Responsibilities include compliance related to internal audit, shariah, legal, credit committee, Board of Directors and KYC; payment recoveries from clients; development of agreements with consultation of legal advisor; manage Securities of clients held by Modaraba as collateral; periodic verification of Employees critical data; coordinate between departmental teams and software vendors for timely development of required applications and reports. As Secretary of Audit and Management Committees, responsible for sending timely notices, taking minutes during meetings and ensuring compliances of decisions in the meeting.

 Client Service – to deal clients and guide them about their financing applications. Process ownership - managing the query management process, the sharia process, and the legal accounts process.  Evaluation of Financials provided by client. Arranging the terms and conditions for any financial agreements. Arranging all agreements including Murabaha & Musharakah agreements.  Updating customer records & ensuring that administrative records are up to date.  Visiting customers and travelling to business meetings.  Review the weekly summary of applications in process for a regular meeting with senior management. Attend Credit Committee Meeting and presents case for approval. Undertake all necessary client contact to generate financing.  Establish and maintain long-term relationships with new and existing clients. Takaful – to deal with Takaful Company to arrange Takaful. Excise & Taxation – to deal with agent to arrange Hire Purchase of Vehicle.

 I experienced, research and data collections skills, ability to undertake desk research of primary and secondary sources, ability to analyze written and numerical data. Use problem solving skills and apply sound judgment to complete in-depth studies and formulate conclusions & recommendations. Key policies and programs, contribute to draft policies, provide key inputs to a strategic vision for future programs.