The document provides a resume for Aashique Hussain, including his contact information, nationality, education background with a Master's degree in business administration, and work experience including current and past roles managing sales, marketing, risk management, and collections for real estate and financial companies. It also lists his core competencies and skills, and certifications and trainings related to banking, finance, and management.

1. 1
Aashique Hussain
Dubai-UAE
M: 00971553133215
E:hussainaashique@yahoo.com
Skype ID: aashique-hussain
Nationality: Pakistani
DOB : October 29,1973
Visa Status : Visit Visa
HEAD REMEDIAL ASSETS MANAGEMENT / MARKETING & SALES
HEAD / RISK ANALAYST/MIS & BI MANAGER/BANKER
Academically qualified, Masters of Business Administration MBA, Majors in Banking &Finance
And, track record of delivering results in areas of Credit Management, strategic budgetary &
planning, MIS reporting, Debt management, Risk management, Litigation and financial information
services. Success record of achieving the integrating systems & processes to increase productivity,
reduce costs, improving quality and timeliness of management & mitigating risk. Enthusiastic and
dynamic personality with excellent analytical, problem solving, management, people supervision and
organizational skills. Also a financially astute team leader with proficiency in grasping new concepts,
developing innovative and creative solutions to problems, works well under significant pressure and
demonstrating high levels of motivation to meet deadlines. I have had rich experience of recoveries,
Risk management, Business Intelligence and litigation, well versed with Accounting, Finance and
Banking Software.
CORE COMPETENCIES
Collections and Recoveries ▪ Excellent Communication and interpersonal skills ▪ Fair Debt Collection ▪
▪ Financial Audit ▪ Auditing and Monitoring Procedures▪ Legal and Financial Regulation ▪ NPL
Management ▪ Logical and balanced approach ▪ Team Work and respect ▪ Customer Relationship
Management ▪ Interdepartmental Coordination▪ Risk Management.
Skills
Risk Management Management Personal
Risk Mitigation Predicting future trends Attention to detail
Credit Analytics Supervisory skills Communication skills
Credit Initiation Financial regulations Good IT knowledge
Financial forecasting Decision making Presentation skills
MIS Managing budgets Problem solving
Interpreting financial data Effective delegation Analytical mind
Auditing Conflict resolution High levels of integrity
Ratio Analysis Negotiating

2. 2
Education and Qualifications:
 Masters of Business Administration Major: Banking & Finance
Institution: Allama Iqbal Open University – ISLAMABAD IN 2012
 Bachelors of Commerce Major:Finance,
Institution: University of the Punjab, Lahore-Pakistan in Aug-1996
Present Position:-
January 2016 – Present
Company : AL HIJJAB REAL ESTATE MARKETING AND CONSULTA NT
Role : Head Sales & Marketing
Status : Full Time
Role Summary:-
As head of the marketing department, the director oversees all communications, public relations and
promotional activities selected to support the brand and marketing strategy. This includes design,
production and distribution of print materials such as brochures, ads and direct response plus radio and
television spots needed for broadcast campaigns. In line with the need to keep the brand in front of the
target audience, the marketing director manages press relations, speaking engagements, special events
and community outreach activities. Website maintenance, social media participation and trade show
exhibitions represent additional tasks supervised.
The marketing director supervises a staff of professionals and serves as an internal consultant to any
business units within the corporation. Staying informed about marketing trends and monitoring industry
changes helps marketing directors maintain their firm's competitiveness. As keeper of the brand, the
director often attends client presentations and helps prepare request for proposals, or RFPs, used to pitch
new business.
Career History
October 2015 – December 2015
Company : First Solution Management Service – (Dubai) UAE
Role : MIS and IT Manager
Status : Full Time
First Solution Management Services is the best company in debt management. We are dealing with
outsource Collection Management and Sales Management. We are dealing with Etisalat , ADIB, NBD Bank
and other banks portfolios.
Perform in depth analysis of market dynamics as well as portfolio/culture changes and their impact on
risk.
 Manage the development &amendment of credit MIS and Analysis in order to optimize the risk-reward
equation i.e. maintaining predictable and acceptable credit loss.
 Drive the MIS team in a strategic manner to get the hourly/daily reports of Collection agent’s
performance.
 Evaluate proposals for new product features/assets and lying down appropriate credit policies and
procedures.

