Mutahir Alvi

89/II, 18th Street off Khyaban-e-Rahat, Res Tel # (9221) 35841780

Phase VI, (9221) 35841785
Defence Housing Authority, Mobile Tel # : (92300) 8233739
Karachi, Pakistan e-mail: mutahir.alvi@gmail.com

Summary:

Mutahir is a dynamic senior Banking Professional having over 2+ decades of extensive cross functional experience in banking and
financial services, specialized in all aspects of Conventional and Islamic modes of Consumer and SME banking. He has deep
understanding of consumer credit operations, consumer credit, retail assets and retail liabilities.

He has the ability to put together strategic vision to position business for longer term sustained profitable growth. He has
exceptional leadership qualities with proven skills in strategy and crisis management and in creating successful outcomes in
culturally diverse environments. He is expert at turnarounds and in finding new & innovative strategies for business recovery and
growth. He has always been trusted with complex assignments that require giving shape from concept to completion and of strategic
importance to the bank.

He has delivered business results in diverse credit situations of economic down-turn as well as growth. He has put together and led
high potential, high performance teams. People and large scale responsibilities have been the forte.  

He has good communicaton skills, is an excellent public speaker and a Recognized Trainer. 

Specialties:

General Management, People Management, Business Management, Product Management, Sales Management, Distribution
Management, Risk Management, Collections Management, Credit Underwriting, Credit Operations, Marketing, Branch Banking,
Branch Service & Operations, New Branch Opening, Islamic Financing, SME Banking, Wealth Management, Bank Assurance,
Customer Relationships, Audit, Credit & Sales Training, Formulating Incentive Plans

Professional Experience:

Director
Shabbir Tiles & Ceramics Limited (HOH) Aug ’17 – to date

The responsibility was given to streamline and turnaround the business which was making loss year on year. It had numerous issues
consisting of mammoth receivables (almost not recoverable), huge banks' liabilities, and no policy on Credit Sales, massive
inventory, limited dealer’s network, and very low stock price.

Successfully formulated and executed multi-pronged strategy of controlling delinquency and increasing recovery of bad debts.
Drafted and Implemented Credit Sales Policies & Procedures.

In a short span of time, the business has totally transformed, 90 % of bad debts have been recovered, and Sales is now against cent
percent Cash. Banks' Liabilities have been reduced to minimal, Stock inventory is at manageable level. New Dealers have been
inducted. Opened company maintained Life Style Emporiums across country to reposition the brand. Investments have been done to
upgrade manufacturing plants. High Quality Ceramic & Porcelain tiles are now manufactured as per European Standards accredited
by Centro Ceramico, Italy.

Consultant
BankT&D, Consulting Ltd, UK Nov ’14 – July ‘17

Carried out advisory services for Faysal Bank, Pakistan – Developed Business Transformation Plan to convert Faysal Bank from
Conventional Banking to full fledged Islamic Banking.

Associate Senior Consultant

Arete Financial Partners, Singapore May ’13 – Oct ‘14
August ’10 – August ’12
April ’09 – September ’09

Signed an Agreement as a consultant to provide strategy assessment, perform portfolio reviews and process re-engineering for
clients.
Head of Distribution - SME
Burj Bank Limited, Pakistan September ’12 – April ‘13

Managed a team of SME Sales, Collection and Products under Islamic financing through Murabaha, Ijarah, Diminishing
Musharakah, Islamic Export Refinance Scheme, Sight and Usance Import LC, Bank Guarantee / Letter of Guarantee / Performance
Guarantees.

Head of Credit & Operations

House Building Finance Corporation Limited, Pakistan October ’09 – July ‘10

Led Credit & Operation’s team of Government of Pakistan’s owned largest housing finance institution. Developed Mortgage Product
Plan in compliance to Islamic Sharia Laws of Musharaka and Murabaha. Drafted Credit Policies & Procedures related to loan
application processing. Formulated MIS structure and established Credit initiation unit.

Senior Vice President – Head of Mortgage Business

Member Management Committee
Global Consumer Banking, Citibank Pakistan April ’08 – February ’09

Directly responsible for P&L of Mortgage Business. Led sales and marketing teams. Introduced product enhancement and developed
strategy to propelled sales growth with a healthy portfolio.

Senior Vice President – Head of Branch Banking & Distribution

Member Management Committee
Global Consumer Banking, Citibank Pakistan June ‘04 – March ‘08

Managed countrywide branches & ATMs. Responsible for P&L of Branches and Sales Centers. Opened new branches in new cities /
markets. Transformed branches into financial supermarkets by building branches as a strong distribution channel for asset products
along with branch banking products. Introduced “Hub & Spoke” concept in branch network. Formulated strategy of “Farmers &
Hunters” for granular growth and deepening of accounts. Developed & successfully launched Branch Performance Evaluation Matrix
and Incentive Plan for Sales team. Planned and executed strategy to manage liquidity even in tight cash market to support hyper
business growth. Hired, trained and retained best talent to deliver an outstanding results. Reengineered Branch Operation’s Processes
to minimize Customer’s TAT (Turnaround Time) and avert chances for fraud. Build strong compliance culture by enforcing global
AML policies. Repositioned Citigold priority banking. Re-launched existing products of Current Accounts, Saving Accounts, Term
Deposits Accounts and Advances with better propositions. Add variety of new products in menu such as Wealth Management, Bank
at Work and Bancassurance. Improve service & quality culture at all customers’ touch points.

Chief Executive Officer

Citi Housing Finance Co., Ltd February ‘02 – June ‘06

Headed Citigroup subsidiary for housing mortgage. Responsible to coordinate with regulatory authorities for its closure and
transferring its healthy portfolio on Citibank’s books without compromising on Customer Service plus cleaning up its residual
portfolio.

