Ovais Ahmed
Head SAM South
Professional Summary
Ovais Ahmed is a banking professional with 18 years of industry experience across consumer banking collections, recoveries, collection operations, portfolio management, business analytics, operations, product development, and repossession. He is currently serving as Head SAM South at Zarai Taraqiati Bank Limited. Previously, he worked as Zonal Manager Recovery - South at FINCA Microfinance Bank, Manager Business MIS & Analytics at HBL, Manager Collections and MIS at JS Bank, and Supervisor Collections Autos at Dubai Islamic Bank Pakistan. His experience includes delinquency management, recovery operations, portfolio monitoring, collection productivity, MIS and analytics, customer complaint resolution, audit compliance, risk-related coordination, and repossession operations.
Professional Experience
Head SAM South
Zarai Taraqiati Bank Limited
- Leading Special Assets Management activities for the South region | overseeing recovery and portfolio management operations.
- Managing assigned special assets and recovery portfolios | supporting effective resolution of delinquent accounts and operational requirements.
- Applying experience in collections | recoveries and portfolio management to support business and recovery objectives.
Zonal Manager Recovery - South
FINCA Microfinance Bank Ltd, Pakistan
- Managed recovery operations across the South zone | overseeing delinquent portfolios and collection activities.
- Monitored recovery performance and portfolio trends | supporting normalization of accounts and reduction of delinquencies.
- Coordinated collection operations | portfolio management and recovery activities to achieve assigned business objectives.
Manager Business MIS & Analytics
HBL - Habib Bank Limited
- Managed business MIS and analytics activities | supporting portfolio monitoring and data-driven operational decisions.
- Analyzed business and collection-related information | providing insights to support performance management and operational planning.
- Supported management reporting | analytical requirements and business operations through structured MIS processes.
Manager Collections and MIS
JS Bank
- Managed delinquent portfolios | focusing on minimizing net flows | maximizing normalization and reducing delinquencies within assigned targets.
- Monitored Collection Officer productivity | conducted performance counseling and supported improvements in collection efficiency.
- Ensured system utilization | policy adherence | complaint resolution and coordination with operations | FRMU and other stakeholders.
Supervisor Collections Autos
Dubai Islamic Bank Pakistan
- Supervised auto collections activities | supporting recovery operations and management of delinquent customer accounts.
- Monitored collection activities and customer cases | supporting timely resolution and effective recovery processes.
- Handled collection-related operational requirements | supporting portfolio recovery and customer account management.
Education & Certifications
Academic History
Master's Degree, International Relations and Affairs
Karachi University
Jan 2024