Shahzad Nazir Khan
PROFILE
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Address: 501, Lona Residency, Clifton 1, Karachi, Pakistan.
Email: shahzadnazir77@yahoo.com
Cell: 0092-321-9499282
A business management professional with over 10 years of experience with core expertise
with the Banking Sector
Specialized exposure with leading Financial Institutions in Pakistan & Middle-East
An effective communicator with a high capacity to build lasting relationships and develop &
execute strategic initiatives in highly challenging environments.
CORE
COMPETENCIES
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Strategic Planning
Business Analytics & Research
Value Proposition Development
Project Management
CAREER
SNAPSHOT
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KASB Bank Ltd.
Credit Manager – Country Credit Division
Head of Risk Management (Additional Charge)
National Commercial Bank (Kingdom of Saudi Arabia)
Product/Segment Manager – Business Banking
Standard Chartered Bank
Group Product Manager - SME Retail Banking
Mayfair Group
Business Development Manager
Azgard 9 Denim Textile (Pakistan)
Brand / Business Development Manager
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EDUCATION
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CAREER
PROFILE
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Financial Planning & Forecasting
Recruitment & Training
Marketing & Communication
Sales Force Management
Lahore University of Management Sciences (Pakistan)
Masters Business Administration (MBA)
University of Punjab (Pakistan)
Bachelor of Commerce
KASB Bank Ltd. www.kasbbank.com
Credit Manager(Country Credit Division)
Grade: Vice President
Reporting to: Country Credit Head
Mar 2010 – Present
Sep 2007 - Nov 2009
Jan 2005 - Sep 2007
Dec 2002 - Dec 2003
Aug 2001 - Sep 2002
2001
1998
Mar 2010 – Present
Job Description
Recommend approval/rejection of Corporate & Commercial Banking credit proposals for
initiation, renewal or enhancement of credit facilities extended to the customer. Suggest &
implement improvements in credit policy & procedures.
Responsibilities
 Analysis of credit proposals, by conducting Market, Management, Financial, Economic &
Regulatory Environment analysis and gap assessment.
 Collection of information from Relationship Management teams for proper analysis of
proposal and adherence to Bank's policy & Prudential Regulations
 Recommendation of decision on credit proposals based on the analysis conducted; to
determine viability of specific credit proposal
 Review reports from field to scrutinize post-disbursement quality of assets
 Evaluation of compliance to credit policy and process and internal waiver requests, if
required, and suggest appropriate terms to bring risk within appropriate exposure level
 Contributing to product development and Credit Automation process
Head of Risk Management (Additional Charge)
Grade: Vice President
Reporting to: President & CEO
July 2013 - Present
Job Description
Responsible for developing and managing a risk policy framework and risk strategy for the bank.
The objective of the role is to optimize market risk, credit risk and operational risk for the entire
bank and ensure implementation of risk policies in accordance with the Basel requirements.
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Develops and implements risk strategy which supports business objectives and priorities;
across all segments and operations
Monitors and analyses bank’s risk exposure on an ongoing basis and highlights any areas of
concern.
Reviews, evaluates and manages the risk associated with the minimum capital requirements
Responsible for implementation of the Basel Accord for managing credit, market and
operational risks across the bank.
Ensures a prudent level of portfolio diversification in order to minimize risk
Chief of Staff – President & CEO Office
Grade: Vice President
Reporting to: President & CEO
June 2012 – Feb 2013
Job Description
Provide strategic & operational oversight for the Office of the President. Assist in providing
coordination and direction on credit review, human resources, financial planning & forecasting,
review of business initiates and spearhead project management.
