Experience

The Bank of Khyber

• Pakistan
• Banking
• 700 & Above Employee

• Head Agriculture Credits

  • May 2006 - Present

  • Policy - Control-Planning –Promotion- Business Plan- • Development Corporate-Rural-Micro Finance products- • Conventional /Sharia’h Compliant products- • Operational-system-infrastructure-delivery channels-outreach mechanism- • Procedure-guidelines-Credit-Profit Risk management-MIS-Internal control- • Objectives achievement-capacity building- • Training- orientation workshops-awareness- • Pilot Projects of rural – micro credits- • Appraisal – Approvals- Monitoring - follow-up –recovery • Liaison with Provincial-Federal governments-Regulators- International agencies- - non-government organizations- other stakeholders-International development banks-World Bank-Japan Bank for International Co-operation- • Compliance of prudential regulations- • Implementation-monitoring SBP specialized schemes- • Agri Refinance-credit guarantee-SME refinance schemes- • Member steering committee for supervision of rural & micro credits – agribusiness development- • Member Livestock core group/Livestock & Dairy Development Board- • Introduction of Crop Insurance /Takafal Schemes- • Reporting to Chief Executive Officer- Achievements: Development of Credit policy, Manual, Operational guidelines- 10 –credit products-(Conventional & Shariah Compliant) Show less

• Head Internal Audit Division

  • Apr 1997 - Jul 2004

  • Policy-planning-program-procedure-guidelines-manual-checklist-• supervision-Preparation- execution of audit plan- audit program-• Evaluate auditor’s observations-• Financial-Management –operational-Risk management- compliance audits on risk based matrix- • Drafting of Audit Reports- discussion of audit findings-exceptions-recommendations with the Chief Executive Officer –• Anti Money Laundering-Terrorist Finance-Know Your Customer-Basel-II• Submission of report to audit committee of Board of Directors-• Evaluation of adequacy - effectiveness of the Internal Control System-• Suggestions to Chief Executive Officer and Board of Directors for improvement of operational activities- maximize revenue generation- improvement of efficiency level- • Implementation-compliance of organizational policies- procedures- rules - regulations – • Ensure achievement of over all objectives-compliance of regulators directives- regulations- supervise-conduct various enquires- investigations-• Conduct-Supervision - Financial-Management -operational-Risk management-compliance audits on risk based matrix- -• Compilation of reports- audit findings - suggestions with the officers responsible for the operations audited- Implementation-compliance - • Evaluate effectiveness of the Internal Control- remedial recommendation- assists in preparation of audit plan- execution of audit program-• Conduct EDP audit- Information System Audit - enquires-investigations-• Report writing-recommendation-suggestion-Reporting to Chairman Audit Committee of the Board of Directors-Achievements: Development of Audit policy, Manual and Check List- Show less

• Head Islamic Banking Division

  • Jan 2003 - Dec 2003