Credit Portfolio Management – (Vice President), Risk Management DepartmentReporting to Head - Enterprise Risk Management | Feb 2015 to dateConduct credit portfolio analysis and report to BOD (BRMC) and Credit Risk Management Committee (CRC)Additional responsibility as CRC Secretary which is being effectively managed by myself. Develop & prepare report for funded & non-funded limits, Analysis on NPL Movement, Trade business comparison & Trade business concentration, Group… Show more Credit Portfolio Management – (Vice President), Risk Management DepartmentReporting to Head - Enterprise Risk Management | Feb 2015 to dateConduct credit portfolio analysis and report to BOD (BRMC) and Credit Risk Management Committee (CRC)Additional responsibility as CRC Secretary which is being effectively managed by myself. Develop & prepare report for funded & non-funded limits, Analysis on NPL Movement, Trade business comparison & Trade business concentration, Group exposure, Industry analysis, Product-wise analysis, Collateral-wise analysis, ORR-wise analysis, Finance against shares, Exception Report, Leasing, Agriculture and Consumer PortfolioReview Report of NPL & Provision on quarterly basisPrepare Report for NPL & Provision projections for next quarters and presented in the NPL committeeDevelop and prepare PD report and circulated to the relevant authorities on daily basisReview Reports for PR-I Monitoring (Large exposure, Related Party & Real Estate Monitoring as per PR)Review Report for Early Alert / Watch-list Accounts.Prepare SBP Report for COVID -19 on weekly basisConduct independently review the overall portfolio based on economic trends, industry analysis, market survey reports and will align the ORR and FRR accordinglyFormulate strategies and credit risk management tools including setting up of industry and sectorial limits to meet SBP and Basel requirements Peers Bank Analysis in terms of Balance Sheet and ProfitPrepare Report for ALCO related to Expected Disbursement and Recovery for next three months on monthly basisGathers information from the Business to ensure availability of all the information needed for effective Portfolio monitoringTAT monitoring for Credit Risk ManagementFacilitate implementation of required software /solutions from credit risk perspectiveTo ensure all regulatory obligations relating to Credit risk area are properly complied. Show less

- Develop, implement and maintain credit policies and procedures.- Recommend Credit Risk Management strategy to Senior Management- Ensures all regulatory obligations relating to Credit risk area are properly complied.- Preparing Risk Review Note on credit proposals (Corporate Commercial and SME)- Developed and implemented Concentration Risk Framework- Conduct credit portfolio analysis and report to BOD (RMC) and Management Committee- Monitoring the Non-Performing Loans… Show more - Develop, implement and maintain credit policies and procedures.- Recommend Credit Risk Management strategy to Senior Management- Ensures all regulatory obligations relating to Credit risk area are properly complied.- Preparing Risk Review Note on credit proposals (Corporate Commercial and SME)- Developed and implemented Concentration Risk Framework- Conduct credit portfolio analysis and report to BOD (RMC) and Management Committee- Monitoring the Non-Performing Loans and Watch-list Accounts.- Conduct Stress Testing for Credit Risk as per the new guidelines of SBP- Facilitating implementation of required software /solutions from credit risk perspective Show less

- Training of all new and existing staff on relevant software system and departmental processes- Develop strong coordination and smooth process between Regional Centers, Branches and Consumer Division (Head office) for application processing- Update through MIS and reports management on daily, weekly, fortnightly and monthly basis on application approvals, rejection and cancellation status- Monitoring of Quality Plans and Initiatives

- Analyzing and evaluation credit worthiness of potential customers, using various financial calculations to establish limits- Conducting checks education financing applications to differentiate the applications for outright rejections OR for further processing- Coordinating with upcountry staff to monitor the flow of application for centralized processing- Analyzing and evaluation ECIB report

Job Description:•Analyzing and evaluation credit worthiness of potential card customers, using various financial calculations to establish limits.•Conducting checks on the credit card applications to differentiate the applications for outright rejections OR for further processing.•Segregating the credit card applications qualifying for the credit facility in compliance with the stipulated credit policies based on the approved credit program.•Establishing and recommending the… Show more Job Description:•Analyzing and evaluation credit worthiness of potential card customers, using various financial calculations to establish limits.•Conducting checks on the credit card applications to differentiate the applications for outright rejections OR for further processing.•Segregating the credit card applications qualifying for the credit facility in compliance with the stipulated credit policies based on the approved credit program.•Establishing and recommending the spending limits.•Conducting the cross verification of random samples of Credit Card applications to keep a check/ control on the verification being done.•Preparation of daily MIS to monitor the TAT.•Coordinating with upcountry staff to monitor the flow of application for centralized processing.Additional Responsibilities:Limit Enhancement•Also analyzing and evaluation credit limit enhancement of good usage card, using various financial calculations to enhance limits.•Coordinate with customer service department & Retention department.•As per received MIS of Limit Enhancement from all over the country then works on it.•Complete the requirements of Limit Enhancement and take decision on it.•Analyzing the upgrade cases silver to gold or gold to platinum and take decision on it.•Also take decision\analyze on the regular platinum cases.•Working in CIB report with the coordination of policy head.VIP Cards•Make the cards on emergency setup•Coordinate with operational head / Divisional head for the approvals.Major Achievements:• At the time of Launching Education Asaan (Revolving), Cash Assan (Installment) and Cash Asaan (Revolving) create a smart portfolio with huge volume and also with good team.• To design process flow of CIU and successfully implemented in the department.• Implemented the eCIB in the department and trained processor as well.• Launch and implemented the Collateral Module IN MISYS (Core Banking System) within the time-line. Show less

•Dealing with filing patent application•Correspondence with regarding filing of the patent application from clients•Providing assistance to our seniors•Persuing the matter at the Patent Office