Sheikh Shahriar Amin

1. Planning & Strategy:

i. Developing strategic plan and drive critical initiatives with business & functions with periodic review

ii. Preparing “Strategic Plan” for a period of 5 years in accordance with “Risk Management Guideline for Banks” issued by the central bank to ensure the substantial growth as well as to lead the bank in an efficient and logical way

iii. Provide support to develop new business verticals, undertake strategic initiatives and drive business performance management

iv. Engage with business partners to ensure critical strategic decisions are well articulated and project dependencies are clearly defined and communicated with all the stakeholders

v. Conducting research on capabilities & processes of best-in-class competitors and migrate best practices to improve efficiency and productivity

vi. Revisit existing policies & procedures of different functional departments of the bank and review those including PPGs of retail & SME segments on periodic manner and as and when required

2. Process Re-engineering:

i. Coordinate and supervise different projects including Robotic Process Automation (RPA), Loan Originating Systems (LOS) etc. in collaboration with ICT, BIS and respective functioning units with a focus to get rid of manual and hectic processes in different functional areas of the bank as well as increasing digital footprint

ii. Working in automation of capturing and tracking of different types of deferrals such as approval conditions, financial/ non-financial covenants, mortgage/ TPA, Pari Passu/ charge creation etc. in collaboration with CRM, CAD & respective Business Units

iii. Review and recommend changes in business/ operational processes to improve turnaround time and customer satisfaction

3. Governance:

i. Supervision & coordination of different meetings/ process of cross functional departments to resolve issues/ concerning matters that make the processes delayed

ii. Develop & implement the “Risk Control Self-Assessment” (RCSA) tool for various department of the Bank

iii. Review quarterly activity reports of all departments/ divisions and collate the same for onward submission to the higher management of the Bank

iv. Identify and refine business goals jointly with business partners. Execute projects and programs to achieve those goals

4. NPL Management and Portfolio Review:

i. Supervision & monitoring of Special Asset Management Division with special focus on top 50 stressed and classified/ written off accounts of different segments

ii. Provide support to drive for the recovery effort of the bank both from classified & written of portfolio along with regular follow-up of the legal initiatives

iii. Coordination of monthly NPL/ Portfolio Review and EAR Meeting in collaboration with SAM, Retail & SME Collection, BU & CRM

iv. Assistance in Special Asset Review Process of the bank & reviewing quarterly SARR submitted by BU

5. Miscellaneous:

i. Assist MD on issuance of various office instruction circulars/ instructions

ii. Any special task/ assignment assigned by the MD/ AMD/ Head of Planning, Strategy & Governance throughout the year

1. Quality of Assessment & Risk Recognition:

(Compliance of PPG, analytical ability and resourcefulness, verification & presentation of information etc.)

i. Approval of Retail & SME segment loans and advances including Credit Cards with delegation of unsecured lending authority up to BDT 10 million and secured lending up to BDT 30 million

ii. Complying all PPG parameters, relevant internal & external policies and regulations

iii. Analyzing merit of the proposal and approving/ recommending accordingly

iv. Analysis on the global and country's economic outlook

v. Perceive the inherent risk & ability to take risk knowingly

vi. Review product programs, process and operating procedures from time to time based on market trends and on the feedback of business units, CAD and SAMD

vii. Establishment of In-house contact point verification team

viii. Monitoring of control aspect

ix. Coaching and counseling to the underwriter team

x. Liaison with Asset VC and CAD

xi. Monitor, analyze and highlight Credit risks and furnish continuous feedback on key characteristics to Senior Management

xii. Implement prudent checks and measures to arrest fraudulent and substandard applications

2. Ensure TAT (Turn Around time) as per SLA (Service Level Agreement)

Strong monitoring of team members to ensure TAT within stipulated time as agreed with the business units

3. Ensure Portfolio Health

i. Providing regular MI reports to Business Units

ii. Vintage Analysis

iii. Guiding Business Units with directives in more prudent ways to ensure quality sourcing and building healthy portfolio

4. Learning & Development

i. Arranging in-house and external training sessions for team

ii. Regular product sessions/ workshop with business units

iii. Branch visit on regular interval

iv. Ensuring satisfactory E-Learning Score of team members

5. People Management

i. Perform efficiently and effectively within the given span of supervision

ii. Playing participatory role

iii. Capacity to inspire team, coaching and counseling them to achieve common goal

iv. Employee retention

6. Quality Management

Ensuring control environments are robust and receive satisfactory audit rating

7. Service Quality

Compliance with GAP, code of conduct and service quality guidelines

1. Quality of Assessment & Risk Recognition:

(Compliance of PPG, analytical ability and resourcefulness, verification & presentation of information etc.)

