Firoze Mahmod
Jumairah Sand Dune, Flat-C7 (7th Floor), 113/115, 1 No Joy Nagar R/A, Chawkbazar, Chattogram
Summary
Dynamic and results-driven banking professional with over 16 years of experience in retail banking, specializing in employee banking and the development of robust, profitable portfolios. Proven expertise in strategic planning, operational efficiency, and enhancing customer experiences, complemented by a strong ability to build lasting relationships with developers and auto loan vendors. Demonstrated track record of consistently increasing revenues and market share while ensuring operational excellence through innovative strategies. Committed to fostering team collaboration and adapting to evolving market needs, driving performance and growth in high-energy environments.
Overview
17
17
years of professional experience
Work History
FAVP & Head of Retail Sales Unit:9 Chattogram and outskirts
BRAC Bank PLC.
Chattogram
01.2023 - Current
- Develop and implement different plans & strategies to achieve annual target of Chittagong.
- Assist in formulating strategies for organization’s Deposit, Home, Auto loan, Personal loan & Credit card financing business portfolio with the aim to profitability grew new business and market share.
- Designed & implemented the growth strategy of current account & saving account of the bank.
- Created a niche market by introducing mid-segment client base which has great impact on business.
- Developed Service level agreement with the stakeholders & streamlined customers’ due diligence.
- Distributing tasks among 35 people on the sales team, monitoring, mentoring & evaluating performance.
- Ensure coordination & smooth process of business division, operational division credit administration, credit risk management for smooth approval and disbursement.
- Monitoring &/or controlling sales standards & safeguarding the bank from any potential loss by assessing risk.
- Assessing periodical Business (Loan disbursement and deposit Target) to achieve final target.
- Maintain good relationships with developers and vendors as well as corporate house.
- Negotiating and managing contracts, developing new business opportunities whenever possible.
- Overdue case analysis, assist in collecting overdue & taking action against delinquent clients.
- Follow up legal team for smooth valuation and urgent legal opinion report for mortgage issues.
Relationship Manager (PO) (SME Banking)
Eastern Bank PLC.
10.2015 - 05.2016
- Achieving periodical Business (Loan Disbursement and deposit Target) by leading the team.
- Handled a portfolio of BDT 11 crore, 20 customers’ acquisition, 15 crore loan disbursement.
- Directing and managing the sales team (Loan officers & sales executives) to acquire new business and maintain the existing portfolio to achieve periodical target.
- Website: www.ebl.com.bd
Assistant Manager (Retail Division)
Lankabangla Finance PLC.
10.2014 - 09.2015
- Achieved Departmental proficiency Award for the period of January to June 2015.
- Wining Campaign Malaysia in 2015 & Thailand in 2014 for Best Relationship Manager Branch Level.
- Recognized for achieving half yearly target 300% in Lankabangla finance Ltd.
- Website: www.lankabangla.com
Senior Officer
IDLC Finance PLC.
07.2013 - 10.2014
- Acting Sales Team Manager (Acting) of Consumer Division & monitored the teamwork to achieve goal.
- Disbursed BDT 150 million products consist with home loan & car loan in 2013 & became nationally first.
- Individual best performer in 2014 for achieving BDT 130 million target in first two quarters.
- Disbursed 48 Nos of Home loan worth of BDT 42 crore & 30 Units of Car loan worth of BDT 7.5 crore.
- Became the Best sales team manager in 2013 & the Best Relationship officer in 2012.
- Website: www.idlc.com
Relationship Officer
HSBC
03.2009 - 12.2011
- Member of HSBC ten million Clubs achieved highest disbursement record home loan since 2010.
- Handled Priority Banking, brought funds of BDT 20 crore & home loan 30-unit worth of BDT 20 crore.
- Open new CASA and booking personal loan, Auto loan & booking HSBC Select Client.
- Onboard new CEPS & Auto pay company.
- Booking NRB client highly focuses on mariner segment.
- Website: www.hsbc.com.bd
Education
BSS - Sociology
National University
01-2007
HSC - Humanities
Noakhali Govt. College
01-2001
SSC - Science
Lowrence High School
01-1999
MBA - Marketing
Independent University
ChittagongSkills
- Business strategy formulation
- Innovative thinking
- Flexible leadership approach
- Business requirements analysis
- Informed decision-making
- Customer Service
- Service level agreement
- Regional Business Management
- Property Developer & Auto Vendor Relationship Management
Language
Fluent in Bangla
Fluent in English
Custom Section
42, 306 Crore, 1.80%, 90 Crore (CASA- 95%), 33, PHP Group, KDS Group, TK Group, Kadena Sports (A Type RMG), Hemple Rhee (A Type RMG), SS Power, Frobel Academy (BSRM)
Websites, Portfolios and Profiles
Firoze Mahmod
References
- Mr. Tanvir Shahriar Rimon, CEO, RANCON (Real estate & Sea Fishing), (+88) 01964303030, rimon@rancon.com.bd, Tanvir Shahriar Rimon
- Md. Monirul Islam Rony, Head of Retail Business, IPDC Finance PLC, (+88) 01819810001, monirul.islam@Ipdcbd.com
Training
- Empathy Leadership Training
- Basic Banking Operations Training
- Professional Salesmanship of 21st Century
- Business Etiquette & Professionalism
- Sales Excellence
- Credit risk management & Debt recovery
- Insane Selling Skills
- Microsoft Excel
- Negotiation Excellence
- Received more than 10 training courses on different hard skills & soft skills from HSBC bank.
Current Portfolio Data
# Size of the Team: 42
# Asset Book- 306 Crore
# NPL Ratio- 1.80%
# Deposit Book- 90 Crore (CASA- 95%)
# No of On-Boarded Employee Relationships- 33
# Handled Clients- PHP Group, KDS Group, TK Group, Kadena Sports (A Type RMG), Hemple Rhee (A Type RMG), SS Power, Frobel Academy (BSRM).
Timeline
FAVP & Head of Retail Sales Unit:9 Chattogram and outskirts
BRAC Bank PLC.
01.2023 - Current
Relationship Manager (PO) (SME Banking)
Eastern Bank PLC.
10.2015 - 05.2016
Assistant Manager (Retail Division)
Lankabangla Finance PLC.
10.2014 - 09.2015
Senior Officer
IDLC Finance PLC.
07.2013 - 10.2014
Relationship Officer
HSBC
03.2009 - 12.2011
BSS - Sociology
National University
HSC - Humanities
Noakhali Govt. College
SSC - Science
Lowrence High School
MBA - Marketing
Independent University