- Rolled out Client Management function in Pakistan supporting Corporate & Investment Banking by bringing together Client Management for Corporate clients and Integrated Middle Office functions as part of Global rollout. - Managing a team of 80 staff across 3 locations.- Supporting AME countries through a small centre of excellence.

- Established IMO function in Pakistan supporting Corporate, Commercial and Institutional Banking (CCIB) by bringing together Client Delivery, Enablement, Client Documentation Unit, Business Client Risk Management, Lending Documentation Unit, Channel Activation Team (Digital Solution) under one domain as part of Global rollout. - Managing a team of 80 staff country wide on 3 locations. - Delivered significant improvement in frontline and client experience in terms of TAT, productivity and process improvements.- Partnered with regulator in rolling out “Industry First” secured portal with real time access to statutory record to expedite account opening. - Part of the team that successfully developed and implemented Trade Based Money Laundering (TBML) Platform as part of regulatory compliance.- Delivered on key Regulatory (FCA, PRA & SBP) projects well within time.- Built a high-performance team by ensuring appropriate training with the aim to achieve optimum quality decisions which is reflective from delivery of key performance indicators despite resource challenge.- Responsible to employ, engage and retain high quality people with succession planning for critical roles and appropriate recognition and reward for high performance.- Volunteered and set up a team of professionals to support MENA countries from PK in their deliverables.- Supporting in the roll out of new Client Management Due Diligence Platform for the bank in Pakistan.- Part of IMO AME Academy roll out and Chancellor of IMO MENAP Learning Campus.- Part of the Global Mentoring Program, to work with talent pool and their progression.

- Managed Secured, Wealth Management and Business Banking portfolios of USD 75m (PKR 9.5bn).- Responsible to develop, maintain and monitor implementation of risk management policies in compliance with Group and Regulatory guidelines - Responsible to ensure portfolio risk and return decisions are transparent, prudently assessed, in accordance with Bank’s standards and its Risk Appetite. - Led the re-launch of Home Finance, Autos and Wealth Management business and built healthy portfolios for sustainable growth within risk appetite.- Launched Business Banking Business Working Capital (BWC), Finance Against Property (FAP) and Mortgages for Non-Resident Pakistanis by putting in place strategy and program to ensure sustainable portfolio growth within risk appetite. - Built an effective and sustainable data repository with the help of Management Information and Forecasting unit for Secured, Wealth Management and Business Banking portfolios thereby creating valuable insight for decision making and pro-active portfolio management in addition to data consolidation.- Part of successful roll out of Operational Risk Framework for the Country.- Identified and led RWA optimization with the help of Finance thereby reducing USD 20m in RWA charge.- Member and Regular Attendee of Retail Banking Risk and Country Risk Forums and Committees.- Entrusted with the role of Acting Country Credit Head during Line Manager’s mandatory annual leaves.- Foster talent development within Credit Risk Management to promote people development and growth.

- Headed Portfolio and Forecasting unit as an interim arrangement and managed a team of 9 staff.- Supported Credit Policy and Portfolio Risk team to carry out portfolio management activities.- Led the streamlining and implementation of improved Credit Bureau Reporting Process.- Completed Departmental Operating Instructions (DOI) centralization project.

- Managed Small and Medium Enterprise portfolio (Discretionary and Programmed Lending) of USD 384m (PKR 30bn). Clients having an annual turnover of upto USD 20m.- Responsible to develop, maintain and monitor implementation of risk management policies in compliance with Group and Regulatory guidelines. - Responsible to ensure portfolio risk and return decisions are transparent, prudently assessed, in accordance with Bank’s standards and its Risk Appetite. - Implemented and streamlined impairment policy based on IAS 39 standards as per SCB group guidelines.- Active involvement with business to formulate strategy for sustainable growth whilst remaining within bank’s risk appetite. - Carried underwriting and deviation authority for both Discretionary and Program lending.- Successfully implemented strategy to run down the off-strategy program lending portfolios.- Managed Early Alert and delinquent / problem accounts portfolio to ensure that portfolio quality is maintained. - Work closely with GSAM and Collections to formulate and implement Remedial Management strategies for portfolio improvement and exit.- Worked with Group Risk in implementing risk appetite and risk-return framework for SME Pakistan.- Supported and provided guidance to Standard Chartered Leasing Limited (SCLL), to align their risk policies and processes with that of Group SCB. - Built an effective and sustainable data repository with the help of Risk Analytics for Discretionary Lending Portfolio creating valuable insight for decision making.- Ensure adherence and awareness of Operational Risk framework of the group.

- Managed SME Small Business portfolio of USD 183m (PKR 11.5bn). - Worked successfully on run-down of Kissan Card, Elektro Finance, Cash Today, Business Instalment Loan (partially secured and unsecured) and Loan Against Property (LAP) portfolio being not in line with the Business / Group strategy. - Designed and implemented Country MI Packs for Small Business portfolio with the help of Risk Analytics.- Implemented impairment policy and process based on IAS 39 standards as per SCB group guidelines.- Successfully managed mortgage documentation project to minimize perfection challenges post acquisition of Union Bank. - Developed, maintained and monitored implementation of risk management policies when the portfolios were active and initiated re-engineering of policies to cater for the ever-changing market dynamics.- Closely monitored and managed delinquencies, losses on a regular basis to proactively identify and mitigate the risks associated with them. - Worked closely with Collections to prepare and implement strategy for effective portfolio management.- Executed Remedial Management activities to improve performance of run-down portfolios / expedite liquidation.- Monthly review of MIS to proactively identify risks in the portfolio for risk mitigation and to support credit decision process.

- Assisted the Credit Policy Manager in managing Home Loan (instalment product) and Business Finance (equity unlock overdraft product) portfolio of USD 105m (PKR 9bn).- Authored the renewal Credit Policy Manual for acquisition.- Responsible to maintain optimal risk level and setting up mortgages portfolio direction by evaluating performance, market, and competition for emerging trends and taking timely actions to mitigate risk. - Closely monitor delinquencies, losses on a regular basis and proactively identify and mitigate risks associated with them. - Ensure that Mortgage policies are compliant to the regulations of the Central Bank.- Set up controls to ensure that credit policies are strictly followed by all stakeholders.- Review and facilitate improvement in credit initiation process. - Streamlined appraisal / valuation management policy and process.

- Joined Credit Policy as Management Associate and was part of the core team that launched the First Chip Credit Card in Pakistan and South Asia.- Assisted Credit Policy Manager in managing the portfolio of USD 75.5m (PKR 6bn).- Authored and maintained Issuing and Acquiring Product Program outlining credit risk acceptance criteria for customer acquisition and merchant acquiring.- Supported business in building a portfolio of USD 58m (PKR 5bn) portfolio within 12 months of product launch and reaching the fastest 100,000 cards in Pakistan in a short span of 6 months. - Initiated and implemented guidelines for approval authority, delegations and hierarchy of approval.- Actively involved in system development for Credit Cards with London Bridge Group (LBG) part of Fair Isaac Corporation and Card Tech Limited (CTL), both UK-based system/software providers. - Designed and developed end-to-end Credit Card MIS to identify risks for proactive portfolio monitoring.- Conducted Credit and Risk training module for Cards product to cross functional teams.- Actively contributed to the cards product planning process, policy change decisions and preparation on product analytics. - Maintained optimal risk level and setting up cards portfolio direction by evaluating performance, operating environment and competition for emerging trends and taking timely actions to mitigate risk.

To conduct Customer Satisfaction SurveysTracking, monitoring, & consolidation of business measures for process performance improvementFacilitation of the Process Improvement (PI) teams Monthly reviews with senior management.