Vice President – Credit

Head of Online Authorisation (OLA)
Global Consumer Banking, Citibank Pakistan February ‘04 – May ‘04

Incharge of round the clock Online Credit Card’s approval authorisation unit. Responsible to manage and maintain credit card’s
authorization parameters in liaison with credit policy. Develop processes to minimize the Credit Risk and satisfy customers’ need.
Ensure smooth functioning of authorization services with required capacity.

Vice President – Credit

Head of Collection,
Global Consumer Banking, Citibank Pakistan November ’02 – May ‘04

Headed Collection department for all Consumer products (Credit Cards, Personal loans, Mortgage, Autos). Responsible to minimize
Net Credit Losses (NCL) and to evaluate risks and furnish continuous feedback on key characteristics to Credit Policy. Successfully
formulated and executed two-pronged Collection’s strategy of controlling delinquency and increasing recovery of written off loans.
Implemented effective controls in Collection processes. Developed & successfully managed Collectors’ Incentive plan to improve
collective performance. Designed automated Capacity plan and Collectors Evaluation process. Motivated team to perform and deliver
their best. Had been successful in delivering negative NCL month on month.

2
Vice President – Credit
Head of Account Fulfilment Unit (AFU),
Global Consumer Banking, Citibank Pakistan March ‘01 – May ‘04

Managed Credit Initiation Unit for processing applications of Credit Cards, Personal Loans, Mortgages, Autos and Credit Card
merchants Led team of high profile Credit Analysts & support staff. Responsible to make sure that credit approvals are done in
specified turnaround time without compromising on Credit guidelines. Made sure that timely training is conducted to Credit Analysts
of any changes made in credit criteria or policy. Provide continuous guidance and coaching to all credit staff. In addition managed
External Agencies such as Law firms, Properties & Vehicles Appraisers and Auto Dealers. Responsible to evaluate risks and furnish
continuous feedback on key characteristics to Credit Policy. Undertake management functions to improve the internal cohesion and
professional satisfaction of the whole unit. Planed Capacity of resources with respect to workload. Planed hiring & general training of
all personnel in the unit to enhance their individual & collective performance & build efficiency in all functions. Implemented
effective controls in loan origination and maintenance processes.

Vice President – Mortgage Business

Head of Mortgage Remedial Unit,
Global Consumer Banking, Citibank Pakistan August ‘99 – February ‘02

Headed a special remedial unit established to recover the outstanding amount from customers of running finance portfolio which had
weak documentation. Lead a team of top class relationship / legal managers. Developed strategy and settlement policies to bring the
customers back on the negotiation table and successfully convince them to pay off their obligations.

Vice President – Mortgage Business

National Sales and Collections Manager
Global Consumer Banking, Citibank Pakistan August ‘99 – February ‘01

Led a team of relationship managers who were responsible to sell housing mortgage products and do collection of up to 90 days of
delinquency. Developed sales strategy to book high quality loans. Gave training on Sales and Collection to RMs.

Resident Vice President – Credit

Head of Recovery & Legal Unit
Global Consumer Banking, Citibank Pakistan May ‘97 – July ‘99

Headed a team which was responsible to recover written off loans against Credit Cards & Auto Loans. Developed strategy to handle
such accounts where normal collection procedure failed. . Developed & Implemented Policies. Improved Recovery process. Worked
closely with regional office of RCC in Singapore to program and implement Recovery Management System (RMS).

SmithKline Beecham, Pakistan February ‘96 - April ‘97

Joined as Sales Development Manager for Hepatitis B preventive vaccines in non-medical institutions. The job requirement was to do
sales by "PULL" rather than "PUSH" approach. Successfully arranged mass vaccinations in corporate sector across Pakistan

Allied Dunbar Pakistan (Pvt.) Ltd February ‘95 – October ‘95

Worked as Financial Consultant, responsible to sell offshore mutual funds to high net worth customers by suggesting investment and
capital growth plans.

Harvest Topworth Investment Company November ‘93 - January ‘95

Worked as Forex Trader, responsible to sell high return investment and hedging plans to different clients.

Anis Alvi Watch Company October ‘86 - October ‘93

Self employed in family business, which comprises of imports, exports, repairing, assembling and manufacturing of watches, spare
parts of watches and watch tools.

Academic Qualifications:

1999 -- MBA (Finance) from Institute of Business Administration (IBA), Karachi

1986 – PGTP Attended one -year postgraduate training program in microprocessor-based system designing at Computer
Training Centre, Centre of Basic Sciences, U.G.C., Islamabad.
1985 – B. E. (Electronics) from NED University of Engineering & Technology, Karachi

3
Awards:

In 2006, CEO (EMEA) acknowledged performance of Citibank Pakistan's Branch Banking and awarded "Top EMEA
Performers Award 2006” under category of branch banking in EMEA Management conference.

In 2003, CEO (EMEA) acknowledged my superior performance of making an extraordinary contribution to the overall
performance and success of the Pakistan business in EMEA Management conference and awarded me "Consumer
EMEA Top Performer Award for 2003"

Special Assignments:
Guest reviewer with Citibank Audit and Risk Review team to audit Citibank, Australia in July 2003
Guest reviewer with Citibank Audit and Risk Review team to audit Citibank UK in July 2002
Visited Citibank Bahrain to help them in setting up Mortgage Business in July 2001

Training Conducted:

Numerous inhouse trainings conducted related to Credit and Sales.

Personnal Information:

Martial Status : Married

Date of Birth : 20th May 1962
Nationality : Pakistan