Rashid Pervez (Banking Expert)
Brentwood
Summary
Accomplished and results-driven professional with an exceptional 30-year career in the financial industry, showcasing expertise in Assistant Vice President (AVP) roles, Branch Operations Management, and Trade Services. A seasoned leader known for strategic vision, operational excellence, and an unwavering commitment to delivering top-tier financial services.
- Spearheaded and directed high-performance teams, driving strategic initiatives that enhanced operational efficiency and contributed to overall organizational success.
- Proven track record in overseeing branch operations, implementing best practices to optimize workflows, and ensuring a seamless and customer-centric banking experience.
- Extensive knowledge of international trade practices, with hands-on experience in managing end-to-end trade operations, from documentation to compliance, fostering global business relationships.
- Established robust risk management frameworks, ensuring adherence to regulatory standards and compliance with international trade laws, thereby safeguarding the organization against financial risks.
- Cultivated enduring client relationships by understanding their unique financial needs, providing tailored solutions, and delivering an unparalleled level of service, resulting in client loyalty and business growth.
- Proficient in financial analysis, with a keen ability to interpret and act upon market trends, optimizing trade finance processes and contributing to the financial health of the organization.
- Collaborated effectively across departments, fostering a culture of collaboration between trade services, operations, risk management, and other key areas to ensure cohesive and integrated business strategies.
- Pioneered the integration of cutting-edge technologies into banking operations, driving innovation, improving efficiency, and ensuring the organization remains at the forefront of industry advancements.
- Demonstrated a commitment to talent development, mentoring and coaching team members, fostering a culture of continuous learning, and creating a pipeline of skilled professionals.
- Adapted seamlessly to evolving industry landscapes, staying abreast of market trends, regulatory changes, and technological advancements to position the organization for sustained success.
Overview
38
38
years of professional experience
Work History
Trade Service Manager
HAB Bank
2017.07 - Current
- Managing day-to-day trade services operations, including import/export documentation, letters of credit, and bill of lading processing
- Ensuring all trade activities comply with international and domestic trade laws and regulations.
- Building and maintaining strong relationships with clients, understanding their needs, and providing tailored trade solutions.
- Identifying and managing risks associated with international trade, including credit, operational, and country risks.
- Leading, training, and developing a team of trade service professionals to ensure high performance and professional growth.
- Continually seeking ways to improve trade service processes for efficiency and effectiveness.
- Keeping abreast of global trade trends and market conditions to inform strategic decisions and service offerings.
- Overseeing the financial aspects of trade transactions, including pricing strategies, cost control, and revenue generation.
- Negotiating with clients, banks, and service providers, and resolving any issues that arise in trade transactions.
- Leveraging technology to streamline trade services and provide innovative solutions to clients.
- Ensuring accurate documentation for all trade transactions and providing regular reports to senior management.
- Collaborating with other departments, such as sales, finance, and legal, to ensure cohesive service delivery.
- Staying updated with changes in trade policies, practices, and technologies to remain effective and competitive in the role.
Assistant Vice President
HBL Bank
2004.05 - 2015.06
- Provide strong leadership to a team of professionals, fostering a collaborative and high-performance work environment.
- Supervise and guide team members in achieving individual and collective goals.
- Oversee risk assessment processes and implement strategies to mitigate potential risks
- Conduct thorough financial analyses to support decision-making processes. Also, monitor key financial metrics and provide strategic recommendations for improving financial performance.
- Build and maintain strong relationships with key clients, addressing their financial needs and concerns.
- Drive business growth by identifying new market opportunities and developing strategies to expand the bank's customer base.
- Analyze complex issues and provide innovative solutions to address challenges in the banking industry.
- Establish and monitor key performance indicators (KPIs) to measure the success of the department and individual team members.
- Effectively communicate with internal and external stakeholders, including presenting financial reports and updates to senior management.
- Streamline operational processes to enhance efficiency and reduce costs. In addition, implement technology solutions to improve operational workflows.
- Contribute to the development and execution of the bank's strategic initiatives. In addition, provide insights and recommendations for long-term business planning.
- Stay abreast of changes in banking regulations and ensure the bank's adherence to all relevant compliance requirements.
- Foster a culture of continuous learning and development within the team, promoting professional growth and skill enhancement.
Branch Operations Manager
HBL Bank
1986.03 - 2004.04
- Ensure all processes are followed as per Branch Operations, Foreign exchange manuals & KYC/AML policy; while ensuring Compliance and TATs are met as per Service Level Agreement between departments.
- Ensure, manage and supervise over the counter services in the branch to achieve timely and accurate processing of customer requested transactions and customer complaints, while ensuring service delivery is as per the prescribed standards and SLAs between the functions of the bank.
- Ensure all trade business are managed and supervised by following procedures to ensure adherence to the bank’s risk and compliance policies.
- Ensure that all regulatory reporting are submitted on timely basis to avoid non-compliance at all levels.
- Supervise and ensure compliance with Money Laundering and terrorist financing regulations and Know Your Customer Guidelines, while regularly reviewing KYC status, customer profiles, conduct risk assessments, authorization of transactions on a daily basis, to ensure that the branch conducts its business following the required system/ process flow to counter money laundering and terrorist financing.
- Provide guidance and recommendations in order to support the resolution of all customer cases to improve overall customer experience.
- Management of variable cost factor pertaining to branch operations and to maintain the cost at minimum level and within budget to ensure branch efficiency.
- Facilitate growth in business and strengthen Bank by ensuring customer satisfaction, actively participate for retention of deposits, identify and follow up on cross sell leads along with the branch manager in order to strengthen the liability position of the bank.
- Responsible for reconciliation of Inter Branch Transaction Supervision /Cross Branch Transactions, Internal Control and branch outlook and ambience by properly maintaining branch furniture’s/ fixtures/ IT equipment to effectively support the front-line of the branch.
- Ensure all processes are performed as per bank policies to achieve best satisfactory audit ratings in internal, external and SBP audits.
- Hold the custody of cash vault, security stationery and ATM, while acting as branch security officer by conducting security drills and alert staff, in order to remain vigilant and maintain security.
- Lead the branch Operations team to set individual objectives, review performance appraisals and provide on-going feedback on a formal and informal basis so that all staff are aware of what they are required to achieve and how they are performing against their objectives.
- Ensure implementation of a transparent and effective KPIs setting and appraisal process in time with local and regional guidelines
Education
Karachi University
Karachi.Skills
- Document Flow Coordination
- Cash Handling
- Sales Expertise
- Customer and Vendor Relations
- MS Office
- Team Leadership
- Technical Expertise
- Customer Relationship Management
- Project Management
- Problem-solving
- Vendor Management
- Safety and Compliance
- Operations Management
- Team Building
- Financial Analysis
- Customer Service
- Strategic Planning
- Communication Skills
- Business Strategy Creation
- Program Management
- Corporate Presentations
- Government Lending
- Business Development
- Process Improvement
- Sales Management
Timeline
Trade Service Manager
HAB Bank
2017.07 - Current
Assistant Vice President
HBL Bank
2004.05 - 2015.06
Branch Operations Manager
HBL Bank
1986.03 - 2004.04
Karachi University
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