Experience

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  Orix leasing pakistan limited

  Feb 2001 - Jul 2004

  Credit analyst / mis officer

   Business Activity RelatedAs a MIS Analyst I was responsible for reviewing the performance of our group companies, operating in MENA (Middle East & North Africa) on periodic basis. And submitting the reports to the MD, Head of Marketing and the Financial Controller of the entity. The countries under consideration were Saudi Arabia, Egypt, Oman & UAE. The analysis would include detail financial performance analysis, overdue status, NPL analysis, asset profitability report & sector analysis of the company, against previous period, i.e month wise, quarter wise and yearly performance analysis.As a Credit Analyst my responsibilities encompasses review of day to day business proposals for Operating Lease Business. This would also include detail asset wise profitability reports made on monthly basis. This would help the management in reviewing which asset is more profitable & hence procurement & deployment was forecasted. Manual drafting was the most extensive assignment I was given by the management. During this assignment I was regularly rotated with all the department heads and streamlined their SOP’s with the system & best practices. This assignment took nearly eighteen months to complete as it was done beside the core job activity of mine as being the MIS / Credit analyst. Show less

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  Bank alfalah limited

  Jan 2005 - Jun 2007

  Relationship manager / credit analyst

  As a Relationship Manager / Credit Analyst my core responsibilities were to generate new business for the bank and maintaining and evaluating the existing portfolio, from any financial anomaly. This would also include detail evaluation of those sectors where the bank has created exposures, either on Short term basis or Long term. Preparing Credit Proposals in line with the bank's credit policies and procedures for existing and new clients, for existing and fresh limits.Identifying new business arenas and giving presentations with detail Industry & Sector Analysis, Business Risk Assessments and Financial Projections. This would also include new & up coming projects & SME clients as well.I was also responsible for Financial Reporting of my relative area to the Head office and Lease Finance Unit. The reporting would encompass detailed profitability reports pertaining to asset profitability & overall performance of the segment. Project Management – Lease Management System (LMS) Worked with the Bank Alfalah in-house system development team in creating and implementing Lease Management System (LMS). Firstly this system was implemented in the flagship branch of the bank & after a successful launch it was administered through out the country. Show less

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  Atlas bank limited

  Jul 2007 - Sept 2010

  Credit Risk Manager for the Corporate & Commercial banking department. I was responsible for the Southern Region of Pakistan, looking after a portfolio of nearly 3.5 Bn. And reporting to the Senior Credit Manager, who looked after the portfolio on country wise basis. The detail anatomy of my workings are below;• Reviewing & Analyzing credit proposals regarding Term Lending, WCM, Corporate Financing & Project Financing for the Corporate / Commercial banking division.Analysis pertaining to Financial & Credit risk is done, this would include detailed Balance Sheet analysis, P&L analysis and Cash flow analysis, and then proper, relevant queries are initiated here & forwarded to the respective RM’s & business units. This is done in lieu to see whether the business initiated is creating value to “our” business or it will simply end up in NPL. The case is not forwarded for approval until, it is thoroughly checked for any modality present at that particular moment. • Monitoring the existing portfolio and raising queries to minimize NPL’s for the segment.MIS is generated on daily basis to check for any anomaly that might infect the portfolio. Proper liaison is always maintained with the respective RM’s and business units to assure that bank is promptly safeguarded against any future losses or litigations. In assuring this activity proper MIS is always maintained & updated with any new outlook that may assist the Country Head or the Senior Credit Manager to properly lay out future business plans.• Supervise periodic status report preparation for presentation to the management as it relates to the timely identification of problem credits and recommended solutions along with assisting the formulation of the Bank’s credit policy. Show less Worked as a Senior Business Analyst and responsible for the implementation of Temenos T24, Risk & Advances modules of T24 (R-7). Key role is System Analysis, Development, User Acceptance Testing, End User Trainings, Mock Banking, Live implementation and Help desk support of T24 Products (Customer, Limits, Collateral, Loans & Deposits (LD), Mortgage (MG), Funds Transfer (FT), Corporate Credit Setup, and support to finance for mapping GL for proper disclosure in the MIS). Other responsibilities would include; • Provided basic training of T24 modules to client.• Coordinated and helped the Bank users to fill and finalize the Business review forms as per the standard Temenos format.• Conducted the Business review on all the requirements defined in the Business review documents and identified the gaps.• On the basis of the Business review compiled the Functional Specification Documents (FSD).• Conducted / Coordinated the Unit testing of different Credit / Advances related modules.• Comprehensively reviewing the DMT (Data Migration Table) prior to data migration stage.• Guide to the Bank to finalize the migration strategy for migration from their legacy system to T24. Show less

  • Corporate Risk Manager - South

    Jul 2007 - Sept 2010

  • Head Corporate Systems Delivery - Temenos Project

    Jul 2007 - Sept 2010
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  Samba financial group

  Jan 2012 - Oct 2017

  Project manager / senior business consultant - cbg - temenos
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  Ndctech

  Dec 2017 - Aug 2022

  • Product Manager

    Jan 2021 - Aug 2022

  • Project Manager

    Dec 2017 - Aug 2022
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  Veripark

  Aug 2022 - Nov 2022

  Catalyst manager / senior functional consultant
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  Systems limited

  Dec 2022 - now

  Vice president - head corporate vertical bfsi

  Besides being involved into project governance as corporate lead, my responsibilities are also towards into new product development. Recently, lead the team which developed Corporate Loan Origination System (CLOS), which is now being marketed by Temenos in 2023.