1.      Coordinate and develop product wise thresholds for Consumer segment while ensuring compliance of all regulatory requirements, in order to minimize the credit losses resultantly improve organizational profitability.
2.      Responsible for reviewing and presenting consumer loan applications to the Chief Risk Officer (CRO) for decision.
3.      Reviewing and recommending consumer product programs.
4.      Successfully implemented loan Origination System (LOS).
5.      Supervising/preparing stress testing (SBP/Internal) reports for onward submission to the SBP and senior management.
6.      Maintaining and monitoring credit risk dashboard.
7.      Developing and monitoring risk appetite of the bank to ensure that the limits comply with the internal policies of the bank and SBP guidelines.
8.      Compiling and presenting SBP related MIS.
9.      Preparing presentation for Board Risk Management Committee.
Senior Risk Analyst, Risk Management Division, AVP                                                             (Sep 2013 to Jun 2019)
1.      Review loan proposals as per approved credit program/SBP PRs for each consumer product.
2.      Risk review and recommendation in consumer product programs. Facilitateted in development of consumer programs.
3.      Development and automation of behavioral/acquisition score card for consumer banking.
4.      Worked on overall process improvement and risk mitigation in consumer risk.
5.      Developed central database for risk management department, which helped to monitor TAT of credit proposals/requests and employee performance.
6.      Achieved automation of financial spreads used in the bank, which helped in maintaining online record of clients.
7.      Credit risk review of consumer/agriculture /SME loans - both for Islamic as well as conventional segments.
8.      Worked on vintage analysis for consumer portfolio.

Senior Credit Analyst, Remedial Management, AVP                                                             (May 2009 to Sep 2013)
1.      Monitored risks associated with watchlist accounts of watchlist portfolio for Corporate, Commercial and SME segments - both for Islamic as well as conventional banking.
2.      Worked with local branches across the country to improve default ratio and recovery of loans.
3.      Prepared presentations/recommendations for the Head Office Credit Committee every month on watchlist portfolio.

I worked in sales as a Branch Manager and in Credit Department as a Regional Credit Head for the North Region.
Branch Manager, AVP                                                                                                              (Sep 2008 to May 2009)
I worked as a Branch Manager in a newly formed SME segment known as “Salaam Banking”.
1.      Topped in the country by booking maximum consumer loans in one month.
2.      Achieved default rate of 3% for the branch’s credit portfolio, which was well below industry average.
3.      Won the High Energy award for the branch in the North Region.
4.      Increased branch deposits by 35%.
5.      Managed branch expenses and kept them low.
 
Regional Credit Initiation Head North & Islamabad                                                             (Sep 2006 to Sept 2008)
Worked as part of Risk Management team in Credit Department and looked after the secured and unsecured consumer products along with the ‘Verifications’ unit. I approved a healthy portfolio of Rs.862 million with 3,215 cases in small business loans. An amount of Rs.55 million was secured by identifying fraud in the cases. Kept a strong liaison with other departments. Managed team of 20 people.

I was given various assignments, which were successfully completed and consisted of launching personal loans and cash line (running finance) products, stream lining and training of staff in the ‘Verifications’ unit and managing auto loans, home loans and business financing in the region.
1.      The team was praised as the best credit review team in Pakistan by senior officials.
2.      Managed a team of 22 Credit Analysts.
3.      Liaised with legal firms, property valuation firms and income estimation firms for authentication of reports and maintained/improved Turn-Around-Time (TAT).
4.      Made recommendations to policy for updates and requirements with respect to market changes in the products.

1.      Booked a healthy portfolio with low default rate.
2.      Constant market check was kept to keep track of property price fluctuations through Housing Pricing Grid (HPG).
Detailed verifications were conducted to minimize any element of fraud.

Successfully launched Running Finance & Personal Loans with a team of ten people which included two credit analysts, seven processors and a tele-caller. Built up a healthy portfolio of Rs.1.4 billion approximately. Approved highest number of cases in a single month in north region in the industry amounting to 800 loans in cash line (running finance).

1.      Successfully launched Home Loans in the north region.
2.      Booked a healthy loan portfolio in the Mortgage Sales Department.
3.      Managed a team of six sales relationship officers and a processor.
4.      Maintained strong liaison with external agencies and internal departments.