Experience

FINCA Impact Finance

• United States
• Financial Services
• 100 - 200 Employee

• Global Risk Manager

  • Jul 2022 - Present



EXIM Bank of Pakistan

• Pakistan
• Financial Services
• 1 - 100 Employee

• Senior Manager - Risk Modelling

  • Dec 2021 - Jul 2022

  - Set up the complete departmental structure of the Risk Management Group including Financing, Market, Operational & IT Risks. - Create & Manage Risk Rating Tools. - Draft document formats for effective information capture, monitoring & assessment of financial risks. - Draft Policies & Procedures (wherever needed & necessary). - Management and supervision of financing approval process by providing input/guidance to Risk Review staff. - Ensuring that financing proposals are processed within stipulated timelines. - Providing informed risk-centric recommendations to the MFC for final disposal of all financing requests submitted by various financing Business Units. - Providing input to the senior management with regard to business development plans and future strategic direction from financing risk standpoint. - Initiating rapid portfolio reviews (RPRs) in case of emergent adverse signs in broader economy and/or a specific economic sector. - Act as focal person for all stakeholders external to the Risk Review function (within and outside EXIM) for regulatory/audit/management matters. - Professional development of human resources under supervision. - Develop financial and risk assessment models, related to capital market and FX exposures to ensure compliance with regulatory & internal limits. - Design and monitor bank-wide risk profile through Enterprise Risk Management Dashboard. - Supervise submission of regulatory reports including Stress testing (Market Risk portion), LCR, CAR (Market Risk portion) and ICAAP, as well as, Behavioural Study. - Enter in the system and monitor exposure limits to Financial Institutions, Insurance Companies and Countries, with a focus on Anti Money Laundering & Terror Finance risk management and Fair Treatment of Customers. - Evaluate cases submitted by FI division for clean placement, nostro limits and recommend approval to the Management Finance Committee. - Monitor treasury’s performance on the investment portfolio. Show less



MCB Islamic Bank Ltd.

• Pakistan
• Banking
• 700 & Above Employee

• • Oct 2021 - Dec 2021

  - Develop financial and risk assessment models, related to capital market and FX exposures to ensure compliance with regulatory & internal limits. - Design and monitor bank-wide risk profile through Enterprise Risk Management Dashboard. - Supervise submission of regulatory reports including Stress testing (Market Risk portion), LCR, CAR (Market Risk portion) and ICAAP, as well as, Behavioural Study on non-contractual deposits and other items. - Keep up with changes in the banking industry through training. - Enter in the system and monitor exposure limits to Financial Institutions, Insurance Companies and Countries, with a focus on Anti Money Laundering & Terror Finance risk management and Fair Treatment of Customers. - Evaluate cases submitted by FI division for clean placement, nostro limits and recommend approval to the Management Finance Committee. - Monitor MCBIB treasury’s performance on the shares portfolio, commensurate with undertaken risk (intrinsic & relative), and brokers arrangement with a focus on Fair Treatment of Customers. - Coordinate implementation of IFRS9 within regulatory timeline for all obligors’ categories in line with Fair Treatment of Customers. - Timely renewal of Market Risk Policies and Procedures. Show less

• • Mar 2018 - Sep 2021

  • Supervising the overall financing function under the umbrella of the Bank's policies and guidelines by providing support, direction and information in line with the applicable procedures to ensure overall quality of the lending portfolio.• Presenting evaluated exposures (Corporate, Commercial & SME) to the Management Financing Committee (MFC) members (including President, Chief Risk Officer & respective Group Heads).• Cultivating efficient methodologies for financing risk management and providing appropriate recommendations based on each scenario.• Identifying deteriorating financing; timely completion of hindsight reviews and watch listed accounts. In case of structural shifts in any sector, conducting a rapid portfolio review (RPR) of financing to evaluate overall portfolio health in such sectors.• Drafting presentation for BOD on behalf of Risk Review on quarterly basis. Providing monthly reports and updates to MFC.• Conducting training relating to financing matters for Relationship Management teams to improve quality of the first line of defense for the bank.• Perform CRO duties for Credit approval function among others in the absence of relevant personnel. Show less



The Bank of Punjab

• Pakistan
• Banking
• 700 & Above Employee

• Unit Head - Islamic Banking (Risk Management Group)

  • Jan 2015 - Jan 2018

  • Overseeing the bank’s entire Islamic banking portfolio (Corporate / Commercial / SME) by reviewing, analysing, monitoring, controlling and supervising all aspects of Financing Review. • Making prudent recommendations – as part of the relevant Approving Committee. • Conducting due-diligence of all requests vide a detailed process including financial analysis, establishing a viable borrowing cause, industry analysis, examination of counterparty’s business model and conclude with intelligent recommendations. • Underwriting financing requests pertaining to Green Field Projects, Restructuring, Re-profiling, CAPEX / BMR, Infrastructure Development Projects including Mass Transit, Renewable Energy, Joint Venture Projects, Public Sector Projects for Macro Economic Development, Construction based Mega Projects, Syndicate based Transactions and Leveraged Buyouts. • Re-engineering of Inter-departmental processes; remodelling of Obligor Risk Rating model; revising financing analysis mechanism by assigning weightage to indicators based on importance in line with market dynamics. • Providing coaching and guidance to analysts in order to broaden their knowledge base and increase their level of expertise and independence to work with supervision. Show less



Burj Bank Limited

• Banking
• 200 - 300 Employee

• Senior Relationship Manager - Corporate Banking

  • Dec 2013 - Jan 2015

  • Reaching assigned goals of financing while devising optimum ways to earn income through cross selling of available products from current portfolio as well as booking fresh clients. • Make financing proposals for offering various lending and investment solutions. • Manage and train junior members of the team, including peer members and interns. • Reaching assigned goals of financing while devising optimum ways to earn income through cross selling of available products from current portfolio as well as booking fresh clients. • Make financing proposals for offering various lending and investment solutions. • Manage and train junior members of the team, including peer members and interns.



Dubai Islamic Bank Pakistan

• Banking
• 700 & Above Employee

• Relationship Manager - Corporate and Investment Banking

  • Aug 2007 - Dec 2013

  • Achieving targets of booking assets and earning various forms of income through cross sell. • Booking new corporate customers as well as identifying further business opportunities from existing relationships. Preparing credit proposals for corporate lending and providing investment solutions (structuring and preparation of Sukuk issuance as well as Forward bookings of FX). • Managing clients out of the aftereffects of sudden shocks that may cause possible delays / defaults. Managing and training Relationship Officers, Analysts and interns. Show less



Lahore School of Economics

• Pakistan
• Higher Education
• 200 - 300 Employee

• Teaching Assistant

  • Sep 2004 - Aug 2007

  Responsible for assisting teachers in lecture preparations, grading tests and conducting tutorials Responsible for assisting teachers in lecture preparations, grading tests and conducting tutorials



Motorola Mobility (a Lenovo Company)

• United States
• Computers and Electronics Manufacturing
• 700 & Above Employee

• Intern

  • Jun 2006 - Aug 2006

  Was responsible for the facilities provided, generate expenditure reports, prepare new premises for accommodation and shifting of the staff and prepare as well as short list candidates for new jobs. Was responsible for the facilities provided, generate expenditure reports, prepare new premises for accommodation and shifting of the staff and prepare as well as short list candidates for new jobs.