Aashique Hussain

Academically qualified, Masters of Business Administration MBA, Majors in Banking & Finance And, track record of delivering results in areas of Financial Accounts Management, Credit Management, strategic budgetary & planning, MIS reporting, Debt management, Risk management, Litigation and financial information services. Success record of achieving the integrating systems & processes to increase productivity, reduce costs, improving quality and timeliness of management & mitigating risk. Well hands on real estate sector and town development.

Enthusiastic and dynamic personality with excellent analytical, problem solving, management, people supervision and organizational skills. Also a financially astute team leader with proficiency in grasping new concepts, developing innovative and creative solutions to problems, works well under significant pressure and demonstrating high levels of motivation to meet deadlines. I have had rich experience of recoveries, Risk management, Business Intelligence and litigation, well versed with Accounting, Finance and Banking Software.

General Manager (FINANCE, HR, ADMIN) - RAFI DEVELOPERS - Faisalabad

(2020-07)

Handling Projects Model City-II of 520 Kanals, Model City-II Executive Block 1100 Kanals, Green Top City 400 Kanals, Sky Land City 400 Kanals along with commercial markets

• Responsible for the business budget and projects' profit and loss and analyse the real estate sectors to identify the best strategy and development plan
• Gather, prepare, and present information to the senior management on proposed projects in order to obtain approvals and track competitor locations and activities and update database timely
• Develop and cultivate relationships with landowners, brokers, potential business partners, and professional organizations Manage, coordinate, administer, and negotiate the best deal structure for the business
• Analyze and understand local ordinances and zoning codes to determine development parameters
• Develop, monitor, and report detailed budgets, schedules, and status on projects while maintaining and updating the Directors
• Manage all activities between stakeholders, consultants, and contractors in order to deliver projects within scheduled timeframes and budgets
• Handling the all litigation matters to mitigate the business risk
• Close Coordination with Patwari and Land Revenue Department and Development Authorities for the best interest of company
• Scurrility of Land documents and also custodian of original documents
• Compliance of Land Developments Rules and arrangements of all utilities in Societies like, Electricity, Gas and Sewerage etc
• Represent company to local government entities and the public including facilitating community meetings and public hearings

General Manager (Sales-Marketing-Finance) - AL HIJJAB REAL ESTATE MARKETING AND CONSULTANT

(2015-10 - 2020-06)

• Oversees all communications, public relations and promotional activities selected to support the brand and marketing strategy including design, production and distribution of print materials such as brochures, ads and direct response plus radio and television spots
• Manages press relations, speaking engagements, special events and community outreach activities
• Supervises website maintenance, social media participation and trade show exhibitions
• Supervises a staff of professionals and serves as an internal consultant to any business units within the corporation
• Stays informed about marketing trends and monitoring industry changes to maintain firm's competitiveness
• Attends client presentations and helps prepare request for proposals (RFPs) used to pitch new business
• Ensures the completion of sales target and sales strategy Management to achieve the company's revenue targets

Cluster Head – Remedial Assets Management - Central - United Bank Ltd - Pakistan

(2009-03 - 2015-09)

• Track and manage the Commercial Assets and Agriculture NPLs, and Management of Business Line portfolio on a daily, weekly & monthly basis
• Management of Legal portfolio of Retail Bank Collection at Country Level
• Take measures to improve efficiency of RB collection staff
• Create Synergy among the all stakeholder
• Provide logistical support to the team to achieve their goals
• Actively liaise and direct the legal and recovery department to pursue litigation on defaulting customers in an effective and timely manner
• Implement processes and provide feedback on policies / procedures to minimize incidence of NPLs in light of Current Trends
• Performance reviews of all staff
• Attainment of feedback from immediate supervisors
• Capacity planning as per business requirement
• Supervision of hiring of competent and experienced staff
• Conduct regular team meetings to provide coaching and share information
• Establish a monthly expense review process. Highlight and resolve anomalies if any
• Identify opportunities for expense reduction and efficiency gains
• Perform self-assessment of key processes in all departments
• Manage regulatory and internal audits
• Carry out self-assessment and improve functional performance of all shops to meet scrutiny of internal and external audit
• Formulate effective operational / collection strategy and pursue its implementation and improvement through regular reviews
• Carryout capacity planning and hiring of Collections Officers to ensure adequate collections strength at all times
• Carryout MIS coordination and feedback with Collections MIS unit and arrange its support for all shops
• Undertake evaluations of individual Collection Officers / staff on monthly basis and carryout counseling to improve their performance and build collection efficiencies
• Ensure optimal system (Debt Manager) utilization across the board and adjust system parameters relevant to local conditions
• Establish effective expense control and meet assigned expenditure limits / budget
• Strict adherence of Credit Policies
• Revision of manuals on required basis

Regional Collection Manager-Faisalabad and Sargodha - United Bank Limited - Faisalabad and Sargodha

(2004-07 - 2009-02)

• Manage the Cards, Auto, Personal Loans, Cash line, Home Loans and Business Line in Faisalabad and Sargodha Regions to control net flows and maintain delinquencies / NCL within assigned level
• Management of provision buckets within assign targets
• Managing the team of more than 90 people including 21 FTEs staff
• Train and motivate individuals to improve their personal and collective performance

Collection Supervisor – Faisalabad and Sialkot - Standard Chartered Bank - Faisalabad and Sialkot

(2002-07 - 2004-06)

• Set up collection department and hired a motivated team
• Implemented collection strategies and process
• Dealt with litigation to achieve recovery
• Dealing with external agencies to safeguard bank assets
• Prompt delivery for customer complaints
• MIS management at all levels
• Efficiently mentoring of team performance
• Effective portfolio and team management

MIS Analyst – Faisalabad - Citibank N.A - Faisalabad

(1996-11 - 2002-06)

• Worked various positions in Sales, customer services, MIS, audit and budgeting
• Achieved targets and planning and directions for collection management
• Monitored collector performance and external agencies

Masters of Business Administration - Banking & Finance - Allama Iqbal Open University (2012 - 2012)

Bachelors of Commerce - Finance - University of the Punjab (1996-08 - 1996-08)