ISMAIL HOSSAIN

[email protected] • +8801889722780 • 147/L-3, East Rajabazar, Aamtola, Farmgate, Dhaka-1215
LinkedIn: www.linkedin.com/in/ismail-hossain-credit-bd

PROFESSIONAL SUMMARY

Experienced in credit risk management, specializing in financial analysis, credit administration, and loan restructuring. Proven expertise in CIB data management, ensuring accuracy, integrity, and regulatory compliance. Strong knowledge of AML/CFT regulations, IT security, and loan documentation with a focus on industry standards adherence. Results-driven banking professional with 6+ years of specializing in verification processes, fraud risk management. Proven expertise in implementing contact point verification for deposit products and serving as the primary liaison for deposit account verification.

WORK EXPERIENCE

Senior officer & In-Charge, CIB, Credit Risk Management
02/2024 - Present
Uttara Finance and Investments Limited. , Panthapath, Dhaka
• Conduct credit risk assessments by analyzing financial data to assess clients’ creditworthiness
• Prepare and submit credit memos/proposals to the Credit Committee for approval
• Draft and issue sanction letters to borrowers, ensuring compliance with bank policies and terms
• Oversee loan portfolio reviews and renewals, ensuring timely updates and risk mitigation
• Liaise with internal teams and external clients to resolve credit-related issues efficiently
• Ensure adherence to bank policies and regulatory standards, supporting effective risk management
• Monthly Credit Data reporting to CIB, Bangladesh Bank through CIS and Error resolution of batch online reporting
• Database correction according to all sort of request and documents from competent authority
• Inquiry of CIB report for existing and prospective borrowers, guarantors and allied concerns of the prospective and existing borrowers
• Achievements:
• Took on additional credit and CIB responsibilities, ensuring smooth operations and management
• Developed and implemented Credit and CIB process flows to meet management requirements
• Established myself as the primary contact with the Central Bank for all CIB-related matters within the first 3 months
• Led the CIB department as ‘In-Charge’ after confirmation of service, driving team performance
• Identified and resolved reporting gaps, submitting 250+ unreported cases to Bangladesh Bank's CIS
Officer, Credit Administration
06/2022 - 02/2024
United Finance PLC. , Banglamotor, Dhaka
• Executed loan restructuring and interest write-offs as per regulations
• Managed re-phasing and tenor modifications, ensuring regulatory compliance
• Prepared restructure calculations, ensuring accurate financial assessments
• Provided partial and early settlement calculations for various asset products
Assistant Officer, Credit Administration
05/2020 - 06/2022
Midland bank PLC. , Gulshan-2, Dhaka
• Managed CIB status, ensuring accurate borrower information maintenance
• Ensured timely submission of monthly batch reports to regulatory authorities
• Streamlined CIB report processing, enhancing overall administrative efficiency
• Facilitated seamless updates for CIB database corrections, ensuring accurate records
Officer, Central Verification Unit & Risk Management
12/2014 - 04/2020
BRAC Bank PLC. , Tejgaon I/A, Dhaka
• Oversaw end-to-end verification of Retail Asset & Liability products
• Maintained verification TAT and supported account activation processes
• Ensured adherence to internal controls and regulatory compliance, identifying risks and implementing mitigation plans
• Coordinated with CVU, underwriting, branch teams, and sales units to streamline operations
• Implemented card-blocking for potential fraudulent transactions
• Monitored e-Commerce gateway transactions, ensuring secure financial operations
• Achievements:
• Initiated and maintained the Contact Point Verification (CPV) process for Deposit Products ensuring compliance and accuracy (Aug 2016 – July 2017)
• Designated as the primary point of contact for the end-to-end Deposit Account Verification process
• Took on additional responsibilities within the Credit Card Fraud Mitigation Team, contributing to early fraud detection
• Led the E-commerce Fraud Risk Management wing (2018–2020), implementing proactive risk controls and monitoring mechanisms
• Played a key role in the Card Management System (CMS) upgrade project (2017–2019), ensuring seamless integration and risk compliance
Executive, Central Verification Unit and Monitoring & Authorization Unit
09/2010 - 12/2014
BRAC Bank PLC. , Tejgaon I/A, Dhaka
• Conducted physical investigate/verify information provided by applicant/customer in loan/credit card application
• Prepared MIS of daily received file/delivery of verification report, follow-up/pending update report
• Collected information from field verification team to prepare Verification report
• Monitored transactional-based card spends on a 24x7 basis as per Bank's procedures
• Checked whether the ecommerce/Card Not Present transactions and determined if transactions are fraudulent or legitimate
• Verified transaction authenticity by making phone calls to the Card Holders and block cards in case of any fraud attempt

EDUCATION

MBA in Finance
04/2016
Southeast University , Tejgaon I/A, Dhaka GPA: 3.58 out of 4.00
M.Sc. in Biochemistry
09/2007
National University , Gazipur, Dhaka GPA: 2nd Class
B.Sc. in Biochemistry
06/2006
National University , Gazipur, Dhaka GPA: 2nd Class

SKILLS

CERTIFICATIONS

Junior Associate of the Institute of Bankers (JAIBB)
05/2024
The Institute of Bankers, Bangladesh
Financial Crime & Compliance
03/2024
Standard Chartered, Bangladesh & BRAC University
Certified Expert in Credit Management (CECM)
08/2023
Bangladesh Institute of Bank Management (BIBM)