Shah Kamal ACMA, CGMA

Experience

• 

  Citibank N.A.

  Apr 2007 - Aug 2007

  Intern
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  Citibank N.A.

  Nov 2007 - Jun 2012

  Senior Officer

  Training History:1. Improving The Control Environment (May 14-16, 2012) at Lakeshore Hotel, Gulshan-2, Dhaka2. Retail Banking (Nov. 23, 2010 - Dec. 03, 2010) at Millenia Tower, Citibank Singapore3. Funding and Gapping/Money Market Operation (Sept. 13, 2008) at Learning Center, Citibank Dhaka4. Core Banking (June 28-July 2, 2008) at Learning Center, Citibank Dhaka5. Export Policy (June 7, 2008) at Learning Center, Citibank Dhaka6. Banking Fundamentals (April 26-28, 2008) at Learning Center, Citibank Dhaka7. Overview of Treasury Operations (March 22, 2008) at Learning Center, Citibank Dhaka8. Negotiable Instrument (NI) Act 1881 (March 15, 2008) at Learning Center, Citibank Dhaka9. Foreign Exchange Regulations Act (FERA): Investment, 18A/18B (March 1, 2008) at Learning Center, Citibank Dhaka10. Anti-Money Laundering (December 1, 2007) at Learning Center, Citibank Dhaka Show less

• 

  Bank Alfalah Limited

  Nov 2013 - May 2014

  Assistant Manager

  Training History:Improving The Control Environment (May 14-16, 2012) at Lakeshore Hotel, Gulshan-2, Dhaka

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  Bank Alfalah Limited

  Nov 2014 - Nov 2015

  Assistant Relationship Manager

  Training History:1. Credit Risk Grading for Lending Decision (Jan. 27-29, 2015) at BIBM, Dhaka2. Advance Credit Risk Management in Banks and Financial Institutions (Aug. 08-09, 2014) at Financial Excellence Limited, Dhaka

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  IFIC BANK PLC

  Dec 2015 - Apr 2017

  Manager Basel Unit

  Training History: 1. Workshop on ‘Pillar II & ICAAP Policy’ (July 23, 2016) at BIAM Auditorium, Dhaka

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  Standard Chartered Bank

  May 2017 - Aug 2024

  Major responsibilities:==============1. Run the month-end and year-end financial closure procedures for Retail Business of Bank to enable preparation of financial statements as per Group and local accounting standards and these include, inter alia, preparation and posting of adjustment entries in relation to fee income measurement and recognition, loan impairment, yield-enhancing fees, etc.2. Facilitate financial reconciliation and balance substantiation of designated balance sheet accounts. 3. Ensure adherence to Group accounting policies and local statutory requirements with particular attention to accounting for interest and fee income, reward programme for credit card customers and loan impairments of retail business products.4. Perform SPPI tests, IFRS changes adoption, facilitate system development required for accounting policy changes. 5. Prepare retail banking financial reporting pack and quantitative and qualitative analysis of financial information, variance and trend analysis, commentary drafting, etc. for senior management. 6. Financial modeling relating to preparation and revision of budget and subsequent forecast pack in light of Group Standard approved assumptions and drivers for Management decision making.7. Work with Business/ Product Partners to obtain high-level assumptions on sales volume, capacity increase, product pricing, etc. to use as inputs for budgeting and forecasting exercises.8. Perform financial simulations and impact analysis for emerging changes in regulations, sales volume, pricing, and fund transfer pricing, etc. 9. Assess the financial viability of new sales effort etc., perform financial cost-benefit analysis, break even, IRR, NPV calculation, etc. to help Business choose between alternative projects.10. Provide commentary and analysis on month-on-month performance and variance against the budget/ forecast for consideration of Business Head, CFO, and Management Team. Show less

  • Senior Manager, WRB Business Finance

    Apr 2020 - Aug 2024

  • Manager, CPBB Business Finance

    May 2017 - Mar 2020
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  UCC Students' Union

  Oct 2024 - now

  Postgraduate Student Representative

  - Represent both postgraduate taught and research students (7,000+) of UCC.- Serve on the SU Executive and key university committees, including the UCC Governing Authority.- Contribute to important discussions and decisions that impact the student community.