Responsibilities
 Review Credit proposals that are submitted to the President Office for approval via assessing
key financing parameter, bank’s credit appetite , risk to return/yield and compliance with
both internal and regulator policies and guidelines
 To monitor, update, and report the progress and status of Classified Accounts
 Facilitate the development, review, and analysis of the Annual Operating Plan
 Executive project oversight: Acts on the authority of the office of the CEO to oversee
strategic projects and report progress, constraints, and impact
 Cross Functional MIS Analysis and decision support
Sr. Product Manager – Commercial Banking Group
Grade: Vice President
Reporting to: Group Head Commercial Banking
Mar 2010 – June 2012
Job Description
Development of new products and initiatives from conceptual design to market delivery for
Commercial Banking Group (CBG)
Responsibilities
 Management of existing Assets Product Portfolio at country level, ensuring positive portfolio
health, profitability, and deepening.
 Lead the Commercial Credit Center initiative from an Operational and Strategic perspective.
 Lead a team of Relationship Managers & Officers located at the 4 Credit Centers
 Launch of Bancassurance, Senior Citizens Program and Dairy Financing initiatives
 Liaison with Branches to develop an effective credit referral channels
 Formulate the Marketing strategy, develop branding &marketing collaterals, and conduct
Sales Training for CBG Products& Initiatives
 Coordinate and analyze market & competitor intelligence
National Commercial Bank (KSA)www.alahli.com
Product / Segment Manager – Business Banking
Reporting to: Head Business Banking
Sep 2007 - Nov 2009
Job Description
To manage the existing product portfolio and identify new customer value propositions that can
then be converted into product offerings to support growth of the Business Banking segment
across the Kingdom of Saudi Arabia.
Responsibilities
 Ensure overall business direction through identification of key strategic sub-segments for
tapping profitable & quality business opportunities and launching new initiatives/ products
for Business Banking in KSA.
 Lead the development of systems & processes for efficient transaction processing &
information capturing through interaction with product partners, credit approvers,
marketing unit, other value centers, wholesale banking and service delivery units.
 Own the formulation of the entire Marketing strategy, develop Branding and marketing
collaterals for Business Banking segment in-line segment dynamics and growth objectives
 Develop product kits for new products and also ensure, on an ongoing basis, that all
documentation remains standard and effective whilst adhering to internal regulations.
 Coordination with Risk Management in monitoring portfolio health, credit policy, and
processes
 Structure, analyze and report on product performance and analysis of the competitive
landscape from market research, analysis, to incorporation in the business strategy and
approach.
Standard Chartered Bank www.standardchartered.com.pk
Group Product Manager – SME Retail Banking
Reporting to: Head SME Banking
Jan 2005 - Sep 2007
Job Description
Manage relationships and lead regular communications with product managers to ensure solid
understanding of business initiatives &portfolios and support communication of same, by
providing recommendations and advice on strategic and operational aspects of the SME
program product business.
Responsibilities
 Develop, recommend, manage, and implement Product strategies for the SME segment
working in partnership with Sales, Branch Banking, Risk Management and Marketing.
 Participate in Products goal setting (growth, Financial profitability, and cost trend) and
continually monitoring and driving the sales process to ensure these goals are met
 Develop the Business Cases for potential new products and services that contain financial,
sales, and growth projections developed from market research and input from distribution
channels
 Oversee all aspects of identifying, obtaining approval and implementing strategic projects
involving new product offerings
 Develop and execute market plan for the Product Portfolio inclusive of Research, analysis
and developing strategic marketing direction to expand market penetration.
 Work effectively with the front line in stimulating a strong credit culture
Mayfair Groupwww.mayfair.com.pk
Business Development Manager
Reporting to: CEO
Dec 2002 - Dec 2003
Responsibilities
 Manage strategic business expansion plans for the confectionary and textile business
 Developed financial model combined with Market Analysis, Risks, and International Sales
Opportunities for expansion projects
Azgard 9 Denim Textilewww.azgard9.com
Aug 2001 - Sep 2002
Brand/ Business Development Manager
Reporting to: CEO
Responsibilities
 Development of apparel business plan, brand strategy and manage the UK Region
Merchandising team managing sales, customer relationships, order management, Market
Research & Product development.