Experience

United Commercial Bank Limited

• Bangladesh
• Banking
• 700 & Above Employee

• Head of Special Assets Management Division and Senior Executive Vice President

  • Dec 2017 - Present

  Key highlights 1. Effectively manage total loan portfolio of BDT 7,120 crore which includes Early Alert, NPL & written-off accounts. 2. Successfully centralized recovery and legal activities of Special Assets Management Division (SAMD). 3. Significantly reduced NPL from 8.01% in Dec 16 to 2.97 % in Nov 20 (by 5.04%) 4. Successfully recovered BDT 1,278 crore from delinquent borrowers from year 2017 to 19. Job Descriptions 1. Participating in the formulation and executing business strategies as a member of the senior management team. 2. Reporting to the Managing Director and CEO, providing market insights and strategic suggestions. 3. Maintaining positive, trust-based relations with business partners, shareholders, and authorities. 4. Supervising, guiding, and delegating executives in their duties. 5. Ensuring company policies and legal guidelines are clearly communicated. 6. Overseeing delivery of legal services, resources to accomplish corporate goals, strategies and priorities 7. Centralizing court management activities to ensure efficient and effectiveness. 8. To set a clear vision before team members for motivating them to achieve the goal effectively. 9. Negotiate with customers for amicable settlement. 10. Maintaining positive, trust-based relations with business partners, shareholders, regulatory authorities and law enforcement agencies. 11. Guide to resolve critical issues by way of mutual understanding rather escalating. 12. Ensure error free transactions relating to loan classification, income recognition and provisioning. 13. Supervise the staffs’ skills through assigning in different projects and activities. 14. Find out the improvement area of down the line and suggest for improvement twice in a year. 15. Select successor and provide with necessary guidance for grooming and skill development. Show less



BRAC Bank PLC

• Bangladesh
• Banking
• 700 & Above Employee

• Head of Special Asset Management (Senior Executive Vice President)

  • Nov 2016 - May 2017

  1. Successfully managed SME portfolio of BDT 1,890 crore (for both regular, early alert & NPL) 2. Successfully disposed-off around 21,469 cases out of total 39,677 cases filed in various courts across Bangladesh from 2013 to 2017.3. Proactively contributed in bank's strategic intents for SME business growth through ideas, frequent customer visit, monitoring & played instrumental role as a member of SME credit committee4. Played a key role to reengineer and simplification of Operational process for smooth disbursement.5. Planned and set-up Regional Operations Center (ROC) towards SME business growth Show less

• Head of Operations & Special Asset Management (Senior Executive Vice President)

  • Feb 2013 - Oct 2016

  1. Continuously involve and contribute in Operations overall planning to support SME, Retail & Corporate business aligning with management expectation2. Plan and implement strategies across Operations round the year for contribution in BBL Profit Line3. Supervise to ensure error-free services delivery by all OPS & SAM Department. 4. Plan and initiate timely support to attain business & recovery target5. Monitored successful completion & execution of divisional and Bank level Projects6. Drive and initiate Compliance awareness across Operations and continuously guide them through mails and several group and skip level meeting.7. Supervise to ensure adequate trainings to all OPS (OPS & SAM) staffs to enhance job knowledge as well as to increase professional skills8. Proactively contribute in bank's strategic intents for current and upcoming Years9. Initiate total process review in Operations emphasizing on process re-engineering and simplification10. Drive and initiate for automation scopes in Operations throughout the year.11. Assigned to monitor to business expansion and recovery of 75 out of 300 SME unit offices as additional responsibilities. Show less

• Head of Operations (Executive Vice President)

  • Apr 2010 - Jan 2013

  1. Supervise to ensure timely and error-free services delivery by all OPS Departments.2. Plan and initiate for effective support to achieve business goal.3. Make contingency plans to ensure timely deliveries and increase staff efficiency.4. Ensure Smooth Western Union, Money Gram and all international exchange house transaction. 5. Supervise for timely delivery and implementation of operational & other Project.6. Drive and continuously guide for risk & audit compliance awareness across Operations.7. Ensure and supervise to set development plan for all OPS staffs and accordingly guide to arrange adequate trainings (External, In-house & On-the-job) Show less

• Head of Operations and Acting Head of Operational Risk Management (Senior Vice President)

