- Managing two secured products, Mortgages and Business Term Finance with a combined portfolio of USD 50M - Working on re-launch of Auto Finance - Business ownership of meeting secured products revenue targets by ensuring delivery of sales numbers and portfolio growth - Responsible for the development and execution of customer value proposition in terms of product, pricing, process & channel strategy - Tracking P&L variances from budget & execute strategies to ensure NFI & NII targets are met - Designing and implementing campaigns/promotions to promote portfolio growth - Providing customer delight and service guarantees for consumers by ensuring internal processes are effective and efficient - Working in close liaison with Treasury to offer hybrid rate pricing options as a unique selling proposition - Provide leadership, support, and training through various training programs, to create better understanding of mortgage based lending products among the employees

- Responsible for end-to-end risk management to ensure the risk-reward profile of the secured lending portfolio is controlled and optimized. - Managed portfolio of USD 75Mn. Took pro-active & remedial actions to manage portfolio and contain delinquencies. Changed through-the-door policies to actively manage the risk profile for the portfolio.- Managing Portfolio Risk and enhancing growth for Secured Portfolios in line with business expectations and budget numbers.- Optimizing Risk Appetite parameters to balance the equation of Recession Loss and Return on Risk Weighted Assets.- Worked closely with the Collections team to ensure mortgage delinquencies and losses were within acceptable threshold as defined by the bank policy. Worked with Collections to aggressively settle written off customers. - Embedded the Risk Appetite framework in all policy decisions to ensure impact of changes is well understood. - Worked in close conjunction with Business to support business growth plan while maintaining a balanced risk appetite and sound credit performance. Identified various growth opportunities for business based on Risk Appetite parameters and bureau analysis. The results were shared with business team to pursue the customers. - Performed loan loss forecasting to quantify the underlying portfolio risk- Actively engaged Collections/ Legal Instigation management for resolution of delinquent portfolio and minimization of Credit Losses. - Instrumental in implementation of four new collaterals (KASB Capital Protected Fund, Engro Corp. TFC, KESC TFC, Pakistan Refinery Limited TFC) for inclusion in the approved list of collaterals for secured overdrafts product resulting in booking of new business of $10 million.- Devised and implemented marked to market (MtM) process for lending against marketable securities in wealth managment.

- Spearheaded Auto Loans portfolio of $90 million & Overdrafts portfolio of $40 million post integration of Union Bank and Standard Chartered Bank. - Developed credit policies & criteria for auto loans business and monitored portfolio performance.- Designing acquisition criteria that optimizes the risk and reward equation for through the door booking. Development of Credit Approval Document (CAD) in line with market dynamics, business' profitability targets and country's risk appetite.- Close coordination with Collection and recovery units, and vintage analysis of the loss trajectory and loss forecast. Exiting bad portfolio through settlement program.

- Involved in portfolio management and development of policies.- Focused on renewal of good book/ credit lines and exit of bad portfolio.- Liaised with the Credit Policy Head in development of policies for SME program based lending.- Conducted review of high limit & deviation cases.