Open to opportunities

Aim Zone

@aimzone

Message

Experienced relationship manager specializing in retail banking, collections, and credit.

Bangladesh

Message

What I'm looking for

I seek a responsible role in a dynamic bank where I can expand retail relationships, lead collections, strengthen credit controls, and contribute to business growth within a compliant, team-oriented culture.

I am an experienced banking professional with a strong track record in retail relationship management, SME collections, asset operations, underwriting processes and MIS. Over 17 years I have driven business growth, managed delinquent portfolios, supervised collection teams and supported credit appraisal and post-disbursement reviews to mitigate risk.

I combine hands-on collections and relationship skills with operational knowledge of credit documentation, MIS processes and regulatory compliance, and I am proficient with Microsoft Word, Excel and PowerPoint. I am motivated to contribute to a dynamic financial institution by improving recoveries, expanding retail relationships and ensuring sound credit practices.

Experience

Work history, roles, and key accomplishments

Relationship Manager

The City Bank Limited

Jul 2018 - Sep 2024 (6 years 2 months)

Generated new retail business and referrals, developed growth strategies, and managed customer relationships resulting in sustained portfolio growth while ensuring compliance with credit and regulatory guidelines.

Retail Banking Client Acquisition Financial Statement Analysis Relationship Management & Compliance Sales Pipeline Management

Officer, Underwriting & MIS

The City Bank Limited

Sep 2017 - Jul 2018 (10 months)

Managed CIB generation, CPV monitoring and BEFTN processing while preparing and maintaining MIS reports to support underwriting operations and data accuracy.

Underwriting CIB Processing CPV Monitoring BEFTN Query Resolution Banking Operations

Officer, Asset Operation

The City Bank Limited

Jan 2016 - Feb 2017 (1 year 1 month)

Reviewed pre- and post-disbursement loan documentation for secured and unsecured loans, managed ECM checks and resolved file discrepancies to mitigate documentation risk.

Loan Documentation Post Disbursement Review Pre Disbursement Review Risk Mitigation Charge Stamping

SME Collection Officer

The City Bank Limited

Nov 2013 - Jan 2016 (2 years 2 months)

Supervised an 8-person collections team, allocated delinquent portfolios, prepared delinquency reports and payoff/waiver proposals, and coordinated third-party agency monitoring to improve recoveries.

Collections Management Team Supervision Delinquency Reporting Restructuring Proposals Agency Management Performance Monitoring

Collection Executive

The City Bank Limited

Nov 2009 - Nov 2013 (3 years 11 months)

Managed follow-up with delinquent customers to minimize credit losses and maximize recoveries while identifying delinquency trends and contributing to improved collection techniques.

Delinquency Customer Service Reporting

Customer Service Advisor

Standard Chartered Bank

Mar 2007 - Oct 2009 (2 years 7 months)

Performed collections and loss mitigation for business and auto loans, improved customer service policies, and maintained a 98% account retention through effective relationship management.

Loss Mitigation Customer Service Customer Retention Reporting

Monitoring Officer

Dhaka Bank Ltd.

Sep 2005 - Feb 2007 (1 year 5 months)

Monitored client relationships, negotiated repayments with delinquent customers, identified risky segments, and prepared monthly collection reports for management action.

Reporting Collections Communication