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Shahzad N.

H. No 308 Army Housing Complex, Zarar Shaheed Rd, Lahore Cantt., Pakistan.
Mobile: 0092-321-9499282

Professional Overview
A Financial Services Professional with over 8 years of management experience,
having worked in Financial Institutions in Pakistan & Middle East (Saudi Arabia).
Adept in driving profitability and enhancing team potential in culturally diverse

Core Competencies
Strategic Planning  Financial Planning  Marketing &
&Budgeting Communication
 Profit & Loss  Customer Segmentation  Product Development &
Management Launch
 Business Analytics &  Regulatory Compliance  Sales Management
 Asset & Liability  Staff Hiring, Training &  Credit/Risk Policy &
-Portfolio Management Development Process Analysis and

Career Snapshot
 KASB Bank – Pakistan Mar 2010 -
Vice President, Senior Product Manager Present
Commercial Banking

 National Commercial Bank - Saudi Arabia Sep 2007 - Nov

Product Manager Business Banking 2009
SME Retail Banking

 Standard Chartered Bank – Pakistan Jan 2005 - Sep

Group Product Manager 2007
SME Retail Banking
 Mayfair Group – Pakistan Dec 2002 - Dec
Business Development Manager 2003
 Azgard 9 Textile Division – Pakistan Aug 2001 - Sep
Brand & Business Development Manager UK 2002

Educational Qualifications
 Financial Risk Management (FRM) In Process
Global Association of Risk Professionals (USA)
 Masters Business Administration (MBA)
Lahore University of Management Sciences (LUMS), Pakistan
 Bachelor of Commerce 1996-
University of Punjab, Pakistan

Career Profile
KASB Bank - Pakistan Mar
2010 - Present
Vice President, Senior Product Manager - Commercial Banking Group
 End to end Product lifecycle management for Business Banking segment inclusive
of an ongoing review of product (Assets & Liabilities) profitability to identify key
contributors of revenue, and credit losses.
 Develop product positioning, define target segments and maintain distinct
product value proposition via customer needs gap analysis within current product

 Repositioned Business Flex (Liabilities Current Account) toward SME & Medium
Enterprises, coupled with a payroll management solution and staff insurance
 Implemented Dairy linked financing joint program with Nestle Pakistan.
 Developed & Launched the KASB Bank Bancassurance program targeting Branch
customer base.
 Developed & implemented Sales performance management system for Branch
Banking frontline.

National Commercial Bank - Saudi Arabia

Sep 2007 - Nov 2009
Product Manager Business Banking - SME Retail Banking
 Drive customer acquisition, financial management and market
development for the Business Banking segment on a regional and national scale.
 Develop Marketing plans identifying specific marketing tactics built on
customer insights to deliver over all business objective and strategy for the
 Coordination with Risk Management in monitoring portfolio health, Credit
Policy, and Delinquencies
 Finalized the segment business strategy in association with McKinsey
Consulting, inclusive of strategic assessment of growth objectives, competitive
landscape, positioning, and profitability.
 Exceeding forecasted deposits targets by 16 % and lending by 8%,
managing a portfolio of SR 11 bn Liabilities and SR 2 Bn Assets.
 Developed Annual Budget and Strategic Plan
 Structured SB customer segmentation model & launched Tajir Alahli
Deposit (Liabilities)Programs, accelerating New to Bank deposit growth by 94
 Reengineered the credit approval process with Risk Management reducing
processing time by 58%.

Standard Chartered Bank – Pakistan

Jan 2005 - Sep 2007
Group Product Manager -SME Retail Banking

 Deliver and manage the financial growth objectives for the Small & Medium
Enterprise Relationship business, Program Products and Liabilities.
 Conceptualize & implement the Marketing & Sales strategy and regulate the
Marketing budget.

 Managed the Research, Development, and Launch of Pharmaceutical and

Agricultural sector specific program products resulting in US$ 36 Mn portfolio in 2
 Developed and launched 3 pan Pakistan advertisement campaigns targeting SME
 Restructured textile financing program based on fund customer needs, market
assessment and risk.
 Developed and Implementation of Annual Operation Plans (Budgets) and
Strategic Operating Plans
 Coordinated with Risk Management in Program Renewals, Credit Policy,
Delinquency and Recovery.
 Implemented re-pricing strategy based on the economic environment review
 Planned and executed sales incentive scheme which resulted record revenue in 3
months within the industry with incremental sales growth of 61%.

Mayfair Group – Pakistan Dec 2002

- Dec 2003
Business Development Manager

 Manage strategic business expansion plans for the confectionary and textile
business categories.

• Researched consumer behavior, distribution, and market environment for Mayfair
Biscuits and Mayfair Spinning projects.
• Developed financial model combined with Market Analysis, Risks, and
International Sales Opportunities for expansion projects

Azgard 9 Textile Division – Pakistan

Aug 2001 - Sep 2002
Brand & Business Development Manager UK
 Development of apparel business plan, brand strategy and manage the UK Region
Merchandising team managing sales, customer relationships, order management,
Market Research & Product development.
 Evolved UK customer portfolio from 12% to 33% product capacity and 45 % gross
income contribution.

Career Profile
Date of Birth: 15th Sep 1977
Marital status: Married
Dependants: 4