Manager - Risk Department at Asaan Ghar Finance Ltd. (2024-06 – 2024-11)
Assessed credit proposals and managed risk department operations with focus on sector-specific risk identification and mitigation strategies.
- Assessed credit proposals, identifying and highlighting sector-specific risks to ensure informed decision-making and effective risk mitigation strategies.
- Provided clear and comprehensive justifications for credit decisions through both written reports and verbal presentations to key stakeholders.
- Prepared detailed credit analysis reports, due diligence notes, meeting minutes, and memos from risk committee meetings to support decision-making processes.
- Regularly reviewed client portfolios to ensure alignment with organizational credit policies and risk appetite, maintaining consistency in compliance and risk management practices.
- Responded promptly and thoroughly to audit and regulatory inquiries, ensuring compliance and timely delivery of necessary documentation.
- Offered strategic recommendations to senior management regarding the refinement and enhancement of risk and credit risk management policies.
Team Lead - Senior AML, CFT Analyst at Jubilee Life Insurance Company Limited (2019-01 – 2023-12)
Led AML/CFT compliance and analysis team, reviewing customer accounts for suspicious transactions and ensuring regulatory compliance.
- Reviewed and analyzed customer accounts to detect and report suspicious transactions related to money laundering and terrorist financing activities. Recommended appropriate actions based on internal policies, procedures, and regulatory requirements.
- Conducted comprehensive KYC/AML reviews for the customer portfolio using Lexis Nexis, Idenfo, and the in-house AML system to ensure compliance with legal standards.
- Identified risk factors and promptly escalated issues to the Risk Management Group for further evaluation and mitigation.
- Compiled and submitted Suspicious Transaction Reports (STRs) in accordance with regulatory guidelines and best practices.
OG-I (Credit Hub) at Bank Al-Habib Limited (2016-01 – 2019-12)
Analyzed industry business cycles and managed credit portfolio operations with focus on SME and Corporate credit proposals.
- Analyzed industry business cycles, trends, and norms to assess potential financial exposure and informed decision-making.
- Evaluated customer needs, payment capacity, and capability to assess risk before extending financial exposure.
- Monitored and ensured the timely renewal of credit and advance limits for customers, maintaining compliance with organizational standards.
- Reviewed and prepared SME/Corporate credit proposals (funded and non-funded) in alignment with SBP's credit prudential regulations.
- Coordinated with branch offices to manage and maintain the credit and advances portfolio, ensuring consistent portfolio quality and compliance.
Officer Range III at Bank AlFalah Limited (2005-01 – 2014-12)
Managed daily banking transactions, loan documentation, and portfolio operations with expertise in banking software systems.
- Managed daily transactions, including issuance of delivery orders, markup calculations/adjustments, and ensuring timely updates and maintenance of records.
- Reviewed and updated pledge portfolios and maturity profiles, ensuring accurate and up-to-date information.
- Conducted thorough reviews of loan documentation for all Pakistan property and staff mortgages held by the bank.
- Maintained and updated KIBOR and fixation sheets, generating fortnightly pledge monitoring reports.
- Demonstrated expertise in banking software (T.24 / Bank Smart), handling account openings in compliance with SBP regulations.
- Processed inward and outward clearing cheques, facilitated issuance and encashment of certificates, and managed outward bills of collection and foreign remittances.
