Khizer Pasha Email & Phone Number

United Arab Emirates

Responsible for formulating, monitoring and implementing the Bank's policies relating to all aspects of risk (credit, market, operational, liquidity, fraud risk, and information security). CRO supports the Board Risk Committee and Executive Management through risk reports/dashboard on all categories of risks including any emerging risks.

United Arab Emirates

Lead credit risk approver for Corporates including GRE, Large Local Corporate, and Family Business, with portfolio size of c. USD 5BN. Additionally responsible for setting annual Country Risk Appetite and tracking compliance therewith, training Relationship Manager and Credit Analysts in credit processes and risk analysis, embedding the organization's Risk Management Framework, supporting the implementation of risk governance within Wholesale Bank, and using subject matter expertise to support the smaller countries within the Region.Segments covered: GRE, Large Local Corporate, middle market and emerging middle market client, regional and global network clients.Transactions covered: Lending, trade, derivatives, structured trade finance, leveraged finance, acquisition finance, project finance, ECA / export finance, and Islamic Finance.

Dubai, United Arab Emirates

Responsible for credit risk review and approval of Local Corporate clients in UAE and country level credit coverage of Oman. Local Corporates is a diverse and challenging segment comprising approx 400 varied client groups. I ran the quarterly portfolio review and regular client meetings to stay abreast of developments and signs of strain in the local market. This is a challenging segment as clients are mostly grown from SMEs and are establishing themselves in a competitive environment, and prone to financial or management failure. Acheieved exceptionally low loss rate despite strong revenue growth during the 4 years.

Singapore

Supported the WB Basel Strategy team in developing an organization-wide Basel II e-learning and certification programme which was subsequently rolled out globally as a mandatory learning module for all WB relationship managers, product partners, and credit approvers.

Pakistan

Country level oversight of credit risk in Wholesale Banking, exercising delegated credit authority to approve or support exposures for approval by Regional Credit Officer - MENA. Responsible for integrating Credit Risk and Governance for the recently merged businesses of Standard Chartered and Union Bank. Supervised Credit Managers in Karachi and Lahore regions, as well as Credit Risk Control team of 30 across the country.

Pakistan

Maintained key controls over constitututive and contractual docs, collaterals, vendor management, custody, and the release of limits to corporate counterparties across the country. Reviewed all WB product programmes and country addenda on behalf of Credit Risk Control, to ensure these are compliant with local regulations and supported by IT infrastructure. Post acquisition of Union Bank, devised capacity plans, wrote job descriptions and objectives of CRC staff, reviewed credit processes and key controls, and supervised the migration of exposures and loan documentation/collaterals from Union Bank to SCB. Inspected all CRC sites in Union and SCB to assess compliance with Group standards and adequacy of facilities.

Hired and supervised a team of Credit Anaysts supporting Corporate Banking business of the bank in Pakistan. My team produced high quality credit and industry analyses for the business to support loan proposals and portfolio decisions.

Managed key MNC and local corporate relationships.

Atlas Bot Lease Company Limited - Jv With The Atlas Group Of Companies, Pakistan

Developed revenue budgets, prepared weekly cash flow forecasts and long-term forecasts (5-10 yrs) for key term lenders - ADB, IFC, DEG, FMO and CDC. Supported the marketing teams in strucuring leases to meet client's cash flow requirements.Atlas BOT was a joint venture of the Atlas (Shirazi) Group in Pakistan and Bank of Tokyo-Mitsubishi (http://www.bk.mufg.jp/english/)

Pakistan Affiliate - Anjum Asim Shahid Rahman

Prepared feasibility studies for private sector bidders of state owned enterprises being privatized. Carried out a social sector audit of Family Planning clinics in Pakistan on behalf of the USAID to establish that informed consent was being taken by the clinics prior to performing vasectory, and that the aid given wa not incentivising the clinics into malpractices.Anjum Asim Shahid Rahman are affiliate of Grant Thornton