Ali Raza

Master of Commerce (Finance) graduate with over seven years of professional experience spanning corporate retail operations, commercial manufacturing management, and institutional banking. Currently serving as a Senior Relationship Officer and Commercial Assistant to the Credit Manager at Al Baraka Bank Pakistan Limited. Expert in commercial credit underwriting, financial statement evaluation, risk mitigation, and Shariah-compliant banking structures.

Documented history of managing complex commercial portfolios, driving substantial deposit growth, and ensuring flawless regulatory compliance.

Senior Relationship Officer – Commercial Assistant to Credit Manager - Al Baraka Bank Pakistan Limited

(2025-09)

• Credit Risk Evaluation: Partner with the Credit Manager to evaluate complex commercial credit proposals, executing deep-dive financial statement analyses to evaluate liquidity, leverage, and creditworthiness.
• Credit Documentation: Draft detailed Credit Assessment Memos (CAMs) and facility applications, ensuring exact structural alignment with internal credit risk policies and central bank guidelines.
• Portfolio Surveillance: Track post-disbursement utilization and review active financial covenants to ensure early detection of asset deterioration and safeguard against Non-Performing Loans (NPLs).
• Portfolio & Deposit Growth: Structure tailored Islamic banking solutions (including Murabaha and Ijarah) for high-net-worth individuals and corporate entities, consistently meeting targeted deposit metrics.
• Compliance Administration: Conduct rigorous due diligence checks, ensuring 100% adherence to State Bank of Pakistan (SBP) statutory requirements, including AML and KYC frameworks.

Business Development Officer - Allied Bank Limited

(2024-07 - 2025-09)

• Client Acquisition: Expanded the branch portfolio by 10% through localized networking and tactical market penetration strategies.
• Trade Finance Operations: Handled processing documentation for international trade clients, including the collection of trade payment files and the issuance of Proceed Realization Certificates (PRCs).
• Relationship Management: Managed a diverse book of retail and commercial accounts, driving retention through tailored financial products and digital banking solutions.

Marketing & Production Incharge - Cleerika (Clothing)

(2022-03 - 2024-07)

• Operational Management: Directed localized manufacturing, supply chains, and market development strategies for a garment manufacturing and wholesale export operation to build specialized corporate trade insights.

Franchise Controller - Ruba Digital Pvt Ltd

(2018-10 - 2022-02)

• Receivables & Recovery Management: Managed ledger reconciliations and cash-flow collections, maintaining minimal overdue ratios across the retail franchise network.
• Internal Control & Audit: Executed routine inventory counts and stock valuation audits across multiple branch locations, completely eliminating stock variances and leakage.
• Management Reporting: Compiled comprehensive monthly financial health metrics, variance analysis, and operational updates to facilitate strategic executive decision-making.

Master of Commerce (M.Com) - Finance & Accounting - University of Sargodha (2013 - 2015)

Bachelor of Commerce (B.Com) - University of the Punjab (2010 - 2012)