Imran Khan
Debt Collection · NPL Management · Credit· AML/KYC · Portfolio Management · Delinquency Management · SME LendingProfessional Summary
Results-driven Specialist in Credit, Collection, Operations, Finance, and Risk Management. Expert in SAMA-compliant debt recovery, Mortgage financing & recovery, Solar/Alternate Energy financing, SME and NPL reduction, revenue realization. Proven track record in managing high-volume Microfinance and banking portfolios, achieving consistent improvements in cash flow through strategic chronic case escalation and developer/client recovery.
Work Experience - Collection / Operations Leadership Roles
1-General Manager | J.M. Finance | Jun 2023 – Oct 2025
2-Area Manager | NRSP Microfinance Bank Ltd | Oct 19 – Jun 23
3-Branch Manager | HBL Microfinance Bank Ltd | Apr 8 – Feb 19
4-Branch Manager | U Microfinance Bank Ltd | May 16 – Apr 18
5-Branch Manager / Credit Manager | Tameer Microfinance Bank Ltd | Sep 2007 – May 2016
Education
- MBA (Marketing) 2009 | Com (Accounts & Statistics) 1998
Technical Skills
- Technical: MS Office (Expert), Oracle Financials, Core Banking Systems
- Regulatory Knowledge: SAMA Consumer Protection, IFRS 9, PD/LGD/EAD.
Language
- English - Expert in writing, reading and speaking
- Arabic - Intermediate in writing, reading and speaking
- Urdu - Native, Fluent in writing, reading and speaking
- I am available for immediate joining with a transferable Iqama.
| Last Resume Update | May 20, 2026 |
| Address | Riyadh, Pakistan |
| Locked | |
| Phone Number | Locked |
Experience
General Manager
• Directed end-to-end recovery operations, ensuring robust cash flow management, vendor settlements, and portfolio health monitoring across the entire delinquency cycle.
• MIS and Reporting: Developed daily recovery dashboards and senior management reports tracking portfolio delinquency, target achievement, and collection efficiency.
Area Manager
• Multi-branch oversight of high-volume microfinance portfolios; drove consistent delinquency management and mitigation across rural and semi-urban markets.
• Stakeholder coordination with SBP, field teams, and community leaders for rural financial inclusion initiatives and accounts receivable resolution.
Branch Manager
• Compliance and AML: Implemented rigorous AML/KYC/CFT and Risk Framework protocols for new-to-bank (NTB) accounts; conducted enhanced due diligence and transaction monitoring.
• Financial Inclusion: Executed SBP-mandated Financial Literacy Program (FLP), significantly increasing rural account openings and digital banking adoption.
Branch Manager
• Managed end-to-end developer and client recovery, including invoicing, Turnaround Time (TAT) monitoring, accounts receivable oversight, and dispute resolution.
• Credit Analysis: Assessed credit risk for diverse SME and retail micro-loan portfolios, applying sound financial analysis frameworks.
Credit Manager l Branch Manager
• Pioneered credit and recovery for Solar Energy, Bio-Gas, and Motorbike Leasing (Lease-to-Own), specialist green and asset finance expertise.
• High-Value Recovery: Handled mortgage cases up to PKR 5M, coordinating legal proceedings and asset liquidation. Built and led a dedicated hard-core recovery task force delivering a 24% reduction in legacy NPLs.
• SBP Liaison: Organized and presented at SBP seminars showcasing financial impact analysis and recovery success metrics.
Education
Executive MBA
Business & Marketing Majors (2.9 / 4)
B. Com I Bachelor Degree
Bachelor Degree in Commerce Majors, Accounting, Economics, Statistics