National Bank of Pakistan |Karachi Pakistan. 2010-Present
Wing Head –Operational Risk Management
- Develop strong relationships with business units across verticals & provide technical supports for managing Operational risks.
- Provide support to stakeholders in timely reporting of all known operational risks incidents with accuracy and completeness.
- Perform Root Cause Analysis (RCA) of incidents, support business units by sharing best practices & recommended actions with target dates & lesson learned.
- Monitoring of critical incidents and status of corrective actions plans for improved processes from inception to closing.
- Present Operational Risk Incidents (ORI) data and trends in ERM & ORM committee with recommendations to improve the performance and efficiency of business unit.
- Provide technical support to business units (1st line of defense) in embedding risk practices.
- Liaison up with business units & senior leadership to proactively identify and manage their operational risks and meet regulatory guidelines.
- Support Audit & Compliance in internal investigations of issues arises from frauds, disputes & policy violations.
- Review and challenge designs and controls of Bank-wide Processes and new business and products.
- Assist business units in materiality assessments, stress testing & KRI reporting and challenge its critical risks, mitigating controls & testing results, propose recommendations for improving controls.
- Develop, review and update ORM policies, manuals, procedures & strategy on annual basis and ensure compliance with regulatory requirements.
- Ensure Business Units have updated Business Continuity Management guidelines and functional DR site.
- Held risk awareness campaigns/ publications including cyber & technology risks, outsourcing risks to maintain a robust control environment.
National Bank of Pakistan | Karachi- Pakistan 2006-2009
Officer- Credit Administration
- Analyzing Corporate/ Commercial/ SME credit proposal for risk identification and suggesting mitigating.
- Identify inconsistencies, gaps, weaknesses and risks associated with the financing and seeking necessary clarifications.
- Review of Risk Ratings of the obligor, assigned by the business group and rechecking the computations as per risk measurement guidelines of the bank.
- Financial Analysis of the borrowing company based on the financial statements, relating to and reflecting on Industry/Sector updates, for identification of relevant risk which could help in credit decision making.
- Recommending Approval/Rejection of credit proposals as per Business Discretionary Powers.
- To assist credit team in rescheduling and restructuring of credit proposals of Commercial, SME and Consumer finance due to deteriorated repayment capacity.
- Keep abreast with the changes in regulatory and legal framework and relate them to Bank’s credit policy for any need to develop/amend to make it effective and efficient.
- Preparing credit comment sheet with a view to highlight risks associated with industry, customer and proposed financing facility which could affect the repayments.
- Ensuring stringent monitoring of lending portfolio (corporate, commercial and SME) and delinquents accounts and taking suitable remedial measures to secure repayments.
