Banking Executive | 22+ Years in Digital Banking Transformation & Operations-Leadership
Results-driven banking professional with over two decades of experience leading digital banking initiatives, operational enhancements, and revenue growth. Delivered a 78% increase in mobile banking engagement and generated BDT BDT 18.68 lac through Automated Challan System (ACS) in 2024. Proven ability to streamline processes, implement Real Time Gross Settlement (RTGS) and e-Government Procurement (e-GP) systems, and exceed financial targets. Skilled in training and developing over 500 employees, fostering high-performance teams in a rapidly changing banking landscape. Recognized for strategic leadership, innovation, and operational excellence.
Countries Visited:
India, Malaysia, Russia, Philippines, Maldives
Professional Experience
September 2024 – January 2025
September 2024 – January 2025
Senor Assistant Vice President and Head of Audit & Inspection
Bangladesh Commerce Bank Limited, Internal Control & Compliance Division, Head Office, Dhaka
- Conduct comprehensive audits of various BCBL branches to ensure adherence to internal controls, regulatory guidelines, and bank policies.
- Prepare detailed audit reports, outlining findings, non-compliance issues, and actionable recommendations for corrective actions to enhance branch operations.
- Monitor the implementation of audit recommendations, ensuring timely resolution of issues and continuous improvement in branch operations.
January 2024 – September 2024
January 2024 – September 2024
Senior Assistant Vice President & Divisional Head
Bangladesh Commerce Bank Limited, Payment Systems Division, Head Office, Dhaka
- Spearheaded the implementation of Automated Challan System (ACS), contributing to earnings increase of BDT 18.68 lac in 2024.
- Strategically expanded mobile banking services (BCB e-Cash), resulting in a 78% increase in user engagement.
- Boosted revenue by BDT 9.92 lac through optimizing Real Time Gross Settlement (RTGS) and e-Government Procurement (e-GP) services in 2024.
- Ensured financial accuracy and integrity by managing meticulous reconciliation and oversight processes, achieving zero financial discrepancies.
August 2018 – December 2023
August 2018 – December 2023
Assistant Vice President & Divisional Head
Bangladesh Commerce Bank Limited, Payment Systems Division, Head Office, Dhaka
- Consistently surpassed ACS targets, driving BDT 27.48 lac in non-funded income.
- Exceeded deposit mobilization goals by securing BDT 7.04 crore in 2023, surpassing targets by 17%.
- Centralized Nikash BEFTN inward system in 2023, optimizing operational efficiency across all branches and sub-branches of BCBL.
- Spearheaded the implementation of ACS across all branches and sub-branches of BCBL in 2021.
- Successfully secured BDT 3.52 crore in deposits during Q2 2019, earning formal recognition from senior management.
April 2015 – July 2018
April 2015 – July 2018
First Assistant Vice President & BACH Manager
Bangladesh Commerce Bank Limited, Payment Systems Division, Head Office, Dhaka
- Managed centralized cheque clearing and electronic fund transfers.:
- Ensured compliance and efficient dispute resolution: Liaised with other banks and regulatory bodies.
- Implemented RTGS: Across all branches and sub-branches of BCBL in 2015.
- Introduced the 'Payza e-wallet payment system/Payza OPGSP.': At BCBL
March 2011 – March 2015
March 2011 – March 2015
Senior Executive Officer & Branch Operation Manager
Bangladesh Commerce Bank Limited, Dhaka
- Directed operations: In General Banking, Credit, and Foreign Exchange departments, ensuring high levels of internal control and regulatory compliance.
- Achieved Grade 'A' performer status: In a 50-day business development program (October-December 2012).
- Received a testimonial and a special increment: For securing BDT 5.03 crore in deposits against a target of BDT 5.00 crore (May-June 2011).
December 2008 – March 2011
December 2008 – March 2011
Senior Officer
Social Islami Bank Limited, Agargaon Branch, Dhaka
- Managed Letter of Credit (L/C) processing, foreign remittance, and export-import documentation, improving foreign exchange efficiency.
May 2006 – December 2008
May 2006 – December 2008
Officer
Pubali Bank Limited, Information Technology Division, Head Office, Dhaka
- Oversaw IT support and procurement for banking operations across branches, ensuring technological efficiency.
February 2002 – April 2006
February 2002 – April 2006
Junior Officer
Pubali Bank Limited, Information Technology Division, Head Office, Dhaka
- Provided comprehensive IT support for branch banking operations, significantly improving technological infrastructure and operational performance.
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Skills & Expertise
Banking Technology
Technical Expertise
Leadership & Development
Certifications & Tranings
Diplomaed Associate of the Institute of Bankers Bangladesh (DAIBB)
An advanced diploma focusing on banking principles and practices.
Advanced Credit Management | Bangladesh Institute of Bank Management (BIBM)
Course on advanced credit management techniques and strategies.
Branch Management | Bangladesh Institute of Bank Management (BIBM)
Training on effective branch management and operational skills.
Export & Import through L/C | bdjobs.com Ltd.
Understanding of export and import processes through Letter of Credit.
Professional Memberships
Resources
Financial Management & Analysis
“Mastering Financial Analysis” -> This resource is essential for any bank officer looking to deepen their understanding of financial statements, risk management, and financial forecasting.
Customer Relationship & Communication Skills
: A bank officer’s success often hinges on their ability to maintain strong, trusting relationships with clients.
Compliance & Risk Management
Compliance with banking regulations and managing risk is an integral part of a bank officer’s role.
Acts, Laws & Policy
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ADDRESS
Western Panthonibash, East Panthapath Dhaka, Bangladesh.