular customer in order to minimize credit losses and maximize recoveries.# Contributes to improve flow rates and reduce delinquency as per portfolio status.# Process Valuation of Mortgage property.# Process legal Notice of Home loan & Lap against property’s higher bucket borrower’s.# Process Auction procedure to keep our portfolio in good shape.# Maintain agency and provide valuation reports as per Group code of conduct.# Prepare Dispensation reports and make Audit reports as per Group guide lines.# Prepare reports and information’s for MIS.# Identify delinquency trend and risky segments.# Preparing monthly delinquent report for Top Management.# Attend the various types of customer queries about different banking products assuring highest level of customer satisfaction.# Built an engaged team & boost the team morale to create urge of performing at the optimum level. Show less

• Officer, Collections Secured

  • Mar 2014 - Mar 2018

  • Deals with higher-delinquent Auto Loan portfolios to ensure that the provisional budget and loan impairment is minimized.• Process repossessed vehicle and Mortgage property valuations in accordance with the group code of conduct. • Prepare Due Diligence report of Legal notice, Valuation reports & Auction process of Mortgage loans.• As per collection policy, initiates legal notice of mortgage loan and Loan against property's (LAP) higher delinquent accounts.• Initiate the Auction Process of Home loans & Money Suits against TPA loans that are defaulting on their EMIs.• Ensure that all necessary actions are completed in a timely manner in accordance with the collection manuals.• Make essential communication with customers via phone or physical visit.• Achieve yearly target of Gross charge off, PIP & IIP as per Group.• Prepare monthly dispensation report of Valuations, Legal & auction process of Mortgage loans.• Preparing monthly delinquent reports for Top Management.• Provide necessary report to Line Manager when required.• Initiates Auction notice & procedures of mortgage loans, published 130 auction notices during that period & minimize PIP portfolios. Show less

• Customer Care Associate

  • Jul 2012 - Feb 2014

  • Meeting GCO target of Secured portfolio(Auto Loan). • Leading Three contractual staffs of Secured portfolio.• Leading five team members of Agency for Repossess of Auto loan. • Developing process for ensuring efficient usage of collection procedures.• Arranging campaigns for C.S.A’s for motivating better collection.• Making Credit reports of Individual Customer’s for refinancing purpose• Monitoring Customer Service Advisor's to perform well.• Maintaining correspondence with Agency regarding auto repossess process.• Circulate MIS of Delinquent Accounts.• Total 120+ car repossess during the period's & successfully auctioned 75+ vehicle's. Show less

• Customer Service Advisor

  • Dec 2009 - Jul 2012

  * Minimizing Delinquency and Non-Performing Loans of Consumer Banking.* Designing, Implementing Collection campaigns for CSA's and ensure achieving the set target.* Ensure to meet group target of PIP & IIP for ensuring the desired profitability. * Communicating with delinquent clients through visit & over phone to ensure debt realization.* Act as a team player, guide and lead junior CSA's to attain the product wise recovery target.* Lead Repossession Team of Auto loan for minimize loss of Auto loan Portfolios & group target of PIP & IIP. * Initiates Auction procedures of Auto loan for minimize loss. * Maintain & Follow up agency for make sure smooth operations of Auto Repossessions process.* Ensure proper documentation of Auction related activities and communicate this information to agency. Show less