 To Manage & Recover (Commercial, Corporate and SME) Product’s NPL, contain the recovery Loss Figures within the decided Budgeted Targets and meet the business profitability numbers through negotiation & innovative pressure tactics by interacting with & tracing clients/customers. Implementation of strategies for the reversal of provision & developing of a strong organization structure under the Bank’s policies (Rescheduling & Restructuring) & SBP regulations, that would sustain the demands of business operations and promote resource / personnel backup creation in order to guarantee business continuity and sustainability. Track and manage the Commercial Assets NPLs and prioritize resources as required. Implement processes and provide feedback on policies / procedures to minimize incidence of NPLs in light of Current Trends. Member of Special Assets Management Committee headed by President & CEO, Keeping up to date in all market conditions affecting the bank. Looking after litigated portfolio, coordination with Bank’s lawyers and follow-up. Frequent interaction with lawyers for filing & deposing of civil suits/plaints in Banking & High Courts, & Criminal proceedings through Police. Representing court & liaison with court officials & revenue officials & attend court for cases updates, & also conduct & facilitate auction of properties (Pledge stocks, Leased Assets) of the defaulted clients with or without court. Coordinate & facilitate CRC for Verifying the adequacy of documentations of charge/security for legal proceeding.  Tracing & attachment of client assets from court for the satisfaction of decree. Meetings with external agencies like NAB & FIA in matter of default cases/clients. Managing Business Intelligence Unit (BIU) & operational activities to ensure the books of bank remain maintained and compliance with the SBP regulations, guidelines and rules.

As a Risk Head, worked and ensured that corporate policies adhere to governmental regulations and also ensured internal controls are functional and adequate. Responsibilities:- Involved in financial consultancy pertaining to restructuring of financial and non-financial sector. Financial Advisor.  Recovery and collection set ups in various sectors.  Structure building at the time of initial establishment of business.  Structure building of RASTA FM (Road and Streets awareness). Mega project of Pakistan with the collaboration of Government of Punjab. Director and board member of United Team Network. (UTNT).As a Risk & Fraud Management consultant helps a company's top leadership identify, assessand monitor risks implicit in a firm's operations. These risks may be operational, financial (market or credit risks), technological or compliance related. A risk analyst partners with the accounting, regulatory affairs, and internal audit departments' staffs to review operational procedures and guidelines, and ensures that such procedures conform to top leadership's instructions, industry practices and regulations.

 Established legal & recovery department. Legal team management, dealing with different law forums. Being a first RCH Establish new collection setup and new fraud management department in central Region. Minimize the losses to gain more profit in Lease & Working Capital Trade lending. Ensuring that all requirements of the renewals process is completely adhered as per policy without any compromise. Running Finance facilities are appropriately reported to MIS unit for classification if mark-up is not paid as per frequency. Ensure that all documentation of customers are safely kept as per the requirement of the management Developed plan for acquired bank. For collection staff, resulting in increased performance and greater time-management efficiency for staff. Manage all Collection activities are effectively performed. Collection formed. Initiated close interaction with Sales & Credit Policy for effective portfolio management. Control and manage North collections, Recovery, Litigation process to optimize cost effective recovery of overdue payments & cash flow from provisions. Ensure across the board utilization of collection system and monitoring of productivity MIS of collection. Advice any change that are required in the policy for proper functioning of Consumer collection business. Trend analysis of delinquent portfolio and suggest changes in the credit policy and collections strategy on on-going basis. Established Fraud Management Department 2006 & also Head FRMU & Collection till April 2007. Establish Recovery (Collection & Legal) Department.

 Figure a Structure and Collection & Fraud Management Department in North Region. Portfolio management. Establish Cash Handling and process/Quality Assurance Department in Collection. Develop legal department for litigation activities. Ensure Satisfactory audit rating in consumer Audit .(Internal & External Audit). Supervised the entire Assets portfolio of central region. Effectively supervised regional collection /Credit team. Successful Launched of the products in entire central region.

●Worked in Risk Management and Fraud Control Unit 1998 to Jan 2000 ●Worked in DRVU / CIU./ EMU. June 1997 to June 1998. ●Worked in Citi Cards Sales 1994 to Dec 1997.Duties:- Being a sole and first external investigation officer responsible for the detection of all fraudulent activities in issuing and acquiring side of Business. Transformed Risk Management into Fraud & Risk Management Unit (FRMU). To conduct meetings with internal & external customers of the bank to minimize the risk and fraudulent activities. Prepared meetings to educate merchants on regular basis. Bank Coordinator in Document retrieval and verification. Coordination with different external departments for the verification of Documents and Verification of loan applications for identification of forgeries. Identification of customers for the credit cards. Personnel selling of credit cards. Team building of Sales Executives.