Md Ziaul Latif

• Supervised branch performance across multiple locations.
• Assist in achieving targets for loans, deposits, profitability, and key business indicators.
• Monitor credit quality, classified loans, and loan recovery performance.
• Ensure compliance with Bangladesh Bank regulations and internal policies.
• Support operational efficiency, internal controls, and customer service standards.
• Guide branch managers in business development and relationship management.
• Review branch performance and implement corrective action plans.
• Coordinate with head office and support units to resolve operational issues.
• Develop and coach branch teams to foster high-performance culture.
• Maintain relationships with key customers, regulators, and local stakeholders.

• Assisted in managing branch operations and monitoring business performance.
• Supported achievement of targets for loans, deposits, profitability, and recovery.
• Helped ensure credit quality compliance and risk management practices.
• Maintained customer service standards and operational control.
• Aided in developing and motivating staff to enhance team performance.
• Facilitated strengthening of relationships with key customers and local businesses.
• Coordinated with head office to assist in efficient branch operations.

Management -

· Lead a sixteen-member team toward establishing and communicating department goals and performance results to subordinates

· Staffing the department, training its employees and delegating work to meet senior management's expectations and the market's requirements

· Actively support employee growth through training, performance reviews, mentoring and coaching

· Manage relations with the Branches

Credit Operations -

· Develop and standardise written policy documentation related to the credit and customer set-up process

· Interface with the Branch to communicate credit decisions and ensure timely review of new customers

· Make credit decisions within assigned authority

· Plan and organise activities of the credit/customer set up team to ensure file reviews are completed in a timely/accurately

· Initiate process improvement and quality reviews to simplify and improve productivity

· Negotiate documentation and payment terms with customers to ensure transactions are properly secured

· Resolve credit issues with customers

· Develop management reporting

· Process improvement aligned with technological support

• Developed and executed retail banking strategy and annual business plans.
• Led 350+ direct sales team (assets & liabilities) to achieve business targets.
• Drove product development, campaigns, and market expansion initiatives.
• Improved operational efficiency through process re-engineering.
• Supervised the Service Quality Unit and ensured high customer service standards.
• Coordinated with branches and marketing for revenue growth.

• Launched and expanded AmEx commercial business in Bangladesh.
• Led 75-member sales team and achieved annual sales targets.
• Developed corporate client base while maintaining portfolio quality.

• Managed retail asset portfolio and sales strategy.
• Led 200-member sales force and drove product campaigns.
• Collaborated with team members to achieve target results.
• Managed complaints with calm, clear communication and problem-solving.
• Achieved service time and quality targets.

• Managed branch operations, compliance, and customer relationships.
• Led team performance and ensured achievement of business targets.

• Led 50-member sales team in SME (Medium) segment.
• Expanded business portfolio and ensured credit quality.
• Developed business plans to establish revenue and growth.
• Planned and developed winning strategies to increase sales, expand territories and boost market positioning.

• Managed client relationships, credit processes, and compliance.
• Created sales and marketing strategies to increase customer base and enhance sales.
• Generated new business by executing strategic campaigns and proactively cold calling customers.
• Boosted client satisfaction by monitoring and continuously improving service delivery.
• Used creativity, strategic thinking and knowledge of current market trends to target and build relationships with potential customers.
• Analysed financial statements and client portfolios to provide customised investment advice, enhancing client wealth.

• Handled credit analysis, documentation, and regulatory compliance.
• Submitted credit and loan applications to underwriters for verification and recommendations.
• Analysed customer financial statements and credit data to assess creditworthiness for loan approvals.
• Advised customers on best available loan products and credit options.
• Prepared monthly reports on credit activity, highlighting achievements and areas for improvement.