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Work Background
City BankAssociate Manager, Retail Loan, Credit & Collection
Aug. 2025Dhaka, BangladeshAs an Associate Manager, I oversaw retail loan portfolio management, focusing on credit risk assessment, regulatory compliance, and optimizing lending decisions.
• Assessed and underwrote retail credit applications (home loans, personal loans), ensuring compliance with City Bank's credit policies and Bangladesh Bank regulations.
• Conducted detailed income verification, financial analysis, and credit scoring to determine applicants' repayment capacity and overall risk exposure.
• Utilized financial models and data analytics to identify portfolio trends, default probabilities, and early warning signals for potential credit risks.
• Exercised independent credit judgment to approve, modify, or decline loan applications while maintaining portfolio quality and minimizing non-performing assets.
• Collaborated with risk management, compliance, and operations teams to enhance underwriting efficiency and strengthen internal control mechanisms.
• Prepared and presented credit assessment and risk evaluation reports to senior management and credit committees, supporting data-driven lending decisions.
MUNSHIResearch Analyst
Nov. 2022 - Jan. 2024Dhaka, Bangladesh- Develop Financial Models - Conduct in depth Financial Analysis - Conduct Trend Analysis - Manage Financial Reporting and analysis, ensuring compliance with regulations
- Conduct Data Analysis using SQL - Analyze Financial Statements
IFIC BANK PLCSenior Relationship Officer
Jan. 2022 - Jul. 2025Dhaka, BangladeshRole: I Develop and maintain strong relationships with high-net-worth individuals, businesses, and institutional clients.
- Client Engagement: Act as a trusted advisor, providing personalized financial advice and solutions to help clients achieve their goals.
- Business Development: Identify opportunities to expand the client base and generate new business through referrals and networking.
- Portfolio Management: Monitor and manage client portfolios, ensuring alignment with their risk tolerance and investment objectives.
- Cross-Selling: Collaborate with internal teams to cross-sell products and services, maximizing value for clients and the organization.
IFIC BANK PLCSenior Credit Analyst
Nov. 2019 - Jan. 2022Dhaka, Bangladesh- Developed forecasting tools to analyze revenue variance.
- Maintained and monitored the fund and equity investments.
- Created credit risk reports for clients.
- Created Credit proposals for new loans and renewals of existing Loans.
Universal Financial Solutions Ltd.Finance Analyst
Aug. 2018 - Nov. 2019Dhaka, Bangladesh- Maintained Portfolio Performance and Client Relationships.
- Provided Strategic forecasts.
- MS Excel input of historical financial data for listed companies.
CG Capital Markets, LLCFinancial Analyst
Jul. 2017 - Aug. 2018Malaysia- Listed and tracked company declarations.
- Assisted in Periodical Regulatory Disclosures for Existing Funds.
- Handled Cost and Benefit Analysis for Diverse Marketing Campaign Projects.
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