Tech Trip

Seasoned banking professional with over 20 years of experience in various roles within the financial services industry. Throughout my 20+ year career in the banking industry, I have held key leadership positions in several prestigious financial institutions. At SME Bank Limited, I excelled in business development and credit risk management, building strong relationships, promoting product awareness, and ensuring regulatory compliance.

My experience at Habib Bank Limited involved implementing risk management policies and managing repossession processes efficiently. At Citibank NA, Dubai, I led a team of credit analysts, ensuring adherence to UAE and US regulations.

At Union Bank

Limited, I played a pivotal role in launching the auto leasing and financing business. My earlier years at Citibank NA, Pakistan, were marked by diligent credit analysis and proactive fraud detection. I possess strong interpersonal skills, enabling me to build and maintain productive relationships with clients, colleagues, and regulatory bodies.

My managerial expertise includes coaching and developing teams, managing budgets, and streamlining operations to enhance efficiency and reduce costs. Additionally, my administrative skills have been demonstrated through implementing policies, overseeing compliance, and managing complex projects. My comprehensive understanding of risk management and dedication to achieving business objectives ensures that I consistently deliver results and drive success in consumer and retail banking.

Vice President – Business Development Executive - SME Bank Limited

(2011-01 - 2013-01)

• Developed and promoted relationships with other organizations, institutions, government bodies, and SME associations to meet business objectives.
• Coordinated with SMEs to increase awareness of the bank's product offerings.
• Identified improvement opportunities for banking products and business development.
• Achieved annual business targets.

Vice President – Credit Risk & Compliance Manager - SME Bank Limited

(2011-01 - 2013-01)

• Executed comprehensive due diligence for new credit product sponsorship, identifying key compliance and operational risks.
• Analyzed credit proposals according to risk acceptance criteria and ensured compliance with prudential regulations.
• Coordinated regulatory, audit, and compliance examinations, mitigating risks within assigned time frames.
• Assisted branch managers in mitigating risk factors for credit proposals.
• Followed up to reduce non-performing loans (NPLs) and conducted portfolio reviews for corrective actions based on industry and sector risk profiling.
• Reviewed and monitored compliance policies and procedures, investigated potential breaches of regulations, and developed training programs for staff.

Assistant Vice President – Branch Manager - SME Bank Limited

(2011-01 - 2013-01)

• Coached and developed a team of 13 employees, enhancing their sales techniques and interpersonal skills.
• Managed the branch budget effectively, reducing operational costs by 10% without impacting service quality.
• Created and maintained profitable community relationships, leading to a significant increase in the local business footprint.

Assistant Vice President – CIU head Secured Product (Risk Management Division) - Habib Bank Limited

(2006-07 - 2008-09)

• Developed and implemented risk management policies and procedures.
• Restructured existing processes and assembly line functions in consumer initiation.
• Approved auto financing applications within a turnaround time (TAT) of 30 minutes.
• Held deviation approval authority up to Level 3 for policy and process deviations.
• Approved credit limits up to 2.5 million.

Assistant Vice President - Auto Repossession Head (Risk Management Division) - Habib Bank Limited

(2006-07 - 2008-09)

• Managed the end-to-end repossession process with a team of 5 repossession agents.
• Ensured compliance with legal requirements and relevant regulations.
• Conducted vehicle auctions to complete the repossession process successfully.
• Kept up-to-date with all relevant laws and regulations.

Manager Credit initiation Auto loans - Citibank NA, Dubai - Dubai

(2005-03 - 2006-06)

• Managed a team of 5 credit analysts nationwide.
• Considered product plans, credit policies, risk factors, and compliance with UAE labor laws and Central Bank regulations.
• Ensured compliance with United States regulations, Citigroup corporate laws, and the bank's credit policy manual.
• Set up and monitored World Check Match, Public Figure Match, and legal documentation.

Head CIU Auto Loan - Union Bank Limited

(2002-01 - 2005-02)

• Implemented the auto leasing/financing business in Pakistan as part of a team.
• Managed a credit initiation unit (CIU) team of 16 members across centralized and decentralized locations.
• Ensured compliance with corporate laws, credit policies, risk factors, and State Bank of Pakistan policies.
• Adhered to the bank's credit policy manual and standard operating procedures.

Credit Analyst Autos - Citibank NA Pakistan - Pakistan

(1997-08 - 2002-01)

• Reviewed auto loan applications and conducted credit checks.
• Approved conditional purchase orders and maintained liaison with credit policy, risk management, external agencies, and the State Bank.
• Monitored deviations for commercial, used car, and 0% down payment loans.
• Prepared documentation for DCFC and self-testing.

Analyst – Fraud Early Warning System (FEWS) - Citibank NA Pakistan - Pakistan

(1997-08 - 2002-01)

• Proactively detected fraudulent transactions through the FEWS online system.
• Identified and apprehended culprits involved in credit card fraud, leading to arrests and justice.

Asset Risk Management - Citibank NA Pakistan - Pakistan

(1997-08 - 2002-01)

• Reviewed a percentage of loan applications before approval.
• Detected fraudulent applications and maintained a fraud database.