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概要
As a seasoned financial services professional, I bring unique expertise in core banking system transformation, migration, implementation, and digitalizing retail operations and credit processes. My expertise also includes credit risk assessment and structuring, regulatory reporting and compliance (e-CIB, ROR, A07, Agriculture, Quarterly, Half-Yearly Credit reports), and policy implementation and procedure development. Additionally, I have a strong leadership and team-building background, with proficiency in advanced excel with a comprehensive understanding of financial operations and regulations, I am well-equipped to drive business growth and success.
Skills:
- Core Banking System Implementation & Migration
- T-24 Business Consultant
- Digitalization
- Loan Originating System (LOS)
- Data Analysis
- Software Tester
- Risk Management
- Credit Scoring
- Credit Analysis
- Financial Reporting
- Project Management
- Operations Management
- Compliance
- Leadership
- Excel Proficiency
项目
工作经历
Senior Application Support
Provide second-level support for the core banking system (Transact) post-go-live.
Maintain integrity reports, parameterization, and TDS-free services management.
Troubleshoot system issues, minimizing downtime and ensuring 100% system availability.
Work closely with the IT team, business users, and vendors to enhance system efficiency.
Conduct user training and support, improving operational efficiency.
Manager UAT & Operations
Prepared Credit BRD's, conducted Unit Testing, and UAT for system configurations.
Developed and implemented credit requirements in Core and Branchless Banking Systems.
Managed daily credit operations and implemented internal SOPs for Operations.
Resolved user queries related to Credit in a timely manner.
Collaborated with internal departments to achieve system UATs and process reengineering.
Manager UAT & Operations
Prepared Credit BRD's, conducted Unit Testing, and UAT for system configurations. Developed and implemented credit requirements in Core and Branchless Banking Systems. Managed daily credit operations and implemented internal SOPs for Operations.
Resolved user queries related to Credit in a timely manner.
Collaborate with internal departments to achieve system UATs and process reengineering.
Collection Supervisor- North (Islamabad/Peshawar Area)
Effectively monitored daily staff activities and guided them towards achieving targets.
Maintained provision MIS, provided collection-related information to management, and closely monitored collection officer performance.
Deputy Regional Recovery Manager
Reported periodic recovery status to management and managed branch recovery.
Maintained provision MIS, provided collection-related information to management, and closely monitored collection officer performance.
Assisted the Regional Business team in defining and documenting product initiatives.
Credit Manager
Ensured policy compliance during credit review and evaluated borrower creditworthiness.
Managed a team of 30 credit analysts and prepared management dashboards and MIS reports on Credit exposures.
Assistant Manager Credit & Insurance (Credit & Risk Management)
Ensured credit application compliance and assessed creditworthiness based on cash flow and repayment sources.
Managed accurate security documentation, reported credit exposure to Central Bank (SBP), and effectively led a team of 3 credit analysts while serving as the Point of Contact for the digital lending model.
Relationship Officer
Customer Relationship Officer
Credit Specialist-1
Thoroughly reviews loan applications, ensuring compliance with credit guidelines and maintaining documentation quality.
Implements loan product stipulations, achieving reduced rejection rates, while proactively pursuing fraud cases and conducting random field verifications for pre and post disbursement.
