Atif Mukhtar

Experience

• 

  Telenor Microfinance Bank Limited

  Dec 2012 - Aug 2017

  Evaluate the adequacy, reliability and appropriateness of risk mitigating controlsRisk review of branches, service centers to identify operational gapsRe- assessment of collateral “Gold” retained at branches against secured lendingOff site review of branch operationsConduct follow-up to determine the adequacy and timeliness for the implementation of recommendations. Planning of risk review in accordance with the scope and complexity of the area under reviewConduct re-assessment of collateral secured against lendingCoordinating with the and customers for collateral re-evaluation activity.Act as an independently observer of business continuity drill / plan. Mitigate the operational & reputational risk efficiently and effectively spotting the high-risk areas.Branch operations review to ensure compliance to the bank’s policy and proceduresRe-assessment of collateral retained at branches to check & verify the genuineness of collateral.Compiling of review reports for stakeholders’ feedback and management review. Off-site review of Branch operationsPeriodic on-site review of Branches & financial Centers to identify the operational gapsAssist risk manager for periodic collateral revaluation.

  • Assistant Manager Operational Risk

    Feb 2017 - Aug 2017

  • Associate Manager Operational Risk

    Jul 2015 - Feb 2017

  • Senior Executive Operational Risk

    Jul 2014 - Jun 2015

  • Operational Risk Officer

    Dec 2012 - Jun 2014
• 

  Khushhali Microfinance Bank Limited

  Aug 2017 - Sept 2022

  Operational Risk Analyst

  Review of documents including but not limited to the policy, procedures and agreements.Rresponsible for the execution of activities associated with risk mitigation strategy.Oversight of branch operations with a focus on high risk geographical areasReview and assessment of branch operations /portfolio for high risk branches.Liaison with relevant departments to ensure completeness and submission of presentations to risk forums "RMC/ BRMC" on quarterly basis.Development and updations of KRIs to gauge the operational efficiency.Due diligence of service providers against outsourced functions.Materiality and risk assessment of functions pre/post outsourcing arrangements.To execute RCSA considering the enterprise initiatives and process improvements.Coordination with BCP desk and stream owners to fine tune the RTO/RPO as per criticality. Show less

• 

  Mobilink Microfinance Bank Ltd

  Sept 2022 - now

  Manager Operational Risk

   Governance:Ensure policies / SOP are in line with group policies and guidelines. Any exception has been taken with sufficient justification.Gear up the efforts in timely manner to revisit and update risk management policies and framework adhering to the regulatory requirement and best industry practices.Ensure country laws and regulations are adequately incorporated in SOPs.Review operating systems in line with risk appetite framework of MMBL.Identify and report governance issues to the relevant authorities.Point of contact and interface with internal and external stakeholders. Operational Risk:Proactively spotting and flagging the possible risk incidents.Regularly reviewing and providing feedback to develop robust policies, Sop’s.Process-based risk review to identify, escalate the emerging risks and issues.Conduct risk assessment of existing and potential products and services.Develop, revisit and monitor KRIs “early warning indicators” for various business lines.Developing, updating and executing RCSA / Risk registers for various business lines.Preparing & submitting the presentations/working papers for “ICSC / BRMC”  Branchless Banking / DFS:Risk review of agent based Branchless Banking activities in line with BB regulations.Monitoring the onboarding process for agents and merchants adhering to CAMP.Identifying gaps for existing and newly opened M-Wallets, and digitally opened accounts.Risk review of agreements with agents, franchises and merchants.Reviewing agents, merchant’s due diligence and onboarding criteria in line with the SOP’s.  Outsourcing Arrangements:Development and implementation of outsourcing policy and SOP’s in line with the SBP framework.Conducting risk & materiality assessment, due diligence of outsourced arrangements. Business Continuity Management:Business Impact Analysis “BIA” to identify critical business functions and RTO /RPO.Development and testing of bank wide BCM Plan as per BCMF and SBP guidelines. Show less