ASIF RIAZ

H # 549, Block G, ST 5, Phase 6, DHA, Lahore

Cell: 0321 8432482; E-Mail: asifriazlahore@gmail.com;

PURPOSE STATEMENT: Career banker having about 24 years of banking experience mainly in Mid-
Markets, SME Banking, Rural and Retail Banking. Carry extensive exposure of dealing with various business
segments, possess sound credit assessment and structuring skills, excellent communication and
presentation skills augmented by high energy level and proven ability to deliver and meet deadlines.

SKILLS AND EXPERIENCE

29 Nov 2019 The Bank of Punjab

To date SEVP/Group Head - Retail and Priority Sectors Lending, HO, Lahore
Develop and execute business plans and monitor growth and revenue targets
for SME Banking, Retail/Consumer Finance, Rural Banking and Government
Initiatives in line with bank’s overall business plan and strategic objectives.
Oversee various facets of retail ending group including development of product
programs, provide required enablers to the team, lead and manage team of
highly motivated staff across various departments and divisions reporting into
this position. To ensure portfolio quality through periodical monitoring and
compliance to bank’s laid down policies and procedures. Achieve satisfactory
audit and inspections ratings.

- Additional charge of Head Consumer and Digital Banking Group w.e.f July
01, 2020 till Sep 13,2020. Overseeing entire branches network, deposit
generation initiatives, employee banking, cash management, Alternate
Delivery Channels, G2P disbursement initiatives, Mobile App and a range of
other new initiatives.
22 Sep 2014 Habib Bank Limited, HOK, Karachi
To 28 Nov 2019 GM II-Head- Retail Lending / Head SME
Manage and grow Retail Lending portfolio across the distribution network and
achieve EBIT targets. Remedial Management of watch listed and classified portfolio
(SEs) to maximize cash recoveries/reduction in Retail NPLs. Management of Trade
Book of USD 1.0 Bn and Seasonal Lending Book covering different segments such as
Cotton Ginning, Rice Husking, Flour Mills, Daal mills and Oil Extraction Units.
 Achieve Profit & Loss and Volume targets of Retail lending business Preparing
and executing the budget and target allocation to field units
 Undertake monthly and quarterly business reviews to ensure performance
against targets and review strategy accordingly
 Exercise credit approval powers. Signatory to retail credit approvals to ensure
portfolio quality.
 Establish supply chain financing by finalizing alliances with Multinational
Corporations and Large Local Corporates.
 Roll out of KPIs of RMs, Hub Managers and Trade Manager and their
performance evaluation on a monthly frequency at country level.

1
  Hiring of right mix of lending staff for Retail Lending across the distribution
network.
 Organize credit control function and effectively monitor the total RL portfolio.
 Active coordination with all stakeholders involved in Retail/SME Lending
including Risk, Distribution, Operations to enable effective delivery and
implementation of Key objectives.
 Preparation of recovery plans and strategies to maximize NPL recoveries /
reduction. Proactive remedial management to keep NPLs under check and
achieve assigned targets thereof. Leading the collections drive for early
recovery of mark-up payments.
 Lead the development of Score Cards for Retail lending products.
 Spearhead research to explore avenues of portfolio growth by introducing Risk
Acceptance Criteria for different SME segments. To lead the new initiatives,
develop product program for SME clusters and system developments.
 Responsible for internal, external & Central bank Audit/Inspections.

Nov 2012 Allied Bank Limited, HOK, Lahore

To 19 Sep 2014 Group Head- Assets
Asset Group comprises of 3 divisions i.e Commercial Assets; Consumer
Finance and Agriculture Finance. All the three Divisional Heads report into
GH Assets.

 Responsible for targeted growth and management of CRBG’s Asset

book.
 Co-Signatory to credit approvals under various product programs
 Signatory to credit approvals on Loan Origination System (LOS), Level V
and above.
 Involved in hiring of relevant resources along with field reps and HRG.
 Involved in management of SBP Inspections, External Audits and Internal
Audits particularly related to Asset Group

Had additional charge of Group Head Liabilities & E–Banking from Nov 2012
to Nov 2013. During this additional role, I was involved in budgeting, target
setting/monitoring, KPIs/Score card setting of branches/regions, Branches
expansion plan, new product developments, ADC Channels and support, new
branchless initiatives such as Cards, CDMs, Internet banking etc.

Sep 2010 Allied Bank Limited, HOK, Lahore

To Oct 2012 Group Head- SME
 Formulated strategic and business plans for the growth of SME business.
Ensured targeted implementation of these plans through the field teams.
Provided product development and portfolio monitoring support to field
units and ensured maintenance of quality and high revenue generating
asset and liability portfolio within the SME Segment. Ensured placement
of quality human and infrastructural resources, customer satisfaction
and staff motivation through proactive management and team play.
Exercised discretionary approving powers as delegated under various

2
 SME Credit Programs.

Aug 2008 Habib Bank Limited, Lahore

To Aug 2010 SVP / DGM (Commercial & Retail Lending Group)

 Worked as key member of the Core Implementation Team responsible

for restructuring HBL’s Retail (Commercial) Lending business. The job
involved strategic planning, process re-engineering, structural re-
alignment, capacity building, and product development through close co-
ordination with Risk Management, IT & Systems, Credit Administration,
and HR. Some accomplishments included authoring of HBL’s first SME
Policy, roll-out of 4 new lending products, initiation and implementation
of the re-aligned delivery channel / structure for Retail Lending business.
 Also worked as Regional Business Head, responsible for Commercial
Banking / mid-markets business in the Lahore Region.

