Sadiq Raza Muhammad
Banker
Vaughan,ON
Summary
Business leader with expertise in Sukuk structuring, sales, and international loan financing. Successfully established the Investment Banking Division at Dubai Islamic Bank, leading a high-performing team. Achieved significant growth in loan portfolios while consistently exceeding budget targets. Proficient in risk management and fostering strong client relationships to deliver customized financial solutions in global markets.
Overview
39
39
years of professional experience
1
1
Certification
Work History
Business Head – DCM & International Financing
Dubai Islamic Bank
Dubai , UAE
01.2013 - 03.2025
- Originated and executed Sukuk (Bonds) and syndicated financings, arranging 72% of USD 38 billion deal volume in 2024.
- Achieved 144% year-over-year growth in cross-border loan portfolio, reaching USD 6 billion by mid-2024.
- Overachieved team budget by 185%, driving significant financial success.
- Led Dubai Islamic Bank DCM franchise, maintaining top rank in Worldwide USD International Sukuk (Bond) market since 2015.
Business Head- Financial Institutions & SF
Dubai Islamic Bank
Dubai, UAE
01.2007 - 01.2013
- Established Financial Institutions strategy, managing new FI products with a focus on compliance and AML requirements.
- Managed structured finance and project finance portfolios, generating transactions valued at approximately US$4 billion.
- Oversaw existing portfolio worth US$1.4 billion while ensuring risk mitigation.
- Exited risk positions valued at US$700 million through proactive credit assessment, avoiding market default.
Head – Medium Term Programme, Islamic Corporation of Insurance of Export Credits
Islamic Development Bank Group
Jeddah , Saudi Arabia
01.2004 - 01.2007
- Grew portfolio in Middle East and North Africa by 275%, increasing value from US$800 million to US$3,000 million with zero non-performing assets.
- Established strong relationships with major clients, including Saudi National Bank, al Rajhi Bank, SABIC, Saudi Electricity, and PIF.
- Developed and managed Investment Promotion Program for ISDB Group in collaboration with MIDA.
- Prepared strategy and budget for Investment Promotion Program, securing necessary approvals from ISDB.
Financial Services Manager
Export Development Canada
Ottawa, ON
07.1997 - 06.2004
- Managed financing operations within Telecom industry, leading a team to address client needs effectively.
- Delivered tailored financing solutions and credit insurance for clients and Canadian banks on international receivables.
- Facilitated Political Risk Insurance arrangements for significant international projects, assuring robust coverage.
- Coordinated with Canadian banks and clients to facilitate insurance policy arrangements, improving client retention.
Unit Head | Global Corporate Coverage
Standard Chartered Bank
Karachi , Pakistan
01.1996 - 01.1997
- Executed management of corporate accounts at Standard Chartered, providing extensive financial services in Pakistan.
- Supervised major clients like P&O Ports, American Home Products, and ICI to deliver personalized solutions.
- Spearheaded first Project Finance transaction for Qasim International container terminal alongside SCB teams from Sydney and London.
Unit Head | Corporate Banking
Credit Agricole
Ho Chi Minh City, Vietnam, Karachi, Pakistan
01.1992 - 01.1996
- Managed international clients for Credit Agricole in Pakistan, Thailand, and Vietnam, delivering comprehensive financial solutions.
- Facilitated cross-border debt financing for Vietnamese clients from ASEAN countries to strengthen relationships.
- Established connections between Credit Agricole's international clientele and local industries, driving business growth.
- Oversaw global client management for Credit Agricole in Pakistan, ensuring satisfaction and service excellence.
Branch Manager - Corporate
BCCI & National Bank of Oman (Secondment)
Muscat, Oman , Karachi - Pakistan
01.1986 - 01.1992
- Managed third largest branch by assets at National Bank of Oman, overseeing Oman treasury and corporate client relationships.
- Achieved top revenue generator status among 52 branches by transforming a loss-making branch into a profit center.
- Secured new major corporate clients to drive growth and strengthen competitive positioning.
- Delivered diverse retail offerings, including personal loans and auto financing, to broaden service options.
Education
Master - Business Administration - Finance and Marketing
Institute of Business Administration
Karachi, PakistanSkills
- Business development and market analysis
- Sukuk structuring and syndicated financing
- Cross-border loans and project financing
- Risk management strategies
- Team leadership and strategic planning
- Portfolio and client relationship management
- International business expertise
- Aviation financing
- Restructuring
Certification
- Canadian Securities Certification
- Credit Skills Certification from Robert Morris Associates.
- Intuition certification of Merit - Credit Analysis, Equity Markets, Corporate finance, Bond markets & Project Finance.
Awards
Business Division of the Year, Dubai Islamic Bank, Mar 2022, The highest revenue generator of all the departments of the Bank
Languages
English
Professional
Urdu
Professional
References
References available upon request.
Timeline
Business Head – DCM & International Financing
Dubai Islamic Bank
01.2013 - 03.2025
Business Head- Financial Institutions & SF
Dubai Islamic Bank
01.2007 - 01.2013
Head – Medium Term Programme, Islamic Corporation of Insurance of Export Credits
Islamic Development Bank Group
01.2004 - 01.2007
Financial Services Manager
Export Development Canada
07.1997 - 06.2004
Unit Head | Global Corporate Coverage
Standard Chartered Bank
01.1996 - 01.1997
Unit Head | Corporate Banking
Credit Agricole
01.1992 - 01.1996
Branch Manager - Corporate
BCCI & National Bank of Oman (Secondment)
01.1986 - 01.1992
Master - Business Administration - Finance and Marketing
Institute of Business Administration
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