MUHAMMAD ATIF ALI

1

Res Tel: +9714-2885904 Mobile: +97150-4576307 eMail: matifali@eim.ae atif.ali@dib.ae

Birth: 1st March, 1969, Pakistan Marital status: Married, 2 children Professional: B.S,Computer Systems (N.E.D Engineering Univ,, Karachi, Pakistan)

Ambition: My dream is to change the industry paradigm by setting higher standards of product innovation, client focus and positive contribution to environment.

SPECIAILITIES Versatile Banking experience, over 20 years, including 10yrs in Islamic banking Self starter, Motivated and a Team player Mix of regional & Local banking experience Strong Technology background, business specialisation and expertise in the area of

Transaction Banking Product Sales, Management & Development (Cash, Trade, eChannels delivery) Electronic Channels Development & Solutions delivery Client Services - Sales & Customer focused

PROFESSIONAL EXPERIENCE

DUBAI ISLAMIC BANK, Dubai-UAE July 2006 - Present

Head of Cash Management, Trade eChannel & Client Services (Sales / Product Development / Solutions Delivery)

Job dimensions & Key Achievements

Spearheaded and setup the Transaction Banking department, for the Bank’s Corporate Banking division. Now managing a team of 18 dedicated professionals.

Successfully developed and rolled-out the integrated Cash management-Online Payments, Collections and the 1st Islamic Shariah compliant Trade finance delivery eChannel platform

Successfully setup a value-added business, to generate ancillary revenue for Corporate banking, in line with the overall business strategy and growth plans, eg, liability growth, generation of low cost deposits(CASAs), fee, float income, etc..

Achieved sales of customised Transaction banking products and eChannel solutions, for over 300 Corporate clients, by aggressively driving the sales Teams and sales delivery strategy

Work closely with the RMs, Business heads and support partners, ie, Technology, Operations and

Corporate marketing, in planning and executing the future roadmap of the Transaction banking platform

Supporting Executive management and Head of Corporate, in determining the direction/roadmap,

to ensure positive return on products & technology investments (ROI), by driving the Sales & Delivery platform of Transaction banking

Stay abreast of end-user trends and requirements as well as competitive product offerings and best

practices. To be responsible for identifying and flagging the risk and compliance aspects of new concepts and services.

Portfolio Size: o Transaction Banking - Corporate customers base 300 o No. of Txn banking Products / eChannels 8 o Liabilities Size (CASAs) Aed 6Bn o Revenue Achieved Aed 100Mn o Team size 18

MUHAMMAD ATIF ALI

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STANDARD CHARTERED BANK-DUBAI, MESA Region (Mar 1998 - 2006) a) Regional Head, Solutions Delivery – MESA Regiona (Jul 2002-2006) Job dimensions & Key Achievements

Product development for electronic Collections & electronic Payments products, covering UAE & Regional Countries:

No. of Products under management: 5

No. of countries: UAE, Pakistan, B’Desh, Bahrain, Oman & Qatar

No. of clients: 200 (overall)

Approx. annual revenues: USD10Mio

Launched Electronic Delivery Channels (Cash, Trade, Collections) and services in the MESA region for C&I customers.

Achieved approx. USD 10Mn, as direct fee income (MESA-wide).

Customer implementations & support for electronic banking & web-based (internet) channels (Cash/Trade/Collections), for corporate and institutional clients across the MESA Region (10 Countries).

Leveraged from experiences of rollout of our products and services in other markets and structuring of complex network solutions for cross-border deals (eg with MNCs). Effective sales, customer support & co-ordination for all Requests for Proposals (RFPs).

Interface with Product team to ensure that any product gaps that impair implementation of a structured solution are addressed.

Assist & ensure Regional sales plans are implemented successfully, in lines with Transaction banking business plans. To provide structured solutions to meet the specific cash management requirements of customers and prospects

Supporting eBanking product/internet channel installed base of over 1000 customers (MESA-wide)

b) Product Development Manager–eChannels&Cash Products-MESA (Sep 2000 - 2002) Key Achievements

Revenue Realisation (Fees, Charges, Float, etc…)

Responsible for the management of assigned new and enhanced products throughout their development life cycle & manage projects within the approved methodology time scale and budget, meeting Group standard for Audit, Control and financial reporting.

