1. MUJTABA QAMAR BASHIR
Product / Business Manager – Retail Banking Products Cell #: 0097 1 50 5547011
Email: mujtabaqamar@hotmail.com
Career Profile Summary:
Retail banking professional with more than 10 years of product development/management experience. Performed
at leading Islamic banks i.e. Meezan Bank in Pakistan and Emirates Islamic in UAE and now working at Abu Dhabi
Islamic Bank (ADIB) as Product Manager - Personal Finance.
I have an honor to turn around the businesses from scratch i.e. Home finance business at Meezan Bank Pakistan and
Personal Finance business at Emirates Islamic Bank and handling one of largest portfolio of Personal Finance at
ADIB. Possess versatile experience of product development/management of secured and unsecured products mainly
property finance, personal finance, vehicle finance, Financing against shares, Gold certificates product and CASA
products.
Additionally, my MIS studies equipped me with strong analytic and system/technological skills to add more value to
business, its processes and ultimately customer satisfaction.
Objective:
I am an individual who love challenges. I intend to pursue my career in the organization where I can utilize my skills
and abilities to achieve organizational and my personal success.
Skill Set:
 Islamic Banking Retail Product Specialist  Product / Business Modeling
 Risk/Credit Policy Formulation  Business Development / Management
 Process Reengineering / Restructuring  Information Systems Management
 Portfolio Financial Analysis  Problem Solving Skills
 Relationship Management  Marketing Campaigns / Promotion
Major Achievements:
 Launched sukuk based Personal Finance in partnership with National Bonds Inc. at ADIB
 Achieved 2.7 bn business booking in Year 2013 at EIB
 Launched Gold Certificate Product at EIB
 Set up of Foreign Currency Exchange/Remittances Business at EIB Branches
 Launched Personal Finance products i.e. based on shares & sukuk trading structures at EIB
 Launched Services Ijarah products i.e. education /medical /wedding /travel and rent finance at EIB
 Launched Goods Murabaha product at EIB
 Business lead for retail banking products for the launch of FinOne consumer products system at EIB.
 Launched Manzili - product variants, Home Finance – Maximizer/Equity Release/Debt Take Over at EIB
 Developed Musharakah – Ijarah product/process for Manzili Home Finance that includes: (debt take over
and liquidity generation products) at EIB
 Launched successfully ladies banking proposition at EIB
 Launch of reducing balance Accruals/posting method for Home Finance, Personal Finance and Vehicle Finance
 Represented EIB for Credit Card proposition at AAOIFI – World Bank Annual Conference - 2007 - Bahrain
 Achieved Top Performance Award of Retail Banking Division for the Year 2007 at EIB
 Housing Finance Advisory Services provided to House Building Finance Corporation (HBFC) at
Pakistan (Three months program)
 Successfully launched first Islamic Hous ing product “Eas yHome” Is lamic Housing Finance in
Pakistan
Personal and Educational Profile:
Date of Birth: May 10, 1978 Postal Address: P.O.Box 313, ADIB, Product Development Deptt. Abu
Dhabi - UAE
Marital Status: Married Nationality: Pakistan
Qualification
Degree Year Institute
MBA (MIS) 2004 Institute of Business Administration (IBA), Karachi
Bachelors in Commerce 1999 Hailey college of Commerce, Punjab University, Lahore

2. Additional Courses:
 One month Islamic banking course at CIE - Pakistan (Centre for Islamic economics)
 Attended course on Ijarah & Murabaha and its applications at Meezan Bank - Pakistan
 Attended Istisna – Parallel Istisna course at Emirates Islamic Bank – Dubai
 Attended 2 days Product Development Forum in Banking & Finance, 2007, organized by Fleming Gulf Conferences at
Habtoor Grand Resort & Spa Dubai.
 Attended 3 days course on Successful Product Launching organized by IIR Middle East – June 2008
 Certified coaching program at ADIB (continued)
Professional Experience
Product Manager – Personal Finance at Abu Dhabi Islamic Bank
Abu Dhabi - UAE
May 2014 to date
(continued)
Product Manager and Shariah Coordination at Emirates Islamic Bank
Dubai - UAE
September 2006 to April 2014
(7 ½ half years)
Product Manager – Home Finance at Meezan Bank
Karachi - Pakistan
September 2003 to August 2006
(3 years)
Internship at Agro Processors & Atmospheric Gases (Soya Supreme Oil & Ghee)
Karachi – Pakistan
June – July 2002
(6 weeks)
Work Profile at ADIB
 Product / Business Management of Personal Finance
 P & L forecasts / Management of Personal Finance Business
 Preparation of annual product program
 Achieve over-all monthly/annual Acquisition targets
 To ensure availability of effective MIS for business / portfolio performance
 Responsible for achievement of Funded Income, Net fee income (NFI) as per agreed budget
 Product development and end to end launch of Personal Finance Product Variants
 Development of marketing collaterals, product campaigns, product bundles, cross sell activities, incentive structures,
process guidelines, business requirement documents for system enhancement, product / risk policies for Personal
Finance business.
