Ibrahim Razvi

To serve and contribute in a challenging organization, where I can utilize my abilities, creative skill set for the advancement of my knowledge and overall growth and development of the institution. An ideal candidate for a position requiring drive, initiative, responsibility and challenge where I can transform my ideas into actions and also prove myself as inevitable asset to the organization.

Branch Manager – DHA Phase IV Branch at MCB Islamic Bank (2025-09 – Present)

• Responsible for sales, customer services and operational controls of the branch.
• Successfully managing a business portfolio of the branch.
• Managing a team of 12 personnel.
• Consistently exceeding branch sales targets and driving revenue growth while maintaining highest services standards.

Branch Manager – DHA Branch at Apna Microfinance Bank (2024-01 – 2025-09)

• Reporting to Area Manager Retail.
• Successfully managing a liability portfolio of PKR 1.5 Billion and asset portfolio of PKR 350 Million
• Managing a team of 14 personnel including two liability managers, operations and credit staff.
• Consistently exceeding branch sales targets and driving revenue growth by 25%

Branch Manager – PAF Base Branch at Allied Bank Limited (2016-01 – 2022-12)

• Reporting to Regional Head Commercial & Retail Banking.
• Successfully managed daily operations of a busy retails banking branch, over seeing a team of 14 employees
• Consistently exceeded branch sales targets, driving revenue growth by 20% year over year.
• Managed a deposit portfolio of PKR 2.3 Billion.
• Developed and executed strategies to increase customer base.
• Maintained a strong understanding of industry regulations and compliance standards, ensuring branch adherence.
• Provided coaching and mentoring to staff.
• Actively engaged with local community through participation in events, driving brand visibility.
• Additionally, responsible for sale of asset management products, consumer products, bancassurance and government securities.

Branch Manager – Circular Road Lahore at Allied Bank Limited

• Managed a team of 12 personnel.
• Managed a trade portfolio of PKR 1.2 Billion, advances portfolio of PKR 350 Million deposit portfolio of PKR 500 Million.

Branch Manager – Mcleod Road Lahore at United Bank Limited (2015-01 – 2015-12)

• Reporting to District Manager Retail Banking.
• Managed a team of 12 personnel.
• Managed a portfolio of PKR 750 Million.
• Responsible for deposit mobilization, customer services and operational controls of the branch.
• Responsible for meeting branch's bancassurance, wealth management and consumer targets.

Branch Manager – Kot Khawaja Saeed - Lahore at United Bank Limited (2011-12 – 2014-12)

• Reporting to District Manager Retail Banking.
• Build and managed a team of 10 personnel.
• Formally started a new branch in February 2012 and developed a portfolio of 3500 new to bank customers amounting to PKR 350 Million with a mix of CASA 65:35 less than 3 years.

Branch Manager at United Bank Limited (2011-12 – 2015-12)

Achievements at United Bank Limited:

• Visited St. Petersburg, Russia for bancassurance sales convention, as a H2 2014 performance reward.

Branch Manager – New Airport Road Branch Lahore at JS Bank Limited (2010-10 – 2011-05)

• Reporting to Area Manager Retail Banking.
• Managing a team of 8 personnel and responsible for the profit/loss, sales targets, service standards and operational controls of the branch.
• Took over a portfolio of PKR 30 Million and build up to PKR 225 Million, constituted of 375 accounts.

Branch Manager – Gulberg Branch Lahore at JS Bank Limited (2008-12 – 2010-09)

• Reporting to Area Manager Retail Banking.
• Started a new branch at M.M. Alam Road Gulberg Lahore.
• Build and managed a team of 11 personnel and was responsible for the sales target, service standards and operational controls of the branch.
• Responsible for issuance of Guarantees, Running Finance and L/Cs (Imports/Exports), all of which are fully secured against deposits.
• Developed a portfolio of PKR 345 Million, constituted of 810 accounts.

Branch Manager at JS Bank Limited (2008-12 – 2011-05)

Achievements at JS Bank Limited:

• Awarded "President's Centurion" Award for achieving 100 Million deposit milestone in 2009.
• Went to Thailand for bancassurance sales convention, as a performance reward in 2009.

Team Head – Royal Preferred Banking – Main Branch Lahore at ABN AMRO Bank Pakistan Limited / The Royal Bank of Scotland Limited (2008-05 – 2008-12)

• Reporting to Branch Manager, and managing a team of 9 personnel, including six Preferred Banking Relationship Managers (All FTEs) and three Client Service Associates (1 FTE and 2 OS)
• Responsible for growth of LCY portfolio of 4.7 BL and FCY portfolio of 2.3 BL consisted of 1300 preferred banking customers and 1500 general banking customers.
• Responsible for client satisfaction and relationship profitability.
• Structure deals appropriately to balance risk and reward.
• Managing an investment portfolio that consists of Bancassurance and Investment products.
• Conducing training sessions of compliance, liability and asset products, bancassurance and investment products and process flows for newly hired staff.

Relationship Manager – Van Gogh Preferred Banking at ABN AMRO Bank Pakistan Limited (2006-06 – 2008-05)

• Reporting to Manager Van Gogh Preferred Banking Main branch Lahore, and being part of a team of 10 Preferred Banking Relationship Managers and three Client Service Associates.
• Managing a portfolio of 950 Million (LCY/FCY) consists of 180 preferred clients.
• Liability generation of PKR 20 million every month in core bucket of 2-10 Million, while maintaining a CASA:TD ratio of 70:30.

Service Relationship Manager - General Banking at ABN AMRO Bank Pakistan Limited (2005-12 – 2006-06)

• Reporting to Floor Manager Main Branch Lahore, and being part of a team of 8 Service Relationship Managers and responsible for:
• Unsecured asset and liability help desk (Personal Loan, Balance Transfer Facility and Deposits).
• Managing a liability portfolio of 210 M constituted of 230 general banking customers.

Banking Professional at ABN AMRO Bank Pakistan Limited / The Royal Bank of Scotland Limited (2005-12 – 2008-12)

Achievements at ABN AMRO / RBS:

• Nominated as the Highest Achiever in Bancassurance sales three times in the central region (2008)
• Went to Istanbul Turkey for bancassurance sales convention, as a reward for highest bancassurance sales person in 2007.
• Brought in total deposits of 300 M in 2007 against a target of 240 M as Relationship Manager.
• Managed the biggest LCY/FCY portfolio of central region, (USD 87.5 Million) as RM.

Bachelor of Business Administration in Business Administration – Preston Institute of Management, Science & Technology, Lahore, Pakistan (PIMSAT) (2001 – 2004)

Intermediate of Commerce in Commerce – Punjab College of Commerce, Lahore, Pakistan (1995 – 1997)

Matriculation – Army Public School, Hyderabad, Pakistan (1993 – 1995)