i. Approval of Retail & SME segment loans and advances including Credit Cards with delegation of unsecured lending authority up to BDT 7.50 million and secured lending up to BDT 20 million

ii. Complying all PPG parameters, relevant internal & external policies and regulations

iii. Analyzing merit of the proposal and approving/ recommending accordingly

iv. Analysis on the global and country's economic outlook

v. Perceive the inherent risk & ability to take risk knowingly

vi. Review product programs, process and operating procedures from time to time based on market trends and on the feedback of business units, CAD and SAMD

vii. Establishment of In-house contact point verification team

viii. Monitoring of control aspect

ix. Coaching and counseling to the underwriter team

x. Liaison with Asset VC and CAD

xi. Monitor, analyze and highlight Credit risks and furnish continuous feedback on key characteristics to Senior Management

xii. Implement prudent checks and measures to arrest fraudulent and substandard applications

2. Ensure TAT (Turn Around time) as per SLA (Service Level Agreement)

Strong monitoring of team members to ensure TAT within stipulated time as agreed with the business units

3. Ensure Portfolio Health

i. Providing regular MI reports to Business Units

ii. Vintage Analysis

iii. Guiding Business Units with directives in more prudent ways to ensure quality sourcing and building healthy portfolio

4. Learning & Development

i. Arranging in-house and external training sessions for team

ii. Regular product sessions/ workshop with business units

iii. Branch visit on regular interval

iv. Ensuring satisfactory E-Learning Score of team members

5. People Management

i. Perform efficiently and effectively within the given span of supervision

ii. Playing participatory role

iii. Capacity to inspire team, coaching and counseling them to achieve common goal

iv. Employee retention

6. Quality Management

Ensuring control environments are robust and receive satisfactory audit rating

7. Service Quality

Compliance with GAP, code of conduct and service quality guidelines

i. Approval of Retail & SME segment loans and advances including Credit Cards with delegation of unsecured lending authority up to BDT 2.50 million and secured lending up to BDT 10 million

ii. Leading the Consumer Credit Team and reviewing Mortgage Finance, Auto Finance, Personal Finance Credit Analysts, make decisions on whether to grant the finance and forwarding it to the Head of CRM for approval and sanction as well as guiding them in different aspects as and when required.

iii. Analyzing Mortgage Finance, Auto Finance, Personal Finance proposals as per Product Program Guideline (PPG) and credit policy and forwarding it to Head of CRM for approval.

iv. Making clear & transparent communication with the team & senior management.

v. Review product programs, process and operating procedures from time to time based on market trends and on the feedback of business units.

vi. Monitor, analyze and highlight credit and operational risks and furnish continuous feedback on key characteristics to Senior Management.

vii. Accountable for timely delivery of all proposals with accuracy

viii. Monitoring the credit analyst team for maintaining SLA consistently above agreed levels

ix. Coordinating with different third party agencies for Contact Point and document verification, bank statement authentication, property valuation, legal vetting, and other verifications required for credit analysis and borrower’s selection

x. Review and circulate daily / weekly / monthly MIS report for business and management units prepared by the credit support team.

xi. Implement prudent checks and measures to arrest fraudulent and substandard applications

xii. Reorganize existing processes and introduce new work ways with a view to increase productivity & efficiency.

xiii. Review bills for all the CPV companies, law firms (for legal report and title search report), valuation companies before forwarding it to competent authority for approval

i. Analyzing credit risk for all consumer credit facilities (Car loan, Personal loan, Home loan & Credit Card) and approving proposal within desired turnaround time

ii. Providing necessary assistance to the RMs & sales team members in preparing the loan application

iii. Sending and responding queries of branch RM team regarding loan proposal & taking interviews of the loan applicant

iv. Assisting Collection team & CPV team & MIS team time to time

v. Complying all PPG parameters, relevant internal & external policies and regulations

vi. Analyzing merit of the proposal and approving/ recommending accordingly

vii. Perceive the inherent risk & ability to take risk knowingly

i. Analyzing credit risk for all consumer credit facilities (Car loan, Personal loan, Home loan & Credit Card) and approving proposal within desired turnaround time

ii. Providing necessary assistance to the RMs & sales team members in preparing the loan application

iii. Sending and responding queries of branch RM team regarding loan proposal & taking interviews of the loan applicant

iv. Assisting Collection team & CPV team & MIS team time to time

v. Complying all PPG parameters, relevant internal & external policies and regulations

vi. Analyzing merit of the proposal and approving/ recommending accordingly

vii. Perceive the inherent risk & ability to take risk knowingly

i. Banking foundation training organized by the bank as a future leader

ii. Extensive job rotation program in different departments/ functional units of the bank including branch office

iii. Attending various extensive training programs and workshops on banking i.e. IT, Office Management, HR, Bank Management, Communication, Leadership etc.