Syed Arif Raza has over 25 years of experience in finance, credit, risk management, and collections. He has held leadership positions at Standard Chartered Bank, Grays Leasing Ltd, PIC Leasing, First General Leasing Modaraba, and NDLC-IFC Bank Ltd. Raza has an MBA with a major in accounting and is a Certified Public Accountant and Certified Skill Assessor. He has extensive experience developing credit policies, managing portfolios, and reducing loan losses and bad debts.

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Syed Arif Raza CPA CSA MBA
601 Columbia Forest Boulevard, Unit 16, Waterloo ON. N2V2K7. Cell: (519) 589-2745
Email: syedarifraza1@yahoo.com
 Solutions-focused Financial Executive with a career in credit and portfolio management
 Held Leadership positions in Finance, Credit & Risk Management, Credit Administration,
and Collection
 Active contributor to profitability through innovative collection strategies and policies
 Finance and Accounting Leader experienced in ERP and Chart of Account setups
PROFESSIONAL EXPERIENCE
Standard Chartered Bank Oct 2009 – Oct 2014
Head of Credit & Risk Management, Collection- Corporate/SME lending
 Maintained a strong relationship with industry with a view to strengthening collective
knowledge of the industries served, underwriting and adjudication skills, risk
management techniques and ability to adapt to changes within the industry and other
competitive factors
 Approved, conditionally approved, or declined credit applications, deferrals and excesses
in a timely fashion. Produced and presented sound credit write-ups required for credits
falling within the approved limits of the Credit Committee
 Provided guidance and direction to lenders on all policies, procedures, and lending
matters relating to their assigned industry lending portfolio
 Managed controlled delinquency through timely identification & reporting, reduced Credit
risk by amending credit criteria in the light of experience
 Developed recovery strategies, negotiate Risk Mitigation Plans, Forecast & Budget LI,
Capacity Planning &
 Liaise & managed recovery through Law Firms, Portfolio dissection by vintage Charge
off.
 Initiated, developed and make recommendations to Senior Management within the Credit
Department concerning policy, program and procedural changes
 Provided assistance to other Senior Credit Managers to ensure turnaround time lines
were maintained
 Credit policy/ Product programs formulations/ reviews; Developing product programs in
compliance with group Commercial Credit Policy
 Ensured that Portfolio Standards evolve appropriately proactively to manage changes in
the external environment, strategy and/or risk appetite
 Monitored, reviewed and controlled risk profiles (e.g. Risk grade migration, risk
concentration, Credit Approval Documents triggers), and ensured that portfolio shape is
in line with strategy
 Supervised the monitoring and escalation of potential problem accounts (e.g. through the
early alert process)
Selected Achievements:
 Reduced potential defaults and loan losses by up to 25%. Achieved collection recovery to
over 90%

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 Prepared 3 year strategy paper for the organization which encompasses; sectors,
economy, monitoring policy challenges
 Controlled Operational Risk by implementing key controls
 Managed and restructured credits ranging from $25M to $500M+ in loan exposure in
diverse industries including Sugar, automotive, chemicals, pharmaceuticals, energy,
financial services, retail, telecommunications, infrastructure, project and trade finance
 Increased assets portfolio growth of over 10% annually
 Reduced bad debt of approximately $1 million per year to $200K per year. Designed and
restructured the Credit collection organization structure to improve Credit and Collection
operations, streamline work processes and developed action plans and strong monitoring
system to increase collection team's performance
 Facilitated and guided Credit division team in formulating new vision and strategic
direction that successfully repositioned division, and adding value to the organization
Grays Leasing Ltd Jan 2006 to April 2009
General Manager- Corporate/SME lending
Selected Achievements:
 Identified problem lending and implemented appropriate corrective action to minimize
losses
 Executed lending guideline policy reviews on a periodic basis
 Developed guidelines for staff to follow “best practice” processes in assessment of risk
 Maintained strict cost controls of branch expenditures and reviews of revenue collections
PIC Leasing Jan 2000 to July 2006
Head of Operations & Marketing
Selected Achievements:
 Generated leasing business to the extent of Rs1.24B
 Repeatedly produced sustained revenue and EBITA growth in dynamic and changing
markets
First General Leasing Modaraba (Mutual Fund) Jan 1992 – Dec 2000
Director & Financial Controller
Selected Achievements:
 Arranged international and local Equity participation from foreign and local lending agencies
 Obtained Government and Stock Exchange permissions for floatation of the Fund
 Managed Asset Management Company and multiple Sister Concerns operations
NDLC – IFC Bank Ltd. Jan 1985 – Dec 1991
Assistant Vice President
Selected Achievements:
 Key participant and facilitator of US$20m multilateral operational funding
 Provided strategic direction for a company to review of US$50 million
EDUCATIONAL ACHIEVEMENTS
Certified Skill Assessment- CSA OMEGA USA
MBA – Major in Accounting- USA
Certified Public Accountant (CPA)- USA
AML/CTF/FATCA/CDD certifications

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Bachelors of Science, University of Karachi
IFRS Certification from Canadian Institute of Chartered Accountants