Mobile: (+968) 95247575

(+92) 333-5861417
e-mail:alybinzahid@hotmail.com
ALY BIN ZAHID

Executive Profile:
 Professional with highly diversified work experience in Consumer and Wholesale Banking with special focus
on customer services, relationship management and governance framework.
 Above areas have given me exposure to an extent, which would enable comprehensive understanding,
dexterity and proficiency in the core strategic operational tasks at all levels.
 My leadership skills pertaining to various management levels have conditioned my team leading abilities to
nurture in a proactive, motivating and solution oriented manner.

Employment History:
HBL Oman Nov 19 till to-date
Head of Business, Muscat, Oman
 Strategy: Partner with the Country CEO and the Regional Head and Head office to develop and execute
the Business strategy for the Country
 Performance: Deliver performance in line with strategy and budget for Business in the country
 Change management: Champion and coordinate the change management programme required to meet the
Group’s performance targets and to implement client- facing change (e.g. rolling out the redesign of major
processes)
 People and Talent: Appoint and develop a strong Country Business team and ensure the Commercial
training agenda is executed effectively across the business
 Risk Control and Conduct: Ensure the execution of effective controls across the Country business, in line
with the Group's strategy, risk appetite and governance processes. Ensure the business behaves with
consistently high standards of conduct
 Represent CEO at different forums in his absence related to internal and external forums.

Employment History:
Standard Chartered Bank Jan 16 till April 18
Head of Commercial Banking, Muscat, Oman
 Strategy: Partner with the Country CEO and the Regional Head, Commercial Banking to develop and
execute the Commercial Banking strategy for the Country
 Performance: Deliver performance in line with strategy and budget for Commercial Banking in the country
 Change management: Champion and coordinate the change management programme required to meet the
Group’s performance targets and to implement client- facing change (e.g. rolling out the redesign of major
processes)
 People and Talent: Appoint and develop a strong Country Commercial Banking management team and
ensure the Commercial training agenda is executed effectively across the business
 Risk Control and Conduct: Ensure the execution of effective controls across the Country Commercial
Banking business, in line with the Group's strategy, risk appetite and governance processes. Ensure the
business behaves with consistently high standards of conduct

Standard Chartered Bank July 10 till Dec 15

Head of SME, Muscat, Oman
 Developed and implemented the team infrastructure and started the business of Small and Medium
enterprises in Oman.
 The team comprises of 15 staff, RM’s, ARM’s, Service, e-cdd analysts and operational risk.
 Responsible for building and managing a portfolio of assets and liabilities within segment guided by credit
policy, revenue and target frame work for Small and Medium Enterprises Oman.
 In addition to interest and fee income, responsible for Trade income, Cash Management, and Treasury
inflows for the portfolio through account planning and product partners calls and strategy.
 Responsible for managing and guiding team constituting Relationship Managers, Business Development
Manager, Assistant Relationship manager and Officers to meet deliverables in raising and managing the
portfolio for the borrowing and non-borrowing relationships.
 Role involves market mapping, generating leads, marketing, team guidance, structuring limits as and when
required and seeking approval at designated levels.
 Scope of work focuses on Muscat, Oman.
 Current portfolio built-up over the last three years consists of 71 borrowing customers with limits of USD
130 million and outstanding of USD 55.0 million.
 This is five year of the business with a CAGR growth of over 40% on YoY basis.
Barclays Bank UAE Nov 07 till July 10
Business Manager, Mid-Corp, Business Banking and SME, Abu Dhabi
 Responsible for building and managing a portfolio of assets and liabilities within segment guided by credit
policy, revenue and target frame work for Mid-Corp, Business Banking and SME Abu Dhabi.
 Booked a portfolio of AED 330 million of assets and AED 100 million of liabilities.
 In addition to interest and fee income, responsible for Trade income, Cash Management, Work Place
Banking and Treasury inflows for the portfolio through account planing and product partners calls and
strategy.
 Responsible for managing and guiding team constituting Relationship Managers, Business Development
Manager, Assistant Relationship manager and Officers to meet deliverables in raising and managing the
portfolio for the borrowing and non-borrowing relationships.
 Our unit acquired new to bank 40 borrowing relationships and 45 non-borrowing relationships.
 Role involved market mapping, generating leads, marketing, guiding team; Structuring limits as and when
required and seeking approval at designated levels.
 Developed and assisted for the rent discounting proposal for UAE.
 Scope of work focuses on Abu Dhabi as well as some clients in Dubai.

