Abdul Karim
Senior Housing Finance & Banking Operation Specialist
14+ years of expertise in Housing Finance, Islamic Banking & Financial Services. Specialist in credit risk management, loan recovery, regulatory compliance, and strategic operations.
Career Summary
A highly experienced finance professional with 14+ years of working experience in the Housing Finance, Islamic Banking, financial services, and development sector, serving as Assistant General Manager, Senior Principal Officer, Principal Officer, and Senior Officer.
Expert in financial reporting, regulatory compliance, internal audit & control, credit risk management, loan recovery & disbursement, cash flow & fund management, budgeting & financial planning, and branch & operations management.
Seeking a senior managerial role in Housing Finance, Islamic Banking, financial services, & development sector to leverage expertise in financial management, compliance, and strategic operations to drive operational excellence and sustainable growth.
Work Experience
Assistant General Manager (4th Grade)
Bangladesh House Building Finance Corporation
- •Lead overall branch operations ensuring efficiency, compliance, and achievement of business targets
- •Oversee credit appraisal, loan approval processes, and portfolio quality management
- •Ensure compliance with regulatory requirements, internal policies, and audit standards
- •Supervise financial reporting, budgeting, and branch-level financial performance
- •Manage cash flow, fund allocation, and optimize resource utilization
- •Monitor loan recovery performance and implement strategies to reduce non-performing loans (NPLs)
- •Build and maintain relationships with clients, stakeholders, and regulatory bodies
- •Guide, supervise, and develop team members to enhance productivity and service quality
- •Prepare strategic plans and provide insights to senior management for business growth
Senior Principal Officer (5th Grade) — Gulshan Branch
Bangladesh House Building Finance Corporation
- •Managed daily branch operations ensuring efficiency and compliance with internal policies
- •Supervised credit processing, loan disbursement, and documentation accuracy
- •Monitored loan portfolio and supported recovery initiatives to maintain asset quality
- •Ensured adherence to regulatory requirements and assisted in audit and inspection activities
- •Maintained client relationships and delivered high-quality customer service
- •Assisted in financial reporting, budgeting, and performance analysis
Senior Principal Officer (5th Grade) — Regional Office, Jamalpur
Bangladesh House Building Finance Corporation
- •Supervised regional office operations ensuring smooth administrative and financial activities
- •Monitored branch performance and ensured achievement of business and recovery targets
- •Evaluated loan proposals and ensured proper credit appraisal and compliance with policies
- •Coordinated with branches for loan recovery, portfolio management, and risk mitigation
Principal Officer (6th Grade) — Pallabi Branch
Bangladesh House Building Finance Corporation
Principal Officer (6th Grade) — Recovery Department
Bangladesh House Building Finance Corporation
Senior Officer (9th Grade) — Zonal Office, Zone 4
Bangladesh House Building Finance Corporation
Senior Officer (9th Grade) — PTPR Division
Bangladesh House Building Finance Corporation
Education
MSc — Master of Science
Biochemistry and Molecular Biology
Jahangirnagar University
BSc — Bachelor of Science
Biochemistry and Molecular Biology
Jahangirnagar University
HSC — Higher Secondary Certificate
Science
Govt Asek Mahmud College
SSC — Secondary School Certificate
Science
Hazrabari High School
Skills & Expertise
💻IT Skills
🌐Languages
⚡Soft Skills
✨Interests
Achievements & Awards
Integrity Award
Honored with Integrity Award as Head of Gulshan Branch
Bangladesh House Building Finance Corporation
2022–2023Branch Manager Award
Received Branch Manager Award for outstanding performance
Bangladesh House Building Finance Corporation
2022–2023Best Regional Manager — 1st Prize
Awarded Best Regional Manager (1st Prize) for exceptional regional leadership
Bangladesh House Building Finance Corporation
2021–2022Professional Training
15 professional development courses and workshops completed
Digitization of Banking Services Using MyGov Platform
Paperless Office Implementation Using e-Sheba & MyOffice Software
Certified Shari'ah Advisor & Auditor (CSAA)
Annual Performance Agreement (APA) Formulation & Implementation
Certificate Course on Islamic Banking and Finance (CIBF)
Green Affordable Housing Finance Model
APA Formulation & Implementation
Governance Integrity & Corruption Prevention Workshop
Loan Recovery & Disbursement Seminar
Loan Service Process Simplification
Day-long Training on Annual Performance Agreement (APA)
Annual Performance Agreement (APA)
Online Business Intelligence Software (BIS)
Online e-File Implementation
Workshop for Trainers & Organizers (Rural & Peri-Urban Housing Finance Project)
References
Abdul Mannan
Managing Director
Bangladesh House Building Finance Corporation
Md Rafiqul Islam
Deputy General Manager
Bangladesh House Building Finance Corporation
Contact Me
Have a project, opportunity, or just want to connect? Reach out through any of the channels below.
Phone
+880 1912-910522Address
House-8, Mirpur-10, Kafrul, Dhaka-1216
Available for new opportunities