Key Accomplishments
* Defined Riyad Bank’s Enterprisewide Risk Mgt. Framework / Policy, Capital Mgt. Framework / Policy and Overarching Stress Testing Framework / Policy.
* Defined and presented to Senior Management, the policy, process and procedural components of an IRB (Basel II/III) compliant ‘Default Framework’.
* Identified a range of early warning indicators and red flags for loan portfolio management purpose.
* Defined and documented comprehensive retail and wholesale credit risk stress methodology and process for credit risk portfolio management purposes.
* Led and effectively managed periodic SAMA inspections and SRV dialogue, internal audit engagements, and external validation exercises of material Basel Pillar II risks with zero inventory of observations.
* Instrumental in identifying requirements for additional eligible capital on periodic basis and active engagement with internal stakeholders (Finance, Treasury, ALCM Dept., ALCO, etc.) in subsequent issuances of Tier II capital instruments.
* Part of the select senior executive risk team which conducted due diligence for Riyad Bank’s potential merger and was responsible for compiling a due diligence report (defining risk issues) in coordination with risk stakeholders for Board review. 
Head - Capital Management – CRO’s Office                                                                
* Promoted to and led and managed the Capital Management function at Head Office as a D-SIB Bank with prime objective to monitor and manage Internal Capital Adequacy Assessment Process (ICAAP) and stress testing under Pillar II of BIS Framework. Ensured SRV process and regulatory dialogue was successfully completed. Regularly praised by C-level leadership for quality oriented delivery.
* Responsible for managing and providing CRO, executive management, ALCO and Board of Directors reports on (a) Bank’s risk based capital charge requirements and available / required capital buffers, (b) evaluation of the level and trend of material risks on capital levels, and (c) identifying quantum and type of additional regulatory capital in line with strategic plans.
* Responsible for interaction with internal risk stakeholders to compile and present ICAAP Document and Stress Testing Report to Saudi Central Bank (SAMA) including coordinating an in-house ‘challenge and review’ process with C-level executives and direct engagement in subsequent dialogue with SAMA under Supervisory Review Process.
* Led and presented high level reviews to C-level executives on evolutionary Basel changes from capital adequacy perspective including IFRS-9 impact on capital, peer capital positioning and analysis, inputs for Risk Appetite Statement (RAS), internal capital adequacy dashboard and related analysis.
* Part of various ERM based initiatives / projects with vendors providing high level technical inputs.
* Member and Secretary of Banks’ Working Group on Capital Reforms under Basel III formed by SAMA (Saudi Central Bank) for industry dialogue.

* Supervised Riyad Bank’s Credit Strategy Unit to ensure that (a) sound credit risk strategy(ies) were developed, documented and implemented for the Bank, (b) refinement and implementation of risk / business acceptance criteria (RACs/BACs) for various business segments, and (c) Board / senior management level reporting via risk appetite dashboard and statement (RAS).

* Directly reporting to the CRO, I was responsible for (a) monitoring loan portfolio quality, sectoral limits, obligor rating migration, concentrations, and other significant trends prevalent in the Bank\'s loan book, and (b) special review assignments for assessing efficacy and efficiency of credit policy and credit management processes for lending products.
* Provided an independent view to senior management on various elements of IRB approach for credit risk (Basel II) with implications on credit risk strategy and policy, risk based governance structure, obligor ratings, stress testing, etc.

Key Accomplishment
* Ensured \'business as usual\' within Credit Country Office during transitory period (acquisition of ABN AMRO by RBS) maintaining target TAT on credit proposals, while adapting to the revised / new policy parameters, guidelines and risk assessment systems.
Senior Credit Manager - Country Credit Office (Global Banking & Markets)
* As part of Country Credit Office (Global Banking & Markets), Head Office, responsible for undertaking credit risk assessment and providing recommendation on corporate credit proposals of MNCs, large local corporates, public sector entities and business groups in line with international standards.

Key Accomplishments
* Inculcated awareness of contemporary concept of operational risk at advanced level within ABN Amro Bank Pakistan through engagement and training at various management levels and across all Business Units / Functions.
* Able to meet tough deadlines and meet TAT in complex credit risk approvals in the situations of resource constraints.
Deputy Head - Commercial Risk, Country Risk Office
* Located at Country Head Office, provided independent risk analysis and advice / recommendations on large ticket credit proposals to Country Risk Officer, Regional Risk Office (Hong Kong/Singapore) and Group Risk Management (HO, Amsterdam).
* Contributed to Business Unit strategies and initiatives via early engagement.
* Implemented Bank’s Risk policies and procedures in the local customized context.
* Ensured all credit risk owned data is appropriately delivered to support the Basel 2 reporting; achieved 99% accuracy.