Standard Chartered Bank UAE Oct 05 to Nov 07

Associate Director, Transactional Banking Sales
 Looked after transactional banking sales for cash and trade Abu Dhabi UAE.
 Portfolio consists of deposit in excess of AED 1 billion, collection and payment mandates of AED 12 billion
and AED 7 billion respectively.
 Helped solicit new accounts.
 Provided information to customers on different products and services of the bank.
 Maintained and expanded existing accounts.
 Identified opportunities and created altered structures for the customers.
 Identified new areas where business can be developed.
 Migrated and sell 119 contracts of Straight 2 Bank in the first year to the corporate clients.

Standard Chartered Bank Pakistan Oct 04 to Oct 05

Floor Manager, Consumer Distribution
 Handled sales and service team and branch Budgets
 Maintained adequate and reliable product knowledge levels in sales teams
 Identified new areas where business can be developed
 Official backup to the Branch Manager
 Ensured compliance, business practices, and sales tactics
 Ensured maximum resource utilization
 Reviewed Key performance indicator of sales and service
 Maintained customer/prospect communication and relations
 Conducted prospect with large/institutional business segments
 Monitored, resolved and reported all customer/prospect complaints whether service or product related
 Implemented staff vigilance measures to monitor practices and report any abnormalities to the management
 Collected and developed an authentic database of prospective clients

Standard Chartered Bank Pakistan June 2001 to Oct 04

Unit Head – Sales North, Financial Institution
 Generated annual revenues in excess of USD 1 Million through inbound and outbound institutional business
from clients in Punjab and NWFP provinces.
 Marketed trade, cash, clearing and electronic payments products to local financial institutions
 Responsible for financial analysis and preparation of credit applications for financial institutions
 Liaised with SCB syndication teams to sell down Pakistan risk to overseas institutional investors
 Guided, trained, developed and motivated team of support staff to ensure the highest standards for
customer service
 Utilized cross-border limits optimally and leverage off these limits to maximize non-risk trade, payments and
other business from customers
 Built SCB brand awareness in Punjab and NWFP provinces through a structured marketing campaign
coupled with an effective client service & support structure
 Developed relationships with local banks and financial institutions for business development
 Arranged local and overseas seminars for client banks
 Marketed IB products to local banks
 Ensured prompt resolution of customer problems/queries and maintain consistently high standard of
customer service
 Ensured timely preparation and submission of scorecards and limit applications for local banks
 Monitor utilization of approved Pakistani bank limits
Standard Chartered Bank Pakistan July 2000 to June 2001
Business Development Manager, Financial Institution
 As a founder member of the Institutional Banking function at SCB Pakistan Lahore, built local market
awareness of the Bank's local and international strengths
 Assisted IBG Relationship Manager in all administrative matters including preparation of Bank’s limit
applications, limit monitoring, excess approvals, enhancement for credit lines etc.
 Acted as backup for Relationship Manager for problem handling/resolution.

Standard Chartered Bank Pakistan March 2000 to July 2000

Business Development Executive, Consumer Unsecured Loans
 Worked for Consumer Bank in the Personal Loan Department for Asset Sales.
 Consistently achieved individual targets, total loan amount disbursed due to my efforts stood at Rs. 6
million, to 50 new customers.
 Actively involved in the cross selling of Bank’s other products including deposits.
 Identified and added through proposals to the credit department a number of new companies to the list of
approved companies.

Education
Master’s in Business Administration [Finance], University of Peshawar, Pakistan - 1999
Degree with Scholastic Honours, Cumulative GPA: 3.8

Bachelor of Arts [Economics & Law], University of Peshawar, Pakistan - 1996

Internships
Standard Chartered Bank Pakistan Nov 1999 to Feb 2000
Intern, Corporate Banking Department
 Assisted relationship managers in conducting the risk management process performed financial analysis
covering company and industry analysis.
 Team Member of Cash Management Project.
 Assisted in preparation of Limit applications.
 Involved in deposit mobilization.

Bank of Khyber Pakistan June1998-August 1998

Intern, Treasury
Understood and worked in the practical environment of banking operations with special focus on:
 Money Market Operations.
 Transfer of Funds.
 Placement of Funds

Software Skills
 Operational knowledge of Windows, MS Office, MS Explorer & Netscape.
 Worked on software’s for the preparation of financial statement analysis e.g. FAMAS, credit mate