Muhammad Waseem Khan

I bring 17 years of robust background in credits, sales, and marketing positions across banking and pharmaceutical industries. I have successfully launched innovative products like Business Mortgage Finance, Low-Cost Housing Finance, and Renewable Energy Equipment Finance. I have a thriving track record of guiding credits, sales, and marketing teams to achieve assigned targets and organizational objectives for the short and long term. I am proficient in ensuring that administrative duties, credit checks, reports, documentation, and returns are completed accurately and submitted within stipulated timelines to maximize profitability.

My educational qualifications include an MSc in Banking & Finance from the University of Huddersfield, England, an MBA in Finance & Banking, and an MA in Political Science. My MSc dissertation is on SME financing, and I achieved distinction in it and in all core subjects of banking. Having worked with diverse teams and environments, I thrive on embracing new challenges in credits, mortgages, retail, marketing, and product management. My adaptability and enthusiasm for continuous learning and professional growth make me confident in taking on new opportunities with a positive and proactive approach.

Manager – Housing Finance  

Bank AL Habib Ltd.

18th January 2021 till date: Lahore Zone (On 24 month sabbatical till 15th September, 2025)

• Assisting SME Credit Committee in underwriting, preparing, presenting and sign-off on Government Financing Schemes, HF, Renewable Energy Equipment Finance and Staff Finance initiatives.
• Supervision and administration of end-to-end loan application process management.
• Trainer for MTOs, GBOs, and refresher sessions in Mortgages & Govt. Schemes at BAHL TMDD Lahore.
• Successfully launched and manage AL Habib Renewable Energy (Solar) Equipment Finance.
• Achieved MPMG & Housing Finance Targets for 2021, 2022. 
• Directly supervising HF business of 120 Conventional & 40 Islamic Banking Branches through Retail Credit teams placed across 12 Area Offices of Lahore Zone.
• Provide technical support to Multan, Faisalabad & Gujranwala Zones
• Expert in promotional activities at expos and the Bank’s corporate customer premises to boost business
• Represent the Bank at Conferences & Exhibitions to ensure business diversity

Relationship Manager - Home Musharakah

Bank Alfalah Islamic 

18th May 2018 till 15th January 2021: in Consumer Banking Group of Islamic Banking Division Lahore

• Underwriting, including customer profile (CP) generation, loan origination, limit, collateral inputs and approvals
• Home Musharakah Sales in Direct Marketing & Branch Banking Modules, where managed over 36 Branches
• Alfalah Green Energy (Solar Finance) – Part of launching team. End to end sales process management

Sales Manager

Mass Pharma (Pvt.) Ltd.

7th March 2013 to 5th Jan 2018: Gujranwala Division, Jehlum and Mirpur

• Ensured profitability of the Company’s all four business groups in Gujranwala Division, Jehlum, and Mirpur
• Developed and managing Corporate Relations with leading hospitals & Doctors’ Chambers
• Steered a Salesforce of Regional Managers, Distt. Managers, Business Development Officers
• Contributed to business through organizing conferences, CMEs, and family fairs
• Ensured availability of adequate inventories at all distributors
• Ensured positive ROI for all chambers, pharmacies, and distributions
• Increased profitability by 12% through restructuring sales discounts and expense sheets

Relationship Manager 

United Bank Ltd. (Formerly Silkbank Limited, merged and acquired by the UBL)

15th Oct. 2011 to 7th March 2013: Branch Assets & Liabilities based at Gujranwala, Pakistan

Asstt. Product Manager 

United Bank Ltd.

5th May 2008 to 08th October 2011: ATMs & Centralized Systems (ADCs) based at Head office Karachi, Pakistan

Relationship Associate/RM in Commercial Assets

United Bank Ltd.

5th May 2008 to 5th Oct. 2010: SME Commercial Credits based at Gujranwala Regional Office, Pakistan

Assistant Credit Analyst Commercial Mass Markets

NIB Bank Ltd. (Merged into MCB Bank Ltd.)

2nd January 2008 to 28th April 2008: Commercial Mass Markets (Microfinance) Karachi, Pakistan

Senior Relationship Officer 

Citibank N.A. Pakistan

26th April 2007 to 1st January 2008: Mortgage Business Unit (MBU) based at Karachi, Pakistan

• MSc Banking & Finance: The University of Huddersfield, England (Distinction in dissertation & 6 core subjects)
• MBA (Finance & Banking): PAF–KIET (Distinction in dissertation)
• MA (Political Science): The University of Karachi
• BSc (Hons.): The University of Karachi