Reports directly to the SCO (Senior Credit Officer).In over 10 years, worked closely with risk, business and I.T teams and developed various risk monitoring MIS / tools. Totally re-vamped the internal classification process, its reporting and record maintenance and associated projections therewith. My responsibilities include:Finalizing Basel Risk related reporting to regulators including CAR, NSFR etc.o Finalising Country Classification / Provision Statement.o Preparation of Budgets.o Preparation of Five Year Provision Plan for Loan Losses.o Monitoring / Follow Up of Overdue Portfolio.o Monitoring / Follow Up of Term Finance Portfolio.o Continuous Liaison with various business departments and I.T to improve MIS for timely and better Risk monitoring.o Coordination with various departments in Reconciliation of various issues raised by B.U’s with Back End departments.o Supporting Basel Team in preparing / finalising CAR for the bank.o Providing regular support to CRO in preparing and finalising the presentations for the Risk Committee of the Board.o All Analytic Data Work / Special Projects assigned by SCO / CRO.

Reported directly to Head of Asset Operations.During my stay remained actively involved in re-engineering of workflow and software development for the bank. Had extensive interaction with I.T in guiding them the requisites to develop a tailor made software for Consumer Division relating to handling / management of Insurances and Premiums of Consumer Assets.My responsibilities included: o Assist Head of Asset Ops in supervision and control of operational activities of Consumer Banking.o Supervision / Management of activities carried out by Consumer Team relating to Collection of Insurance Premium Payments on monthly basis amounting to Rs 70 M.o Reconciliation / Management of Insurance Portfolio.o Management of Insurance related issues and settlements with Insurance Companies.

During my three years stay, ABN AMRO Bank acquired Prime Commercial Bank Limited in Pakistan which later got merged with The Royal Bank of Scotland (RBS). I was an active player during launch of Consumer Banking products namely; Auto Loans, House Loan and Ready Line. By Prime Commercial Bank Limited. After ABN AMRO acquired Prime Bank, I was part of the team assigned to develop an automated system for smooth management of Auto Loan portfolio at ABN AMRO Bank as well as migration of Consumer Portfolio from Auto Credit of Prime Bank to TCSS of ABN AMRO.My Job Description included:o Assist / Support Head of Operations in supervision and control of various operational activities.o Direct supervision of data entry by line staff, Credit File Management and issuance of P.O’s ensuring critical success factors for the issuance of Good P.O.o Manage Insurance issues relating to payments and settlements with Insurance Companies.o Engage in automation of processes and escalation of highlighted inefficiencies.o Working on numbers for budgeting and finalising five year business plans.o Ensuring fulfillment of all requisites as per product programs.o Preparing and Managing Monthly Performance Reports for each Product.o Coordination with Central Finance Division.

I reported directly to Vice President / Director Financial Control.My responsibilities included:o Preparing feasibilities for new products i.e. Car 4 U, Payara Ghar etc.o Assisting in preparation of Annual Budgets / Five Year Business Plans.o Reviewing Product Programs.o Preparing and Analysis of Monthly Income and Expense Reports for each product line.o Preparing and Managing Monthly Performance Reports for each product line.

RPLUS was a French Textile Buying House which was primarily dealing in Import / Export in UK and Other European countries. Their clients included Rohdi Plc in UK, Rica Levis in Italy etc. In Pakistan, they were sourcing garments for their clients from Leglar Nafees, Newage, Rajby Industries, Amtex (Pvt) Limited and Textilion (Pvt) Limited.I was reporting directly to the top management.My Job Description included:o Controlling Finance.o Coordination and keeping a Liaison between Head Office and Branch Offices.o Doing Cost Analysis on new projects.o Handling companies Cash Flows i.e., Receivables and Payables.o Dealing with Tax and Legal Advisors.

Publicis Pakistan (Pvt) Limited was an International Advertising Agency. Publicis Group had offices in 92 countries. In Pakistan their clients included Hewlett Packard, Nestle Pakistan, Service Shoes, SMEDA, Bunny Bread, Punjab Group of Colleges, Prime Commercial Bank Limited, Millat Tractors, etc.My primary responsibilities included:o Implementing finance controlling techniques.o Preparation of book of accounts.o Handling / Managing their Receivable and Payables.o Costing on various clients’ media and production plans.