Hammad Najeeb Email & Phone Number

Pakistan

Being the part of the best team of bank who is leading the biggest consumer portfolio in the industry. Managing consumer unsecured portfolio over a size of $150mn. Perform multiple activities-- Monitering and focus on Non performing loan resolution--Vigilantly analysing the projected loss and ageing of loans to ensure the NCL will remain under the Budgeted financials--preemptively making amendments in policy to combat the economic resilience --Launch of test sells to support the ENR growth --Scorecard stats review to adjust the cut-off accordingly --Manage the quality assurance activity to ensure policy compliance.--Presenting detail reviews to exCO members and seeking their guidance to proceed further with excellence.

Pakistan

In addition to portfolio management responsibilities of portfolio size over $50mn; am looking for the Model risk and Enterprise stress management of the bank. I am supporting CRO and CFO in this regard and soloict the perquisites with the designated roles.

Pakistan

Access the credit risk profile of unsecured lending and maintain alignment with Risk AppetiteSupport ICAAP stress testing exercise by review loss rates.Responsible for maintaince of Credit Strategy management and implementation of Group/regulatory policiesTimely report of material risk events, breach of triggers, material shift in portfolio shape and portfolio performance in reviewsManaging unsecured portfolio. Developing the Risk appetite Framework for taking measures so that portfolio operates with in the define threshold.Focus on Loss Adjusted Return for portfolio monitoring.Continuous deep dive of portfolio for managing on and off strategy portfolios using the concept of RDF.Applying different Stress factors to portfolio to assess the sustainability.Present the portfolio performance to Risk committee and board and keep them posted with opportunity and risk Liase with relevant stake holders for prompt action required for portfolio management specifically business, collection and data management team.Monitor and forecast the ECL impact based on IFRS9 standards for Secured and unsecured portfolio.Focus on Budgeted LI and all the threshold of Retail Portfolio.

•Budgeting & forecasting of productwise Loan impairment.•Prepare model for evaluating the impact of Loan Impairment on Banks Capital for 3+ years for stress scenarios for ICAAP activity.•Monitoring of customer's repayment behaviour to mitigate the risk on Portfolio's health by analysing various Segmental,Regional and demographic based analysis.•Support Operational Risk team to ensure focus on risk issues•Liase with stakeholders in presenting strategies and portfolio reviews•Analyse the Risk appetite parameters.•Liase with External & Internal auditors.•Leading towards Digitization through usage of different BI tools specifically Cognos 10 resulting•Managing team that efficiently perform activities like Cost management,Group /local/Regulatory reporting and Portfolio management.•Supporting Business team on their pricing based activities via robust models.

•PL & Revolving Credit •Manging data analytics for unsecured porfolio.Devloping vaious Portfolio managment MIS.Preparing Cohorts Analysis (Delinquencies and Utilization), citiwise, segmental & income analysis.•Portfolio performance review for all products. Develop systems for timely and accurate data retrieval and analysis.•Worked closely with other stakeholders to improve MIS quality•In addition to above duties , all become a part of Union Bank Acquisition by Standard Chartered and during this phase I am part of key activites like reconcilations of financials, data sets submission based on criteria' mentioned by managment, system conversions and adoption of one of best product policies

Bachelors, Computer Science 2002

High School, Computer Science

Activities and Societies: Quizes & Games (Football & cricket)