Sustainable growth doesn't end when a loan is approved it depends on how responsibly it is managed throughout its lifecycle. As Head of Retail Collections and Special Asset Management, Hasnain Mohammad Abid Zaman has spent years strengthening the quality of BRAC Bank's retail portfolio. Leading one of the country's largest collections and special asset management teams, he has transformed the function into a highly skilled, customer-focused operation that delivers stronger recovery performance while supporting customers through challenging circumstances. His leadership has helped safeguard portfolio quality, improve operational efficiency and ensure BRAC Bank's retail business continues to grow on a strong and sustainable foundation.