Experience

The Bank of Khyber

• Pakistan
• Banking
• 700 & Above Employee

• Vice President I/ Credit Portfolio Analyst (Unit Head)

  • Jan 2020 - Present

  Responsibilities: SME, Corporate and Infrastructure Project Financing (Islamic & Conventional) Proposals review in the prospect of Financial risk analysis and compliance with PRs ,regulations, Policies and Guidelines. Any breach is handled/accommodated as per approved criteria,best Industry practices and Expert Judgement Techniques.

• Credit Portfolio Management Unit Head, AVP

  • Jan 2017 - Dec 2019

  Responsibilities: Credit portfolio monitoring and Reporting.limit Breach analysis.Industrial concentration analysis.Industrial research reports development and Sharing with Management.Stress testing and reviewing as per Banks appetite.Corporate Credit Proposal Risk Analysis.IFRS 9 implementation team member.

• Credit Risk Modeling Unit Head, AVP I

  • Apr 2013 - Dec 2016

  Responsible for Risk Models Development and Implementation for all domains as per Basel II and SBP.1. Presented a detailed presentation to MRMC on Probability of default (PD) Model development.2.Revised and implemented all consumer models of Bank as per the guidelines and circulars of SBP (excel based).3.Developed and Implemented the first ever behavior Models of all consumer products (excel based).4.Revised the current FRR (Facilty risk ratingh) Model to Semi Automated version (excel based).5.Automated and revised the current SME model through TTC (through the cycle) approach (excel based).6.Automated the SMEs format of Proposal Initiation and disbursement (excel based).7.Developed the Small enterprises and Medium enterprises Customers risk model (excel based).8. Developed the Industry risk rating model for the highly concentrated economic sectors.9. Developed and implemented the Corporate Customers Risk Rating Model.10. High value portfolio report development for higher management on monthly basis.11. Validated SME customer risk rating model through quantitative methodologies.



Askari Bank

• Pakistan
• Banking
• 700 & Above Employee

• Manager Grade

  • Oct 2012 - Apr 2013

  I was engaged in Development of Industry Risk Rating model methodology. Also developed Reputation Risk Model Template for Bank . Performed NPL Analysis on Agri and Islamic Exposure along with Economic reasoning. I was engaged in Development of Industry Risk Rating model methodology. Also developed Reputation Risk Model Template for Bank . Performed NPL Analysis on Agri and Islamic Exposure along with Economic reasoning.



PwC

• Professional Services
• 700 & Above Employee

• Senior Associate Consultant

  • Mar 2008 - Oct 2012

  -Segmentation of credit modelling data on the basis of Industries and constitutions.-Research on the statistical and non statistical sampling techniques .-data mining of credit risk modelling at MCB

• Risk Analyst

  • Sep 2007 - Mar 2008

  -credit data capturing of both regular and NPL parties.-data error checking like extreme values and missing values treatments for cleansing purpose.-Research on the linear and non linear regressions-Presentations on the development procedures of credit Risk models.