Develop and execute on credit portfolio risk monitoring activities which includes analytics and process enhancementsAnalyze and measure credit and financial performance in the portfolio by various views (business lines, product, industry, geographic, etc.) to identify trends and drivers; draw/summarize conclusions and implications of analysis preparedCreate, enhance, and maintain reports on key risk metrics, concentrations, and stratifications of the Islamic Products portfolioWork with colleagues to understand data source and process to gather data and streamline reportingCollect, prepare, and provide clear and accurate information as requested by or for auditors and regulators, including addressing regulatory actions.Exceptionally high concern for quality and attention to detail with strong sense of ownership.Direct and/or drive day-to-day credit portfolio risk monitoring activities which include analytics and process enhancements

Key Result Areas •Functioning as Credit Risk Analytics and actively involved in developing & analyzing risk based MIS •Developed consulting analytics surrounding PD and LGD models, stress testing, and forecasting services using MS Access, VBA and Excel. •Developed branch-level forecasting models for retail banking, which were used to set sales goals across geographies.•Designed and developed an interactive modeling system to integrate scoring methodologies and increase efficiency of modeling efforts.•Initiating design and development of: oApplication Scorecard oRisk Based Pricing on RAROC Model oEmployer Performance Management oCollection and Recovery performance Tracker oSales Commission Module (SAP Crystal Reports) oRetail credit work flow application to track the daily applications and monitor the TAT oEnd-to-end operations MI module from submission to sales till the disbursement of loan•Performing early read reviews (first installment defaulter) and reviewing portfolio performance on monthly basis•Overseeing month to date bookings on deviation wise and preparing daily resolution MIS•Forecasting monthly trend of portfolio to calculate APR, weighted average, cumulative NPA and general provision to analyze the profitability•Responsible for calculating cost of credit and NCL on the portfolio Significant Accomplishments •Played a major role in developing the retail risk predictive model (basic model) along with MIS pack of retail risk bookings vs. portfolio which entailed: oRisk Based Pricing on RAROC ModeloApplication Scorecard oRisk MIS pack with graphical presentation oSegmental Analysis (income band, LOS band, nationality, employer, average multiple in PL vs. avg. loan on income)•Successfully developed: oCollection and Recovery Incentive MI oSales commission module as per the current banking policies & procedures oSales incentive module on crystal report which calculates commission on DSA monthly target and tracks team leader target and achievement

• Involved in developing management tools to measure and analyze financial & operational information (e.g. financial ratios, key performance indicators, sales forecasting platform, integrated budget model, product pricing and management reports• Streamlined knowledge transfer process for successor upon next promotion and developed measurement & forecasting toolsets that replaced traditional excel calculations• Acted as Corporate Analyst for data migration corporate portfolio migrate to CBS-core banking solutions• Handled migration on the portfolio less than 75M in CBS; verified the data by validating transactions & executing client statements• Created task & activity flows on LOS EBS (Enterprise Banking Suite) to validate the process flow on each task; worked towards integration of EBS (Enterprise Banking Suite) with CBS (Core Banking Solution) • Responsible for managing the data on backend in the tables of EBS (SQL SCRIPTS)• Accountable for evaluating all the services available in LOS (Loan Origination System) and validating the reports

• Generated lead generation report to be implemented for workforce; generated financial & recovery report• Conducted analysis of complete business cycle including revenue growth & profitability; prepared variance reports such as forecast vs. actual sales and others related to various departments within the organization• Performed Is-Was-Is analysis for portfolio performance and deviation cap MIS• Prepared timely reports on SAS (reporting tool) according to the requirements of the Management• Forecasted: o Collection & recovery monthly allocation vs. resolution daily, weekly and monthly collector wise and product wiseo Collection and recovery productivity on daily, weekly and monthly basis (PTP, Call, Contact no contact and Skip)o Sales commission calculation MIS and sales productivity MIS• Developed provision forecast module for upcoming years basis segment, region, city and country• Carried out: o statistical analysis on portfolio i.e. variance analysis segment wise, estimation and hypothesiso Retail MIS pack-segmental analysis, product wise analysis, expected provision and through the door volumeo Market research, industry analysis and strategy development • Responsible for database management w.r.t. Debt Manager, Phoenix, Discoverer 10G• Supported Controls Department in risk management of non-performing loans• Provided required reports to auditors and State Bank of Pakistan

Project: (Loans) (Web Based Application)Environment: ASP, MS AccessProject: Loan Registration SystemEnvironment: Oracle App. Server and Database (9i developer and 9i databaseRole: Developed Loans Management system to streamline its countrywide operations of UBL consumer portfolioProject: Auto Loan Registration System)Environment: Oracle App. Server and Database (9i developer and 9i database)Duration: 1 year 6 Months Role: Project Manager • Acted as team lead to analyze and prepare system scope & requirements• Prepared technical documents involved in various phases• Supervised high level and detailed designing of the system• Guided development, testing and deployment phaseSignificant Accomplishments • Pivotal in conducting electronic ledger reconciliations with source systems improve the profitability of $7.5M (UBL)• Instrumental in developing: o Provision module on retail products with in-depth market practice, service, and regulatory analyses (UBL)o Budget module on $40M with the segregation of fully loaded cost and multi-loaded cost respectively (UBL)o Automated collection and recovery productivity MIS-(PTP wise, contact no., contact, skip, agency wise) (CBI)• Accredited with Credit Analysis Review Recognition Award in 2007 (UBL)• Efficaciously developed a banking tool application in regional credit department for credit analysis & review helping in calculation of credit loans and for creating reports (CBI)• Developed RCD interim workflow application on MS Access for Retail Loans (CBI)• Actively involved in core banking solutions project entailing data migration of bank loans data to core banking system; led the loan module which was on EBS-enterprise banking suite and back end module on CBS-core banking solutions (UBL)