Conduct market research with customers to ensure that new products and opportunities are identified to meet business opportunities in order to grow cash management revenues consistent with overall Corporate Banking strategy.

Co-ordinate new product development and launches with Country Heads of Cash & Product Managers, to ensure that products are deliverable. To manage User Acceptance Testing (UAT) and project implementation and to ensure that appropriate approvals are gained at all stages of the project.

On-time, on budget, with desired quality, product programme roll-out.

c) Manager, Customer Implementation & Support – eChannels (Mar 1998-2000) Key Achievements

Effective and timely customisation, installation, training/support of the Group’s Electronic Banking systems for high net-worth customers in U.A.E. and Bahrain (Southern Gulf), with secondary responsibility/support in the other MESA Countries (Pakistan, SriLanka and Bangladesh).

Contribution to incremental customer revenues from additional EB initiated txns., fees and float income–by continuously pushing for utilisation and prompt problem resolution/support.

Providing electronic banking training to staff from other Regional countries.

Implementation and rollout of a standard process model for EB operations and establishment of a consistent customer support infrastructure in UAE/Gulf for EB customers.

Drive the utilisation of the EB products, so as to increase customers transaction volumes/thru’put (150% increase)

Project Managed successful rollout of the Group’s Y2K Compliant EB system in the MESA Region.

MUHAMMAD ATIF ALI

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STANDARD CHARTERED BANK, Head Office, Karachi-Pakistan (Jan 1994 - 1998)

(Mar 1998 to date) Joined Information Technology (IT) in officer grade, Jan’94. Promoted to Asst. Mgr in ’95 and successively to Manager-IT Networks & Infrastructure, in 1996. Key Responsibilities

Projects: Planning, execution, implementation and ongoing technical support.

Coordinating with user department on complete project implementation.

Vendor management - selection and procurement of hardware, software and environmental equipment.

Liaison with Group/Regional Information Technology on related I.T. projects.

Standardization of procedures including contingency plan and documentation.

Carry out system investigation, usually with the help of a "user" department manager leading towards project implementation. Training users in new methods involving computer applications.

Major Projects

ATMs Network – pan-Pakistan

S.W.I.F.T Network

Electronic-mail delivery system

Centralization Project (Network & infrastructure)

Electronic Banking Channels

AFFILIATIONs & TRAININGs:

Islamic Finance - Product Development, Kuala Lumpur, Malaysia

Balanced Score card – Performance Evaluation Workshop, Dubai

Legal & Compliance CBT Course, Dubai

Strategic SPIN Selling, Singapore

Product Management Workshops – Malaysia & Singapore

Business Performance Workshop, Seychelles

eChannels Conference, Singapore

Project Management Principles Workshop, Dubai.

‘CIW’ (Certified Internet Webmaster/Level-1 certification course in E-commerce, Dubai

Workshop on E-commerce developments and trends in the Middle East Region – conducted by Sun Micro Systems

Electronic Payment Product: EB System for Windows: Technical/systems training, testing - conducted by the Group’s EB Team – London & HongKong

Institutional banking: Technical/systems training on Export Bills for Collection - Bangkok, Thailand

Course in “Mastery through Self Development” - Neuro Linguistic Programming, Karachi

Electronic mail delivery system: Technical Training Workshop - HongKong

SCB Group Management Development Training Program – Pakistan

Courses on S.W.I.F.T.: conducted by the SWIFT Education Department, Belgium: Basics, Systems Operations, Payments & Statements, Collections & Doc. Credits – Karachi

Orientation & training course on 4th generation ATMs by AT&T GIS (NCR) - Concept/benefits of self-service banking, ATM overview, software, etc…, Karachi

References: Available upon request