Arooj Azad
Calgary,Canada
Summary
Extensive experience in high-volume branch operations, small business and commercial credit, trade services, and customer experience management within leading financial institutions. Certified Junior Associate from Institute of Bankers Pakistan (JAIBP) with specialized training in financial modeling, power purchase agreements, and tariff calculation methods. Proven ability to drive business development and enhance operational efficiency in the renewable energy sector.
Overview
19
19
years of professional experience
Work History
Relationship Manager
MCB Bank
Karachi, Pakistan
07.2024 - 04.2025
- Maintain credit relationships, network with manufacturing businesses,
- Credit proposals, due diligence, and follow-up from approval chain,
- Liaise with processing centers, Risk Mgt, and credit admin units for disbursement,
- Monthly reporting, quarterly visits, Knowledge transfer within the team, audit preparation,
Relationship Associate
JS Bank
Karachi, Pakistan
10.2023 - 06.2024
- Maintain and expand credit relationships, network with local businesses for brand visibility, new clients, new lending opportunities, and escalation of issues,
- Preparation of proposals with completeness and accuracy, analysis, due diligence, and follow-up for approval,
- Liaise with processing centers, the risk team, and credit admin units to provide a holistic solution,
- Identified customer needs, developed customized solutions, and provided knowledgeable advice,
- Daily operations including import payments from credit lines, export payments, facility renewals, and branch services.
Area Credit Hub, Branch Trade Team
Bank AL Habib
Karachi, Pakistan
01.2021 - 09.2023
- Asset sales, proposal prep., and due diligence for small business clients,
- Import & Export transaction due diligence under Open Account, Advance Payment, Letter of Credit,
- Outward Foreign Remittances, Term Deposit sales, and Periodic reports.
Branch Operations
Bank AL Habib
Karachi, Pakistan
04.2015 - 01.2021
- CUSTOMER SERVICE: Interfaced with Tier 1 and Tier 2 customers to log and resolve complaints,
- Periodic reports on complaint resolution to the mgt and the regulator,
- Live trainings and workshops on complaint handling and Key Performance Indicators, Customer treatment guidelines, and Service Quality to Branch Managers and Area compliance team,
- BUSINESS CONTINUITY MANAGEMENT: Aug 2017 to Sept 2018: Business Continuity drills, feedback, equipment allocation, periodic reports,
- BRANCH OPERATIONS: Sept 2018 to July 2021: Core banking, deposit solicitation, and postings.
Finance Manager
Habibullah Energy Ltd
04.2014 - 03.2015
- 10MV Solar (PV) Energy Project: Financial Model: assumptions, model inputs, model outputs, sensitivity analysis,
- Wind Power Generation Farm: Analyzing company accounts, project accounts, administrative and corporate secretarial tasks.
Ratings Analyst
JCR-VIS Credit Rating Company
06.2012 - 11.2012
- Analysis and drafting of rating reports of insurance and leasing companies,
- Co-authored quarterly Sector-wide reports on risk profile of the power generation sector,
- Co-authored a Sovereign Rating Report on behalf of International Islamic Rating Agency, Bahrain.
Assistant Manager
Shahzad Intl Grp of Companies
01.2010 - 05.2012
- Project level risk identification and analysis in defense and non-defense ventures.
- Contributed to several successful defense (Pakistan Air Force) hardware upgrade proposals.
- Feasibility analysis of non-defense projects in power generation sector related to urban residential and commercial grid-supplementation projects.
Finance Associate
Velika Realty, Canada
07.2007 - 12.2009
- Project Accounting, Inventory, Market research on real estate projects in Ottawa and surrounding towns.
- Evaluated renovation, remodeling, construction and leasing proposals as well as Government financial assistance programs for businesses.
Intern
Peace Dividend Trust, Canada
02.2007 - 05.2007
- Local procurement consulting to foreign contractors in Afghanistan, Conducted Info. sessions in partnership with local banks for promotion of local and foreign trade services.
Intern
JS Investments
05.2006 - 08.2006
- Compliance and Risk Mgt of Open-Ended Mutual Funds, Calculation of Net Asset Value of Open and Closed funds, Compliance monitoring of exposure limits in Balanced funds, monthly Fund Managers Report for customers in prescribed format.
Education
Master of Science - Cost-benefit analysis, Trade Law, Project Management protocols and tools
Univ Of Engg & Tech, Taxila.
Islamabad, Pakistan12.2013
Bachelor of Arts - Basics, Econometric analysis methods, quality management electives
Carleton University
Ottawa, Canada11.2007
Skills
- Credit relationship management
- Proposal preparation & Due diligence
- Risk assessment
- Financial analysis
- Customer needs identification
- Regulatory compliance
Specialized Training Skills Affiliations
- Banking certification from Institute of Bankers Pakistan (JAIBP)
- Active membership in Toastmasters International
- Microsoft Office, Google Docs, GUST
Professional Highlights
- Diversified experiences in mainstream high-volume Branch Operations, Small Business credit, Commercial credit, Trade Services, Customer Experience Management, Business Development, with a leading Commercial Bank, Asset Management, and a Rating Agency
- Junior Associate certification from Institute of Bankers Pakistan (JAIBP)
- Specialized education in financial model-building, power purchase agreement, tariff calculation methods, and project management tools and protocols for renewable energy sector
Accomplishments
Junior Associate-Institute of Bankers Pakistan.
Affiliations
Membership in Toastmasters.
Timeline
Relationship Manager
MCB Bank
07.2024 - 04.2025
Relationship Associate
JS Bank
10.2023 - 06.2024
Area Credit Hub, Branch Trade Team
Bank AL Habib
01.2021 - 09.2023
Branch Operations
Bank AL Habib
04.2015 - 01.2021
Finance Manager
Habibullah Energy Ltd
04.2014 - 03.2015
Ratings Analyst
JCR-VIS Credit Rating Company
06.2012 - 11.2012
Assistant Manager
Shahzad Intl Grp of Companies
01.2010 - 05.2012
Finance Associate
Velika Realty, Canada
07.2007 - 12.2009
Intern
Peace Dividend Trust, Canada
02.2007 - 05.2007
Intern
JS Investments
05.2006 - 08.2006
Master of Science - Cost-benefit analysis, Trade Law, Project Management protocols and tools
Univ Of Engg & Tech, Taxila.
Bachelor of Arts - Basics, Econometric analysis methods, quality management electives
Carleton University
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