Aamir Ehsan
Vice President Consumer Lending - Product Management and Risk Underwriting at Bellco Credit Union
Consumer Banking Leader
I've worked across the globe over three continents from very large Fortune Global 500 banks to regionally focused players. My area of expertise spans consumer banking--credit cards, loans, and deposits. I've grown several businesses across the globe, including those in Dubai, the US and Canada. Forever a curious mind, I love leveraging cutting edge data analytics, advanced technology, with aligned teams to deliver on the customer promise.

A short list of key accomplishments:
- Grew Consumer Lending business new account originations by 25% YoY when the industry originations declined by 20% during the COVID pandemic
- Grew credit cards Spend by 35% YoY, when the industry spend grew by only 13% YoY
- Doubled the business in 4 years at 21%+ CAGR when the industry grew by only 6.7% during that time frame
- Achieved leadership for 18 countries to manage products and marketing for consumer banking
- Lead teams for advanced technology integration in card propositions by developing first CHIP Credit and Debit Cards (2007) in the region, reducing skimming fraud losses to near 0%
- Crafted several Lifecycle strategy programs--ACLI, A&O, BBB, Spend Stims, Balance Builders, Upgrades, X-sells, Retention--that resulted in greater than the industry growth
- Developed several credit card innovations and propositions including a co-branded credit card with a major airline, cash back, rewards, revolvers' proposition, forex card, student and Gen Z cards, Equal Payment Plan (EPP) on credit cards, cheque facility on MasterCard, etc.
- Launched a new bank in Dubai (Noor Bank); growing it from 9 employees to over 300 in a year, later acquired by DIB. Launched and headed two new businesses, credit cards and personal loans
Bellco Credit Union
https://www.linkedin.com/company/bellco-credit-union
NMLS ID# 2289047
Looking after Consumer Lending Products — Mortgages, Credit Cards, Personal Loans, Auto Loans, HELOCs — for growth, profitability, and risk.
Denver, Colorado, United States
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Vice President Consumer Lending - Product Management and Risk Underwriting
First Tech Federal Credit Union
https://www.linkedin.com/company/first-tech-federal-credit-union
6th largest credit union in the USA, serving world's premier tech companies, including Intel, Netflix, Amazon, Microsoft and Cisco, they strive to lead the market in both digital innovation and exceptional human experience. 

Responsible for consumer lending--credit cards, personal loans, auto loans, student loan refinances, PLOCs, RVs and Boat Loans, and other smaller loan products--strategy formulation and execution for the USA market.
Portland, Oregon Area
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Senior Director Consumer Lending Product Management
Scotiabank
https://www.linkedin.com/company/scotiabank
A Fortune Global 500 bank with a team of approximately 90,000 employees and assets of approximately $1.1 trillion (as at April 30, 2021), Scotiabank trades on the Toronto Stock Exchange (TSX: BNS) and New York Stock Exchange (NYSE: BNS).
Toronto, Ontario, Canada
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Regional Associate Director (18 countries) - Products & Marketing, Retail
Scotiabank
https://www.linkedin.com/company/scotiabank
Toronto, Ontario, Canada
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Senior Manager - Acquisition, Credit Cards Canada
Dubai Islamic Bank
https://www.linkedin.com/company/dubai-islamic-bank
(formerly Noor Bank) Largest bank by Market Capitalization listed on NASDAQ Dubai DFM Exchange.
Dubai, United Arab Emirates
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Vice President - Head of Cards & Personal Loans
Dubai Islamic Bank
https://www.linkedin.com/company/dubai-islamic-bank
Dubai, United Arab Emirates
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Assistant Vice President - Product Head of Cards
Standard Chartered Bank
https://www.linkedin.com/company/standardchartered
A Fortune Global 500 British multinational bank. It operates a network of more than 1,200 branches across more than 70 countries and employs around 87,000 people and maintains an asset size of $790 Billion.
Karachi, Pakistan
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Marketing Manager - Cards & Personal Loans
Unilever
https://www.linkedin.com/company/unilever
A Fortune Global 500 company based out of London, the United Kingdom, with 149,000 employees, and revenues exceeding $57 Billion.
Karachi, Pakistan
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Brand Manager
Building and Leading Effective Teams
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Columbia Business School
https://www.linkedin.com/school/columbia-business-school/
Master of Business Administration - MBA
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Lahore University of Management Sciences
https://www.linkedin.com/school/lahore-university-of-management-sciences/
B.Com
Management Accounting, Statistics, Audit
Bachelors of Commerce
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University of the Punjab
https://www.linkedin.com/school/university-of-the-punjab/
IBM Big Data University
Big Data Certificate of Achievement
Best of the Best Top Individual 2012
Scotiabank
Best of the Best
Just one of the several examples of stellar digital marketing
Summer of FREE Contest
https://www.facebook.com/business/success/scotiabank#u_0_0
Social Services
Toronto Region Immigrant Employment Council (TRIEC)
https://www.linkedin.com/company/toronto-region-immigrant-employment-council-triec-
Helping new comers and immigrants to Canada find a meaningful life and career in their new home. To-date have helped more than 18 individuals (and their families) find relevant career opportunities in their field of interest.
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Registered Mentor
Education
Junior Achievement of Central Ontario
Instructed school children in Central Ontario on "Dollars with Sense" program in 2015, and 2016
Instructor
Education
JDC Central
https://www.linkedin.com/company/jdc-central
JDC Central is Central Canada’s largest business school competition, bringing together over 700 delegates from Canadian business schools across Ontario, Québec and the Maritimes.