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 Analyze MIS to ensure quality of the portfolio with regards to risk and validate appropriateness of
credit policies.
 Ensure adequate and consistent monitoring and review of portfolio quality.
 Ensure adherence and effective updates and tracking of portfolio changes and behavior
 Close co-ordination with clients for their required analysis.
 Provide the portfolio tracking to clients with analytic views
 IT System development
 Collections Operation Management
 Quality Assurance Management
Proven Job Role
_______________________________________________________________________________________________
March-2010 – September 2015
Company : United Bank Ltd - Pakistan
Role : AVP / Cluster Head – Remedial Assets Management
Status : Permanent
 Track and manage the Commercial Assets and Agriculture NPLs, and Management of Business Line portfolio on
a daily, weekly & monthly basis. Prioritize resources as required.
 Management of Legal portfolio of Retail Bank Collection at Country Level
 Take measures to improve efficiency of RB collection staff
 Create Synergy among the all stakeholder specially Business Team.
 Provide logistical support to the team to achieve their goals
 Actively liaise and direct the legal and recovery department to pursue litigation on defaulting customers in an
effective and timely manner.
 Implement processes and provide feedback on policies / procedures to minimize incidence of NPLs in light of
Current Trends.
 Performance reviews of all staff
 Attainment of feedback from immediate supervisors
 Capacity planning as per business requirement
 Supervision of hiring of competent and experienced staff
 Conduct regular team meetings to provide coaching and share information
 Establish a monthly expense review process. Highlight and resolve anomalies if any
 Identify opportunities for expense reduction and efficiency gains
 Perform self-assessment of key processes in all departments
 Mange regulatory and internal audits.
United Bank Limited
Regional Collection Manager
July 2004 to Feb-2010
Responsibilities & Achievements
• To manage the Cards, Auto, Personal Loans, Cash line, Home Loans and Business Line in Faisalabad and
Sargodha Regions in an effective manner so as to control the net flows and maintain delinquencies / NCL within
the assigned level.
• Management of provision buckets within assign targets.

4. 4
• Managing the team of more than 90 people including 21 FTEs staff.
• Train and motivate individuals in order to improve their personal and collective performance.
• Carry out self-assessment and improve the functional performance of all shops to meet scrutiny of internal and
external audit.
• Formulate effective operational / collection strategy and pursue its implementation and improvement through
regular reviews.
• Carryout capacity planning and hiring of Collections Officers so as to ensure adequate collections strength at all
times.
• Carryout MIS coordination and feedback with Collections MIS unit and arrange its support for all shops.
• Undertake evaluations of individual Collection Officers / staff on monthly basis and carryout counseling to
improve their performance and build collection efficiencies.
• Ensure optimal system (Debt Manager) utilization across the board and adjust system parameters relevant to
the local conditions.
• Establish effective expense control and meet the assigned expenditure limits / budget.
• Strict adherence of Credit Policies.
• Revision of manuals on required basis.
July 2002 - June 2004
Standard Chartered Bank
Collection Supervisor – Faisalabad and Sialkot
Auto Loans, Personal Loans and Credit Cards
Worked in Standard Chartered, make set up for collection department and hired a motivated team. Implemented the
collection strategies and process. Dealt with litigation to achieve the recovery. Dealing with external agencies to safe
guard the bank assets. Prompt delivery for the customer complaints. MIS management at all level. Efficiently mentoring
of tea performance. Effective portfolio and team management.
November 1996 – June 2002
Citibank N.A
MIS Analyst – Faisalabad
Auto Loans, Home Loans and Credit Cards,
Sales,MIS ,Budget and Audit
Worked various positions in Sales, customer services, MIS, audit and budgeting. Achieved the targets and panning and
directions for the collection management. Monitored collector performance and external agencies.
Achievements_____________________________________________________________________________________
 Develop Agriculture Collection Model first time in Pakistan in United Bank Limited
 Provided ZERO Delinquency and ZERO GCL in Autos Collection in United Bank Limited in Year 2005.
 Prepared Agriculture Collection Manual in United Bank Limited.
 Awarded Best Collection Supervisor in Standard Chartered Bank.
 Developed the MIS model for the higher Management in Consumer Collection and in Agriculture Collection.
 Developed various training courses.
 First time/make record for statement delivery i-e 7 sigma level in Citibank

5. 5
Certifications / Trainings
_____________________________________________________________________________________
 Attend First Agri Collection Seminar held in Multan on June 23,24, 2005
 Four Times won surprise award (Customer Service) in Citibank N.A
 Won Service Smile Award in Citibank
 Won Top performer award in Standard Chartered Bank in Year 2004
 Won Top performer Award in United Bank Ltd in Year 2004
 Service Excellence
 Respect at work
 Corporate leadership
 Customer focused on sales
 Orientation
 Citiselling
 Exceeds " The voice of customer "
 Module 1 (General Banking)
 Business Writing & Correspondences
 UPMS
 General Banking (UBL)
IT Skills
_____________________________________________________________________________________
Sound knowledge of MS Office (Excel, Word, Access, Power Point)
Debt Manager (DM), Computer Assisted Collection System (CACS)
Symbols, ERP System, CBS Core Banking System, UniBank ,Ultimus,HRM,