 Development of marketing strategy and execution of marketing plans (ATL & BTL)
 Analyze product portfolio perform ance, market trends and plan for the ‘pres ent’ and ‘likely future’.
 Ensure compliance adherence & effective audit management
 To conceptualize and roll-out sales contests/ incentives to ensure execution towards product objectives
 Manage retention and develop proactive and reactive retention /win back programs
 To conduct product trainings for front liners
Work Profile at EIB
 Product Development & Shariah Coordination of retail banking products
 Personal Finance product development/management as per Business & Market needs
 Preparation of product concept guidelines for Shariah / legal approval
 Finalization of legal documentation/Agreements for Retail Banking Products
 Coordination with Shariah & Legal Deptt. for product / process approvals
 To ensure that Retail Banking products are most competitive products in the market in terms of policies
and product features
 To establish concrete decision making reporting system
 To ensure the compliance of Shariah audit report for Retail Banking Products
 Review of all retail products/process proposals prepared by product managers in order to obtain
final approvals from Shariah / Legal Deptt.
 Gap analysis of process and agreements from Shariah point of veiw
 To obtain approvals of Retail banking marketing material contents from Shariah
 To ensure compliance/implementation of Shariah Audit observations through respective product managers and
operations Deptt.
 Launch of marketing campaigns to boost business
Roles and Responsibilities at Meezan Bank
Product & Policy
 Product Development at Housing Finance Deptt. (HFD)
 Yearly Product Plan Preparation
 Devising Product/Credit/Risk policies

3.  Assisting Business Manager for devising HFD business policies
 Quarterly Revision of Business Process Flow
 Handling Shariah Case Structuring of EasyHome customers
 Conducting Gap Analysis of Diminishing Musharakah Agreements
 Responsible for Product Launch in the New Cities
 Responsible for Country Wide Product/Credit & Risk/Process Training
 As s es s ing and implementing central bank’s (SBP) Prudential Regulations
 Conducting House Building Finance Corporation (HBFC) Product and Systems Advisory Services
 Responsible for Brand Management of EasyHome Product
 Quarterly Market Comparative Analysis
 Monthly Review of EasyHome Profitability
Credit & Risk
 Quantitative & Qualitative analysis of Housing Cases
 Risk Assessment of EasyHome Cases
 Responsible for Development of Credit & Risk Parameters
 Responsible for Development of Credit Assessment Methodologies
 Training of Credit & Risk Teams
 Coordinating with SBP, Internal/External & Shariah audit teams
MIS
 Developed an Easy Home Portfolio Management System for Housing Finance Department
 Regular Development & Maintenance in the Easy Home Portfolio Management System as per requirement
 Coordinating with IT Deptt. for the development of Islamic Banker - Housing Module
 Development and Maintenance of Country Wide Critical Business/Risk/Credit/Process/SBP MIS Reports of Easy
Home- Housing Finance Department
 Countrywide Islamic Banker System Training
 Countrywide implementation of Islamic Banker System - Housing Module
Marketing & Sales
 Conducted Successfully SPSS based EasyHome Existing Customers Satisfaction Level Survey
 Responsible for EasyHome Brochures, Application Forms, Handouts, Branch Merchandising, Billboards Designing
and Web Site Updates with MKT. Deptt.
 Conducting weekly HFD Credit/Sales Meetings
 Relationship Management with Corporate Customers/Co.
 Analyzing the Current Sales Trends
 Responsible for Formulating the Promotional Plans
 Formulating Incentive Structures for Sales Force
 Development of Corporate Offers
 Web Site Enhancement / Update
Training & Development
 Training of Sales Force for Easy Home-Islamic Housing Finance product
 Conducting Training of Countrywide Credit Teams / Call Center Teams/ New Relationship Officers at Branches
 Responsible for Countrywide System Training
EXTRA CURRICULAR ACTIVITIES AND SKILLS
 Regular player of table tennis, badminton and cricket
 Love traveling
 Team player with leadership and good conflict management skills
 Web Surfing, Collection of Islamic Banking Research Papers
 To Study – Particularly Islamic Economics