I was one of the four judges at the competition where business students presented their projects.
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Judge
Science and Technology
United Way Toronto & York Region
https://www.linkedin.com/company/uwgreaterto
ran 5k rat-race 2015 to raise funds for United Way
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Volunteer
Human Rights
JDRF Canada
https://www.linkedin.com/company/jdrffrdjcanada
biked in the fund raising event to raise funds for JDRF
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Volunteer
Columbia Business School
1-51736-127538-1601259273
Building and Leading Effective Teams
Google
academy.exceedlms.com
21725360
Google Search Ads 360
https://academy.exceedlms.com/student/award/25675475
IBM
www.youracclaim.com
Big Data - Fundamentals
https://www.youracclaim.com/badges/479ca7be-ccc8-43fa-85b8-2403da6086d4/linked_in_profile
Scrum Alliance
bcert.me
Certified ScrumMaster® (CSM®)
http://bcert.me/sdnzrvauk
Google
academy.exceedlms.com
25675475
Google Ads Fundamentals
https://academy.exceedlms.com/student/award/25675475
Scrum Alliance
767857
CSM - Certified Scrum Master
HubSpot
Inbound Digital Marketing Certificate
LinkedIn User
      
          



            
              
        
              
  

    
        Aamir Ehsan is an exceptional professional and an extraordinary person.  

Serving as the Senior Director, and unquestionable leader, of the consumer credit product division for one of the largest and most highly regarded credit unions in the United States, his job is not an easy one.  He is asked, continuously, to build disruptive and transformative products, processes and propositions that tactfully balance innovation and tradition, and which consistently strengthen First Tech’s market position not only in the credit union space, but across the full competitive landscape.  

In 2020 he conceptualized, designed, launched, and managed First Tech’s inaugural pre-approval program on Credit Cards, reconfigured all product pricing strategies, and stood up all new pre-decision capabilities with our bureau partner, Experian, and his cross functional colleagues.  Thus far in 2021, the results of these efforts have brought tremendous outcomes.  His programs have set all-time records for new member acquisition, member engagement, and ROA across our product suite, and in credit cards, specifically, he has led a complete reimagining which has resulted in all-time record performance. 

He has achieved all this despite the complications of a COVID environment, and a truly challenging set of resource limitations.  Despite being profoundly understaffed, and managing in an unprecedented time of personnel stress and social distance induced anxiety, he and his team continue to set new standards of excellence.  What he has delivered over the last year is nothing short of remarkable. 
    
Aside his clear competencies and measurable achievements, Aamir is fantastic team member and colleague.  He is inspired, hardworking, and devoted, and he is unafraid to make business fun and enjoyable.  I have led thousands of associates over the course of my career, but few of them match Aamir.  I am honored to have the opportunity to write him this recommendation.   
 Farah Gazi
      
          



            
              
        
              
  

    
        I have had the pleasure of working with Aamir while I was completing my Masters Degree and just started my professional career at Standard Chartered Bank as part of the unsecured value center. He is not only a dedicated individual but also a natural motivator and mentor who invests time in his team to teach and lead. It would be a pleasure to work with him in the future.
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Structural racism is when the system pushes people to the edge of a cliff and then names, shames, and blames them when they fall off
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Pakistan
Aamir Ehsan
Business Development Officer at Zong CMPak Ltd
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Saudi Arabia
aamir ehsan
Manager, Credit Risk,Banque Saudi Fransi
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Pakistan
Aamir Ehsan
General Manager at PEL
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Dubai, United Arab Emirates
Aamir Ehsan
Sales, Marketing, Retail and Business development opportunity
Payments & Cards Network
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Scotiabank - Current and former employees
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LUMS Alumni - Canada
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Financial Services Career Center™
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Credit Card Professionals
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HAPPEN - Canada's Largest Career Network
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280 Group: Product Management & Product Marketing
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Executive Suite
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Pakistani Professionals Forum, Canada
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LUMS Alumni in Canada
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Banking Careers
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Product Marketing Managers
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Dinner Meeting - Thursday, April 28, 2011
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Harvard Business Review Discussion Group
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