  • Jan 2009 - Mar 2010

  1. Re-structuring of Operations departments along with staff alignment to ensure effective service delivery.2. Initiate and form Ops Focus Teams to emphasize on service quality, cost control, risk mitigation, audit compliance and people development and transaction monitoring & reconciliation. 3. Set a cross-functional back-up team to provide support in crisis time to concerned Operations units to enable meet business targets.4. Ensure smooth and timely implementation of BACH and EFTN as per central bank directives.5. Initiate and finalize various policies like BCP, procurement, risk management.6. Plan and implement several process automation and re-engineering to save cost and time for service delivery. 7. Introduced KRI & Transaction Audit Show less

• Head of Enterprise Risk Management (Vice President)

  • Jan 2008 - Dec 2008

  1. Set and define ERM policy and objectives to maximize earnings and maintain an optimum capital by keeping the key risks at an acceptable and controllable level.2. Chair Enterprise Risk Management Committee (ERMC) meetings and highlight the key risks (Credit, Market, Operational, Financial, Strategic and Reputation, Legal & Compliance risks) and level of control achieved.3. Capacity building & preparing for successful transition towards total compliance of BASEL-II requirements as per Central Bank road map.4. Develop process and strategy to collect risk information, identify, assess, analyze & prioritize key risks, and make suggestions for risk mitigation.5. Develop strategy for risk audit throughout the bank and initiate monitoring plan for control and risk mitigation. Show less

• Head of Asset Operation (Senior Asst. Vice President/First Asst. Vice President )

  • Jan 2004 - Dec 2007

  1. Instrumental in setting up of centralized loan / credit administration department in BRAC Bank (including centralized Trade Finance operations).2. Ensured timely and effective loan delivery process for the entire credit portfolio In 2007, processed around 120,000 loan applications to the tune of BDT 10,000 million for SME, Retail and Corporate business. 3. Managed SME loan repayments from 400+ distribution outlets across the country and handled around 360,000 repayment transactions annually.4. Initiated and developed a central archive and managed loan docs, files, and securities archiving; in 2007, more than 200,000 loan files archived.5. Supervised a team of 150 people in different geographical locations.6. Initiated and set up 4 Regional Operations Center (ROC) in Dhaka, Chittagong, Sylhet and Rajshahi to expedite the loan delivery and recovery process. Show less

• Head of Finance/Financial Administration (First Asst. Vice President /Asst. Vice President )

  • Feb 2002 - Dec 2003

  1. Led the centralization of financial administration department of the Bank.2. Initiated & prepared annual and long-term financial plans aligned with strategic business objectives.3. Overall supervision of Central Accounts Division including budgetary controls and tax compliance issues; also managed corporate tax and RJSC matters.4. Dealt with Bangladesh Bank matters regarding returns, licensing and other financial queries.5. Monitored and managed Bank’s Capital Adequacy, CRR & SLR requirements.6. Reviewed product profitability on a quarterly basis. Show less



Muslim Commercial Bank Limite

• Dhaka. Bangladesh

• Resident Auditor/In-charge Credit/Manager HR & Legal

  • Oct 1995 - Jan 2002

  1. Resident Audit Department - Prepared and executed audit policies as per local standards. - Conducted Branch audits & submitted compliance report to MCB Head Office. - Introduced Risk based internal audit 2. Credit Department - Financial data mining to forecast current/future investment/business strength to determine and monitor probable default borrower. - Coordinate & Monitor NPL Portfolio Performance analysis by using different tools and techniques, analyze proposal for interest waiver and escalate to supervisor for necessary approval, new account management (Early Alert) & day to day settlement - Prepared Credit Memorandum and obtained approval for corporate clients. - Ensured smooth disbursement, repayments and loan closing. - Market study and scoping to increase new customer acquisition. 3. Human Resource Department - Analyze HR requirements and complete recruitment process. - Assessed training needs and arranged adequate training. 4. Legal and compliance - Supervised legal affairs of the Bank to recover non-performing loans. - Ensured regulatory compliance across the Bank via preparation of internal circulars/memos. Show less



Howlader & Co

• United Kingdom
• Accounting
• 1 - 100 Employee

• Manager, Audit

  • Jan 1990 - Sep 1995

  1. Conducted audit and finalized balance sheet of more than 120 corporate bodies, Sector Corporations, NGOs and Donor Agencies which includes 20 banks of both local and foreign origin. 2. Worked as a key player in the Due Diligence Exercise (DDR) of The Oriental Bank Ltd and GSP Finance and Investment Ltd. 1. Conducted audit and finalized balance sheet of more than 120 corporate bodies, Sector Corporations, NGOs and Donor Agencies which includes 20 banks of both local and foreign origin. 2. Worked as a key player in the Due Diligence Exercise (DDR) of The Oriental Bank Ltd and GSP Finance and Investment Ltd.