Experience

• 

  Central Bank of The UAE

  • Abu Dhabi, United Arab Emirates

  • Macro Prudential Modeling and Stress Testing - Financial Stability

    • Aug 2019 - Present
    • Abu Dhabi, United Arab Emirates

• 

  Standard Chartered Bank

  • Dubai Emirate, United Arab Emirates

  • Asc. Director Treasury Risk

    • Jul 2016 - Jul 2019
    • Dubai Emirate, United Arab Emirates

• 

  Standard Chartered Bank

  • United Kingdom
  • Banking
  • 700 & Above Employee

  • Manager, Market & Traded Credit Risk

    • Dec 2012 - May 2016

    Managing UAE Liquidity and Price Risk - Market & Traded Credit Risk.

  • Group Market Risk - Standard Chartered Bank Pakistan

    • Jan 2009 - Dec 2012

    Managing Market Risk Dept. for Standard Chartered Bank Pakistan, Standard Chartered Modarba and Standard Chartered Leasing Pakistan.Advisory capacity for Market Risk policies/ guidelines (Trading, ALM and Liquidity) on limits issues (applications and excesses). This includes monitoring the applicability of the limits, policies and procedures to the local context.Ensure all market risks activities are identified and monitored on a timely basis. Review and analyze key exposures, limits and their utilisation in view of prevailing market conditions.Support ALCO in their balance sheet management.Contribute towards development of the Group's strategic risk management capability and risk/return assessments and benchmarks.Extra Responsibilities - UORM (Unit Operational Risk Manager)Assist Business Unit Head and Business Operational Risk Manager (BORM) in coordinating, driving and directing effective compliance and operational risk management at the Business Unit level.Implement controls within the Business Unit to meet all regulatory and internal requirements.Ensure proper functioning of day-to-day controls, periodic monitoring activities and timely resolution of risk issues.

• 

  Bank Alfalah Limited

  • Pakistan
  • Banking
  • 700 & Above Employee

  • Credit Risk Analyst

    • Jan 2008 - Jan 2009

    Implementation of FIRB (BASEL II) framework.Rating Systems (Corporate / Commercial / SME) for Obligors.Agri Finance & Consumer portfolio scoring models & validation of system.Calculation of CAR, Economic Capital , Risk Based Pricing Model & ICAAP.Discriminatory Power Analysis / CAP Ratio for validation and calibration of rating models.Calculation of Beta for Internal rating system and analysis of PD estimates against Actual. Retail Scoring Model, Implementation and Validation of Model Score Function (MDA - Multivariate Discriminant Analysis)Implementation and Test run of Facility Rating System and Calculation of LGD, EAD, Expected Loss under AIRB.Review/ analysis of credit proposals from Corporate & Commercial banking group.Regulatory Compliance & monitoring of Credit Concentration Risk.

  • Relationship Manager

    • Dec 2006 - Jan 2008

    Responsible for building up a profitable credit portfolio for the branch, Management of credit relationships (SME & Commercial) and enhance business. Managed a credit portfolio of over Rs. 500 million without NPL (Non performing loans). Conducting due diligence on prospective customers, including preparation and processing of credit proposals based on the analysis and interpretation of financial statements, managing and coordinating with different departments for smooth flow of business transactions.Handling credit administration activities and ensuring all requisite documentation is completed prior to disbursement. Monitoring loan repayments on monthly basis and Following up on overdue/ late payments.

• 

  Microfinance Bank Ltd

  • Information Systems Manager

    • Feb 2004 - Sep 2005

    Responsible for Re-engineering of business processes and automation of bank operations. Managed the implementation PIBAS Banking system and network setup at Bank's Head office.Set up and maintenance of IS and application systems at Head office and Main Branch.