Experience

Bank

• Pakistan
• Banking
• 1 - 100 Employee

• VP / Senior Manager - ERM

  • Oct 2011 - Present

   Designed & implemented risk management strategies, policies and procedures from the scratch.  Developed Risk Appetite of the Bank.  Developed tools to ensure bank’s overall credit risk exposure is maintained at prudent levels and consistent with the available capital.  Analyze operational risk of credit processes and provide recommendations.  Gather and analyze economic data to determine impact on business operations where appropriate  Identify the Operational Risk associated with Branch and Branchless Banking.  Responsible for overall Bank’s reporting to the Regulator i.e. State Bank of Pakistan, which includes,  Stress Testing,  Duration Analysis,  Liquidity GAP Analysis  E-CIB reporting  Capital Adequacy Ratio, etc.  Developed entire Credit Operation Process and authorized for loan approval.  Management of collateral.  Management of Credit Documentations  Any other task assign by the management from time to time. Show less



The Bank of Punjab

• Pakistan
• Banking
• 700 & Above Employee

• AVP/ Team Manager - Risk Assets Review & BASEL Compliance

  • Feb 2011 - Oct 2011

   Reviewed Credit, Market and Operational Risk Management Policies / Manuals.  Reviewed following Divisions of the Bank to effectively assess the Assets appearing on the face of the balance sheet as per annual plan 2011.  Corporate Portfolio PKR 156 Billion  Commercial Portfolio PKR 18 Billion  Treasury Group. PKT 80 Billion  MCR PKR 136 Billion Risk Weight Assets  Consumer Financing Portfolio PKR 4 Billion  Agricultural Financing Portfolio PKR 6 Billion  Risk Management Division  Back Testing of following Internal Models:  Internal Risk Rating for Corporate Borrowers  Internal Risk Rating for Commercial / SME Borrowers  Internal Risk Rating for Consumer / Agricultural Borrowers.  Calculation of Minimum Capital Adequacy Ratio  Stress Testing, Credit, Market & Liquidity Risk Shocks Show less



Askari Bank

• Pakistan
• Banking
• 700 & Above Employee

• Credit Risk Manager

  • Aug 2007 - Jan 2011

  Risk Management Division - Manager Credit Risk  Identification of Credit Risk in Corporate, Commercial and SME cases on Bank vide basis. PKR 170 Billion,  Monitoring the quality of credit portfolio.  Verifying that credit Compliance.  Analysis and Decisions on new credit and annual review packages Branch Level – Manager Credits  Preparation of Credit Proposals handled portfolio of PKR 2 Billion funded and PKR 5 Billion of Non Funded Business.  Client Assessment (Financial / Management / Social)  Structuring of Credit Limits as per business requirement, (Corporate/Commercial/SME)  Compliance with Regulatory and Internal Policies.  Audit Rating “A” for consecutive 2 years. Show less



MCB Bank Limited

• Pakistan
• Banking
• 700 & Above Employee

• Credit Officer

  • Sep 2006 - Jul 2007

  Branch Level Position Credit Assessment related to credit portfolio of the branch. Evaluation of Credit Performance, worthiness of the clients. Preparation of credit approvals package. Branch Level Position Credit Assessment related to credit portfolio of the branch. Evaluation of Credit Performance, worthiness of the clients. Preparation of credit approvals package.



Bank Alfalah Limited

• Pakistan
• Banking
• 700 & Above Employee

• Operation Officer

  • Aug 2005 - Jul 2006

  Branch Level Position Account Opening of the Bank's Clients Issuance of Demand Notes & Pay orders to the clients Managed branch Remittance business. Assist Operation Manager as his Back in overall Operations of the Branch. Branch Level Position Account Opening of the Bank's Clients Issuance of Demand Notes & Pay orders to the clients Managed branch Remittance business. Assist Operation Manager as his Back in overall Operations of the Branch.