Naseem Raza

Banking and microfinance professional with 17+ years of experience across regional sales coordination, branch management, business development, credit, portfolio management, collections and financial services. Experienced in coordinating sales activities across 26 cities and 6 zones of Central and South Punjab, leading branch operations, deposit mobilization, loan disbursement and recovery, credit assessment, risk management, team supervision and head office/field coordination. Additional experience delivering branch-level training on new programs, policies, applications and credit-related processes.

Hands-on user of SAP Business One (SAP B1) and ERP systems, with working proficiency in MS Excel and MS Word. Holds an MBA in Finance.

Regional Sales Coordinator - Four Brothers (Pvt.) Ltd. - Punjab, Pakistan

(2024-01)

• Assist the CEO in managing the national Green-1 portfolio and support the Deputy General Manager in portfolio management.
• Oversee day-to-day sales activities and act as a bridge between Head Office and the sales team.
• Coordinate sales activities across 26 cities in 6 zones of Central and South Punjab.
• Support HR, Accounts, Administration and Warehouse departments in day-to-day operations.
• Use SAP Business One (SAP B1) and ERP systems for current work-related processes and reporting, with MS Excel and MS Word for analysis, documentation and coordination.

Manager Executive - SIMS Preparations, Sahiwal - Sahiwal, Punjab, Pakistan

(2019-01 - 2024-12)

• Planned and supported business development activities.
• Controlled nationwide business activities and supervised organizational operations.

Branch Manager / AVP; Manager – Permanent Booth; Credit Analyst; Senior Loan Officer - HBL Microfinance Bank Ltd. / Finca Microfinance Bank Limited - Punjab, Pakistan

(2009-01 - 2019-12)

• Monitored marketing of financial services and products and deposit mobilization activities to achieve annual targets.
• Oversaw branch operations, including credit evaluation, loan disbursement and loan recovery, with focus on credit quality and prevention of recurring issues.
• Controlled branch expenses within approved budgets and supervised risk management, risk assessment, credit authorization and collection activities.
• Promoted loan products in assigned markets and coordinated with UBL Omni agents to facilitate banking customers.
• Progressed through multiple roles, including Credit Analyst, Senior Loan Officer and Branch Manager/AVP.
• Conducted training sessions across different bank branches on new banking programs, policy and process changes, application updates, and credit-related procedures.

Business Development Officer - Khushhali Bank Limited - Punjab, Pakistan

(2007-01 - 2009-12)

• Identified and implemented banking products for new target markets and business growth opportunities.
• Managed product delivery and supported credit quality and collection efficiency standards.
• Identified and resolved client servicing issues and conducted regular client visits.
• Reviewed portfolios and accounts, identified problems and prepared reporting.

MBA - Finance - University of Lahore (2003-01 - 2005-12)