Led the overall risk policy function and implemented policy / guideline improvements. Besides formulating the non-existent Risk Management Framework and relevant policies, I was entrusted with the following:Management of Risk Policy related issuesTo ensure that Risk Policy remained within the ambit of SBP prudential regulations for microfinanceAnalysis of the credit risk management function in terms of sample sizes for review and verificationPeriodic stress testing of the overall portfolio as well as specific cuts of the portfolio to better understand the expected portfolio behavior in the face of adversityReview of all existing risk policies and their amendment based on practical experiences and learningMonitoring of Key Risk Indicators (KRIs) in order to assess the operational risk of processes, departments and bank branchesReview of all product programs from a risk perspectiveCoordination with Business, Product and other departments in order to obtain feedback and promulgate changes to the existing guidelines/processesAnalysis of Advances (loan data) to ascertain portfolio health i.e. measuring delinquency (Portfolio at Risk) by Product, Geography, Gender etcAnalysis of loans in default during a specified period i.e. gross write-offs, recovery and net write-offsAnalysis of portfolio mix in order to check product concentrationAnalysis of deposits by>Depositor>ProductAnalysis of gross loan portfolio by product and geographyAnalysis of vault position to ensure that cash and bullion remained within the threshold specified by the insurerAnalysis of market value of gold (local and international) to specify a rational LTV for collateral backed loansAnalysis of ENRAnalysis of data pertaining to gold auctioned for recovering loan amounts in defaultAnalysis of MTD and YTD loan disbursals

Spearheaded the Credit Risk Management Units across Pakistan i.e. Karachi, Lahore, Hyderabad, Bahawalpur and Gujrat. Following tasks were carried out under my supervision:• Pre-disbursal scrutiny of loan applications including field verification• Post-disbursal review of loan applications (Quality Control)• Analysis of application data• Identification of vulnerabilities that the organization may be susceptible to• Design and implementation of controls to minimize losses• Preparation of guidelines (in line with the company risk policy) for each loan product• eCIB queries & monthly reporting of active borrower data to SBP• Feedback to business/sales for improving their processes

Supervised credit related tasks at Karachi and Hyderabad that included:• Pre-disbursal scrutiny of loan applications including field verification• Post-disbursal review of loan applications (Quality Control)• Analysis of application data• Design and implementation of controls to minimize losses• eCIB queries & monthly reporting of active borrower data to SBP

Managed high volume of corporate / individual applications for existing / new clients to facilitate disbursement of Sharia’a compliant modes of financing i.e. Ijara and Murabaha.

Designed, developed and implemented an Inventory and Accounting Information System utilizing Oracle 8 as the application back-end and Developer 2000 Release 2.1 as the front-end GUI.

Designed, developed and implemented a:> Student Information System> Library Information Systemfor Pakistan Navy Engineering College at PNS Jauhar, Karachi utilizing Oracle 7 as the application back-end and Developer 2000 Release 2.1 as the front-end GUI.

Initially joined the company as a Junior Officer in the Motor Vehicle Claims Department and assisted Manager Claims to do correspondence with the clients and valuators till final settlement of each claim.Acquired considerable experience in tackling legal issues with reference to the lodged claims.Worked in the Administration Department as an Administrative Officer where main job responsibility was to maintain personnel records in the company database system.