* Active engagement on operational risk issues with business and service units in the extended network of 83 branches to proactively support and challenge them in managing and reporting on (measuring, monitoring and mitigating) operational risk exposure under Advanced Measurement Approach (AMA).
* Assisted Country Management in defining Bank’s Terms of Reference for BoD’s Risk Management Committee based on Integrated (Enterprisewide) Risk Management concept and local regulatory framework.

Full 360 degree expsoure towards credit risk managemenet cycle from front-end relationship management to approval to credit risk monitoring and management to enterprisewiee risk management.
Key Accomplishment
* Achieved recognition from Central Bank (SBP) and senior management on the systematic and phased approach towards adoption of SBP\'s Risk Management Guidelines and Basel 2 requirements with limited resources, ahead of peer banks.
Senior Risk Manager - Credit & Operations – Head Office                                                
* Defined Bank’s Integrated Risk Management Framework, covering Credit, Operational and Market Risks compatible with State Bank of Pakistan’s (SBP) Risk Management Guidelines and Corporate Governance Framework.
* As Member of Bank’s Basel 2 Implementation Team, devised Bank’s Basel 2 Implementation Plan in-sync with SBP Road Map and represented Bank in ensuing discussions with officials of SBP.
* Authored Reference Guides on Credit and Operational Risk for use by risk constituents to faciliate Basel II implementation.
* Conducted periodical Stress Testing and Concentration Analysis for Bank\'s Loan Book.
* Reviewed reports of Credit Risk Review function for holistic assessment of inherent and likely risks in Lending Book.
* Reviewed, for BoD sign-off, ancillary risk policies pertaining to credit, market and operational risks including information security policy, Product Programs of Consumer Finance, Islamic Banking, and SME.

Credit risk approval function for corporate, commercial and SME segments at Head Office, D.H.A., Lahore, Pakistan

Team Leader of Corporate / Commercial Relationship Managers at New Garden Town (Corporate) Branch, Lahore, Pakistan

* Managed branch’s credit portfolio (size: Rs. 1.3b) and it’s growth as per business plan while remaining within the risk boundaries. Branch’s credit portfolio included a diverse range of corporate, commercial and SME customers.
* Mobilized and increased deposit base of the branch.

Corporate / Commercial Relationship Management role at Country Main Branch, Gulberg, Lahore, Pakistan (allocated portfolio size: Rs.1.0b.)

 * Managed sizeable credit portfolio of Bank’s flagship branch housing 60% of Bank’s commercial and corporate loan portfolio.
 * Solicited deposits from assigned relationships / sponsors.
 * Developed a diversified loan portfolio through cross-selling consumer products.

Joined as Operations Officer and subsequently propmoted as Branch Manager (Lahore).
Main responsibilitieds:
* Solicited, negotiated and handled large ticket lease transaction including syndicated leases with blue-chip companies.
* Mobilized deposit on individual, institutional and corporate basis.
* Instrumental in marketing of and establishing infra-structure for Askar Car Financing scheme in Lahore region including setting up of dealership network, sales team management, external agencies management and implementation of rigorous recovery procedures.

Part of Finance Team at, Head Office, Lahore, Pakistan in a large consumer and industrial products conglomerate.

Supervised and conducted various audit and financial planning assignments for Country Juices, Micro Electronics (Pvt.) Ltd., Lahore Diocesan Board, etc.

Seconded to a senior position in Abacus Consulting during CA articleship

with it’s sister concern – Asad Ali Khan & Co., Chartered Accountants
 
Supervised and executed economic and financial  feasibility studies, market
research assignments, accounting and operational system development,
audits and organizational development studies and development of
computer-aided financial simulation models. Major clients managed
included Pakistan Telecommunication Co. Ltd. (privatization strategy
formulation in collaboration with Coopers & Lybrand International),
Tourism Development Corporation of Punjab (Patriata  Hill Resort development,
Jallo Theme Park –Mini Disney, 5-star hotels at Lahore), Capital Development
Authority (5-star hotel, shopping mall and office complex at Blue Area,
Islamabad, Capital Theme Park), Service Sales Corporation (Servis shoes:
marketing audit, marketing management information system, human
resource development), BS Link Power (hydel power station), Sheraton Hotel
(Lahore), 5-star hotel and commercial complex at Falatties Hotel, Lhr., etc.