Banking and Micro finance Consultant and Trainer

My responsibilities include overseeing Operations , Service Delivery, Information Technology, Human Resources, Credit and Recovery Departments.Number of reports - 80 staff members.

International Resident Banking Advisor to New Kabul BankUnder Word Bank’s IDA Contract No: MOF/MASOB/AF/C5: This assignment has been awarded to me Ministry of Finance, Afghanistan, in coordination and approval of World Bank authorities. New Kabul Bank is the largest bank with 117 branches in the country.The Assignment covered:• Assessment of SWOT/ Current strategic Directions/ evaluationof current structure covering HR/ Technology/ Internal and External environment/ Customer base /Market conditions and prepare a Strategic Business Plan and Implementation plan covering introduction of new products/ new initiatives for the Bank in line with the Banking Goals of Government of Afghanistan for State Owned Banks.• Assess, Prepare and Implement Risk Management Framework for the Bank.• Review and prepare the Compliance policies and manual• Review and implement all other policies covering Credit / HR/ Treasury and ALCO/ Operations/ Corporate Governance/ Finance / Audit / Disaster Recovery Management / Customer Grievance / AML and CFT.• Prepare and implement Departmental strategies for HR/ Operations/ Marketing/ IT/ Compliance / General Services.• Preparation of SOPs (Standard Operating Procedures) for all key activities in Operations and Credit.• Preparation and Implementation of Bank Expansion strategy in terms of branches and ATMs and as well as other channels.• Support bank in improving its CAMEL rating.• Support bank in modernizing its operations and customer service.• Preparation of internal control plan for the bank• Establish KPIs for performance measurement of staff• Oversight and Coordination of amalgamation and consolidation of the State Owned Banks.• Support bank in selecting the appropriate technology platform for its upgrading of Core Banking Software.• Oversee merger of 3 state-owned banks.

Assessment of Strategic Directions/ evaluation of current structure covering HR/ Technology / Internal and External environment/ Customer base /Market conditions and prepare a Strategic Business Plan and Implementation plan covering introduction of new products/ new initiatives for the Bank in line with the Banking Goals of Government of Afghanistan for State Owned Banks.- Assess, Prepare and Implement Risk Management Framework for the Bank.- Review and prepare the Compliance policies and manual- Review and implement all other policies covering Credit / HR/ Treasury and ALCO/ Operations/ Corporate Governance/ Finance / Audit / Disaster Recovery Management / Customer Grievance / AML and CFT.- Prepare and implement Departmental strategies for HR/ Operations/ Marketing/ IT/ Compliance / General Services.- Preparation of SOPs (Standard Operating Procedures) for all key activities in Operations and Credit.- Preparation and Implementation of Bank Expansion strategy in terms of branches and ATMs and as well as other channels.- Support bank in improving its CAMEL rating.- Support bank in modernizing its operations and customer service.- Preparation of internal control plan for the bank- Establish KPIs for performance measurement of staff- Oversight and Coordination of amalgamation and consolidation of the State-Owned Banks.- Support bank in selecting the appropriate technology platform for its upgrading of Core Banking Software.

Assessment of Strategic Directions/ evaluation of current structure covering HR/ Technology / Internal and External environment/ Customer base /Market conditions and prepare a Strategic Business Plan and Implementation plan covering introduction of new products/ new initiatives for the Bank in line with the Banking Goals of Government of Afghanistan for State Owned Banks.- Assess, Prepare and Implement Risk Management Framework for the Bank.- Review and prepare the Compliance policies and manual- Review and implement all other policies covering Credit / HR/ Treasury and ALCO/ Operations/ Corporate Governance/ Finance / Audit / Disaster Recovery Management / Customer Grievance / AML and CFT.- Prepare and implement Departmental strategies for HR/ Operations/ Marketing/ IT/ Compliance / General Services.- Preparation of SOPs (Standard Operating Procedures) for all key activities in Operations and Credit.- Preparation and Implementation of Bank Expansion strategy in terms of branches and ATMs and as well as other channels.- Support bank in improving its CAMEL rating.- Support bank in modernizing its operations and customer service.- Preparation of internal control plan for the bank- Establish KPIs for performance measurement of staff- Oversight and Coordination of amalgamation and consolidation of the State-Owned Banks.- Support bank in selecting the appropriate technology platform for its upgrading of Core Banking Software

Responsibilities (For all the banking assignments)Operations- Developing and implementing processes to ensure smooth operations and Prevention of frauds.- Developing and updating of operations Manuals.- Product development / Improvement/ Innovation.- Overseeing Day to day operations.- Compliance of processes.- Breakeven and Profitability.Business Development and Marketing- Growth and Expansion both horizontal and vertical growth of the organization.- Developing, evaluating and monitoring of Business Plans / Budgets / Targets.- Performance Tracking.- Defining and Tracking Product KPI.Branch Expansion- Conducting Survey and identification of suitable location.- Expanded the branches in India /Tanzania / Mozambique / Rwanda / Solomon Islands.Credit Appraisal, Processes, Administration- Corporate Credit appraisals and Processes.- Microfinance appraisals and processes.- MSME financing appraisals.- Field visits to Clients place of business / Centre meetings.- Managed group loan product / Village banking products / MSME products.- Development and Introduction of new products like Micro Home Loan, Education loan product.Non-Performing and Delinquent Assets Management- Delinquent Loan Management.- Monitoring Legal Department.- PAR management.Financial Planning and Budgeting- Preparation of Annual Business Plans.- Close supervision and monitoring of implementation of plans.- Oversight of actual performance vis-à-vis plan.- Support Finance Department in concluding the monthly / quarterly/ half yearly and annual accounts and coordinate with statutory auditors.

Corporate Governance.- Strategy implementation.- C Level staff recruitment.- Review and Revision of Policy Frame work.- Corporate Credit Approvals.- ALCO Management.