Oct 2007 ABN AMRO Bank (Pakistan) Ltd / Royal Bank of Scotland
To Aug 2008 Unit Head- Business Banking Commercial, North

Responsible for credit marketing and portfolio management of Northern

Region. The total funded and non-funded book size handled was Rs.6.0 billion
with a deposit base of more than Rs.1.5 billion and Trade Business of more
than Rs 7.0 billion.

May 2007 Unit Manager- Business Banking Commercial, Lahore

To Sep 2007
Responsible for credit marketing and portfolio management of major
branches
of Lahore. The total funded and non-funded book size handled was Rs.4.0
billion with a deposit base of more than Rs.500 million and Trade Business of
more than Rs 3.0 billion. JD mainly included:
 Solicitation of new business i.e. quality names to build up sound asset
base with focus on agents of major brands, import/export oriented and
stable companies with consistent performance and development of
existing portfolio (enhanced earnings / ROA and cross-sell products).
 Structure and Process loan approvals. Supervise preparation of
comprehensive credit line proposals, conducting in depth analysis/ risk
rating, financial & market position, technical capability of the
relationship.
 Presentation of credit proposals to Risk Office for approval. Monitoring
risk threshold by regularly evaluating and mitigating the risks associated
with portfolio and keeping the portfolio returns acceptable.
 Increase utilization of customers’ credit limits by offering personalized
service within acceptable turnaround time.

3
  Devise short term/long term accounts strategies. Negotiate pricing,
business volumes with clients.
 Analysis of the industry and obligor positioning in it. Closely monitor
industry trends & economic changes effecting clients’ positioning.
 Periodic business calls and continuous market checks for all accounts in
portfolio.
 Coordination with internal/external auditors, achieve satisfactory audit
rating & ensure implementation of audit recommendations.

June 2002 Group Vice President / Manager Credit Marketing Platform

To April 2007 Prime Commercial Bank Limited, Lahore

 Responsible for managing credit portfolio of major branches of Lahore.

 Supervised preparation of credit line proposals and their submission to
Credit Committee of the bank for approval. Negotiation with clients and
day-to-day matters. Analysis of the industry and counter party
positioning in it. Close monitoring of industry trends & economic
changes effecting clients’ risk evaluation.
 Responsible for maintaining and updating legal documentation. Making
business calls and continuous market checks for existing relationships.
Coordination with internal/external auditors and achieve satisfactory
audit rating.

January 2001 Head of CAD (Credit Administration Department)

To May 2002 Prime Commercial Bank Limited, Main Gulberg,
Lahore.

 Responsible for maintaining and updating legal documentation securing

the relationships. Responsible for disbursement of loans, feeding of
limits, application of markup rates, MIS reporting, liaison with lawyers,
surveyors, maintenance of record etc.

November 1996 Vice President, Internal Audit & Credit Risk Review
To Dec 2000 Prime Commercial Bank Limited, Head Office, Lahore

 Involved in review of credit portfolio of the bank with emphasis on

quality of lending, collateral and sufficiency of cash flows. Special
attention to observance of Prudential Regulations of State Bank and
other internal/external instructions.
 Review of Operations and Foreign Trade Business of the bank.
 Review of bank's treasury with emphasis on dealing room activities and
other funds management and investment activities
 Devised Branch Rating System and involved in annual rating of branches

 Involved in the preparation of Audit Manual, Resident Auditors working

manual and a SBP Checklist for the use of branches.
 Involved in reporting of exceptions to Division level as well as to the

4
 Audit Committee of the board
 Involved in State Bank Inspection related matters and compliance
thereof.
 Investigation of fraud/forgeries

June 1995 To State Bank of Pakistan, Central Directorate, Karachi

Nov 1996 Inspecting Officer
 Joined Banking Inspection Department of State Bank of Pakistan, Central
Directorate, Karachi after passing combined competitive examination of
Pakistan Banking and Finance Services Commission.

 Major Job requisites were Inspection of Commercial Banks, Review of quality

of their Assets, determining their health and extent of infected portfolio,
analysis of Write offs and Recovery efforts, checking of inter branch and
suspense accounts, measuring adequacy of capital after adjustments and to
Judge effectiveness of management and respective internal controls.

EDUCATION

1991-93 Quaid-i-Azam University, Islamabad, Pakistan

Master in Public Administration (MPA)

1988-90 University of Punjab, Lahore, Pakistan

Government College Lahore, Pakistan
Bachelor of Science

1986-88 Government College Lahore, Pakistan

Intermediate

1984-86 Government Central Model School Lahore, Pakistan

Matriculation

COURSES & SEMINAR

Attended various courses, seminars and local/international workshops on
different areas of Retail Banking, Financial Analysis, SME / Commercial and
Corporate Lending.

PERSONAL
Date of birth 28.02.1971
Nationality Pakistani
Marital status Married

REFERENCES Available on request

s