Job Responsibilities• Collaborate with senior management to develop and implement risk mitigation strategies and frameworks.• Advise on strategic decisions, including lending, investments, new product launches, equity market participation, investment banking, and treasury activities.• Oversee the Risk Management Function, ensuring the maintenance of an overall risk-aware culture.• Identify and assess risks to the company, providing a comprehensive risk assessment to relevant committees.• Provide expertise in risk management techniques and models.• Design and oversee the execution of risk mitigation strategies and tools. Identify areas where risk exposure is increasing and propose mitigating actions.• Improve decision-making processes by reviewing lending and investment transactions and offering risk assessments.• Monitor and report on risks to regulators, the board of directors, and senior management.• Participate in decision-making committees such as the Credit Committee (CC), Asset and Liability Committee (ALCO), and Risk Management Committee (RMC).• Provide timely risk assessments to higher management and the Board of Directors.• Secretary to Board Risk Management Committee and Member of ALCO, Credit Committee and Chairman of Credit Committee and IT Steering Committee.

Job Responsibilities• Play an important role in the strategic direction and goals of the company. • Oversee the Risk Management Function and closely work with the higher management to maintain an overall risk-aware culture in the company• Timely risk assessment, through in-house resources or outside experts, and suggest mitigants to higher management & Board of Directors• Review and finalize risk management goals, strategies, policies and procedures.• Ensure compliance and implementation of SBP PRs, in-house policies, procedures, and circulars.• Manage collation and dissemination of reports amongst Management, Credit Committee and Board ofDirectors over portfolio performance, products, deal status, client repayment history, special assetsPerformance, ratings and exception status• Developed Entity Risk appetite and monitored the implementation of concentration limits atVarious levels i.e. sectorial, portfolio, group and per party/ per script level with regular reporting toSenior management and Board Risk Committee by highlighting utilization status, deviation incidentsand enhancement requirements• Play an important role in the preparation of annual budget targets keeping in mind the risk appetite of the company.• Managed cyclical reporting to the Financial Regulator on Asset Liability Management, Capital Adequacy, Stress Testing, Segment Concentrations, Institutional Risk Assessment Framework (IRAF), with focuson maintaining compliance with Basel conventions.• Secretary to Board Risk Management Committee and Member of Internal Controls Monitoring Committee (ICMC), ALCO, Credit Committee and IFRS – 9 Committee• Lead contact for all regulatory, external Auditors and ratings agency engagement.• Actively participate in making strategy for watch list and overdue accounts with CIBG and SAM department

Credit Risk• Developed different credit & Risk Management tools to safe guard the interest of the bank and minimize the risk.• Comprehensive Credit and risk Evaluation of all lease and loan disbursements (Corporate and Consumer)• Ensure proper Regulatory and Management compliance• Monitor and Check initial Credit Evaluation function performed by Credit Analysts• Actively participate in Credit Committee and Management Committee meetings• Prepare and review different credit reports and departmental budgets.• Support CFO in dealing and negotiation with other financial institutions to obtain long term credit lines and RF line for bank.Treasury Risk• Developed comprehensive liquidity risk management guideline and developed different tools to manage the liquidity position of the bank and minimize the risk.• Comprehensive risk Evaluation of all money market transactions with Financial Institutions• Review and evaluate investment proposals i.e. investments in TFC’s, mutual fund• Prepare and review different reports such as:o Weekly cash flow (liquidity) position of the banko Analyze maturity profile of deposits, borrowings and loans.o Review of treasury weighted average balance sheets and return.o Analyze period and cumulative assets and spread gapsSubsidiariesIGI Funds Limited (AMC)• Actively participate in the Investment committee meetings of different funds and perform risk assessment of Investment decisions made during the meeting such aso Investment in TDRs, COIs and CODs.o Investment in TFC’s, repo transaction and spread transactionso Investment in equity Market.IGI Finex Securities Limited (Brokerage House)• Developed different risk management guidelineso Hair cut policyo Margin requiremento Exposure limits• Comprehensive risk evaluation of all high net worth clients and DVP clients

 WORKED AS A UNIT HEAD (ASSISTANT MANAGER) OF CONSUMER CREDIT RISK AND POLICY UNIT OF CONSUMER BANKING DIVISION (CBD) Job Responsibilities o Policy and Product Development • Developed and review products plan and program guide for Consumer Financing.• Developed Policies and procedure for Consumer Loan• Managing Market Research Team and arrangements with external agencies • Assist Departmental head (GM – Consumer Banking Division) in preparing departmental budgets and business targets.o Credit & Risk Management • Developed different credit & Risk Management tools to safe guard the interest of the bank and minimize the risk.• Ensure proper Regulatory and Management compliance• Review and Check comprehensive Credit Evaluation function performed by teams of Credit Analysts.• Review and evaluate different departmental reports and industrial analysis.

 WORKED AS A HEAD OF INTERNAL AUDIT (RESPONSIBILITY INCLUDES CREDIT RISK EVALUATION OF ALL LEASE AND LOAN DISBURSEMENT)Job Responsibilities o Credit Analyst• Credit and risk Evaluation of all lease disbursements (Corporate and Consumer)• Ensure proper Management and regulator compliance• Checking of legal and other related documentso Internal Audit• Pre-audit of all the payments made by the company and perform periodic departmental audit• Checking of application and existence of the internal control system designed by the management.• Suggest improvement in existing controls system to minimize the risk.

 WORKED AS A SUPERVISING SENIOR Job Responsibilities • Active involvement at the planning stage of audit engagements,• Review of the work carried out by the audit staff,• Managing the audit and Preparation of Management Letter and Internal Control MemorandumSome of the Sectors audited by me during the training period are as follows:• Commercial and Investment Banks.• Development Financial Institutions • Leasing and Modaraba Companies• Power Project Financing