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Ambitious senior banker with 28 years of progressive experience in the banking sector. Possess great skills in the areas of credit, SME & Commercial segments, and people management. Adept at working to efficiently achieve organizational goals in both, group and independent environments. 


Apr 1997Jun 1999

MBA (Finance)

Institute of Business Administration Karachi
Mar 1985Aug 1987


Canadian School of Management

Jan 1983Dec 1984


SM Commerce College Karachi

Work experience

Dec 2002Present

Askari Bank Ltd.

Lead and manage SME & commercial teams to achieve business targets assigned to them. Responsible for organizing and directing the credit lending. Identify opportunities to increase credit volume to achieve defined credit growth objectives. Map credit plan with respect to business development strategy and ensure compliance of budgeted targets. Ensure to book quality assets to earn sustainable and competitive return based on thorough analysis and research. To review existing portfolio (Rs. 25 billion)/ relationships (total 124), business performance and reciprocity, turnovers and requirement of the customers. Monitor asset portfolio to ensure proper utilization of credit lines, regularization of overdue and watchlist accounts, inspection of pledged stocks and timely recovery of markup. Visiting customers for business and renewal of facilities /referrals. No. of staff reporting: 11. Also worked in the role of Area Credit Officer (ACO) and approved various credit lines under the discretionary powers of AOCC. Role was also responsible for carrying out critical analysis of credit proposals, including financial analysis, customer past track record vis-a-vis business routed.

Jan 2002Mar 2002

Habib Bank AG Zurich

Worked as RM and managed relationship of medium and corporate clients. Duties included visiting old and new clients and marketing new customers, preparation of credit proposals etc. Ensure timely submission of various monthly and quarterly returns to Head office. Issuance of local and foreign guarantees. Safe-in and safe-out of securities/ documentation.

Dec 1991Sep 2001

Standard Chartered Bank

Worked as RM to manage a portfolio of credit clients in ANZ Grindlays Bank until its acquisition by Standard Chartered Bank. Job description included visiting old and new customers, maintaining close relationship with high net-worth individuals, preparation of credit proposals, approving credit lines under my sole discretionary powers of Rs.1.0M. Ensuring submission of monthly and quarterly returns to competent authority. Attended numerous training courses on credit, foreign trade and management. 

Dec 1987Dec 1991

Credit Agricole Indosuez

Worked as credit officer to market new clients and carry out financial analysis of statements submitted by clients, issuance of guarantees, preparation of credit proposals and presenting in Head office credit committee.