Experience

• 01 Sep 2001 - 31 Jul 2005 Assistant Manager, Finance |

  Standard Chartered Bank

• 01 Aug 2005 - 31 Oct 2008 Senior Manger, Products & Portfolio |

  Standard Chartered Bank

  • Successful rollout of transaction & other WM Products • Identification of new value propositions that can be converted into products to support growth in Wealth revenue • Analyze the performance and experience of the Transactional Products propositions and add or remove or amend existing feature as per need • Formulate and implement marketing strategies to retain existing product use and stimulate greater product sales • Run campaigns among customer /DSEs /FTEs to boost up liability sales • Increase income by understanding and modifying processes related to all product programs. These would vary from utilizing cost effective mediums of customer communications to making necessary process changes to offer improved features. • Make necessary improvements in the Debit card issuance process & deposit accounts service delivery processes from the product development perspective

• 15 Oct 2008 - 31 Jan 2014 Head of Customer Experience/Products/Liability |

  BRAC BANK

  • Responsible to deliver more than 80% annual revenue of Retail Banking • Launched the customer centric model for Retail Banking. Customers were divided into 4 (four) customer segments namely Premium Banking, Supreme Banking, Excel Banking & Easy Banking to ensure delightful banking experience with the Bank • Ensured successful rollout of Deposit & Lending products as per the need of the customers • Launched the Premium Banking services for high net-worth customers of BRAC Bank • Led the Customer Experience team which had 80 FTEs and 600+ Direct Sales Executives located across the country • Ensure branding & marketing activities are in line with country standard

• 01 Feb 2014 - 31 Jan 2015 Head of Branch Banking |

  BRAC Bank

  • Lead the Branch Banking team consists of 97 (Ninety seven) branches and 1200+ full time staff • Ensure delivery of annual business and financial targets • Ensure delightful customer service to different segment customers across branches • Develop Branch Banking strategic plan consistent with overall Bank’s strategy • Pro-actively analyzing and formulate pattern of customer's changing needs of financial services and suggesting ways to improve them • Restructure the Branch Banking Unit and redeploy resources to achieve maximum benefit from the structure • Ensure all risk within the Branch Banking business is minimized and systems are in place to monitor them • Ensure highest standards of corporate governance and of regulatory compliance in line with both Bank’s directives and regulatory requirements • Set, monitor and ensure progress is made towards quality targets across Branch Banking business in line with business strategies and competitor initiatives • Identify the shortcomings of branches and guide them to overcome the shortfalls

• 01 Feb 2015 - 30 Sep 2015 Head of Internal Control & Compliance |

  BRAC Bank PLC

  Led the group audit team consists of 70 (seventy) staffs. Responsible for annual audit of various divisions of the bank and 5 (five) subsidiaries of BRAC Bank such as bKash, biTS, BRAC EPL Investment Bank, BRAC EPSL brokerage and BRAC Saajan exchange house

• 01 Oct 2015 - 16 Sep 2018 Head of Retail Banking |

  Bank Asia

  • Lead and drive the Retail Banking team consists of 55 full time staff and 200 sales staff to achieve a significant growth while maximizing sustainable profit • Ensure delivery of annual business and financial targets • Ensure Credit policies and procedures for Auto, Mortgage & Home loan are market competitive and compliant with regulatory requirements • Ensure collection process are consistent, effective, efficient and best in class • Ensure reduction of delinquencies, bad debts to maximize bank earnings • Ensure highest standards of corporate governance and of regulatory compliance in line with both Bank’s directives and regulatory requirements

• 17 Sep 2018 - 12 Jan 2022 Head of Retail Banking |

  Meghna Bank PLC

  • Lead and drive the Retail Banking team consists of 57 Branches, Priority Banking Centers, Retail Product, Retail Loan & Deposit sales, Credit Card team to achieve a significant growth while maximizing sustainable profit • Drive Retail Loan (Home & Auto) & SME loans from Branches & Sales teams • Ensure delivery of annual business and financial targets • Ensure Credit policies and procedures for Auto, Mortgage & Home loan are market competitive and compliant with regulatory requirements • Ensure collection process are consistent, effective, efficient and best in class • Ensure reduction of delinquencies, bad debts to maximize bank earnings • Simplified Retail product sets and redesign core processes from customer point of view • Ensure Retail customers receive delightful customer experience. Emphasize on offering high service quality to differentiate offerings in the marketplace • Ensure highest standards of corporate governance and of regulatory compliance in line with both Bank’s directives and regulatory requirements