M. Rizwan Ikram , FCCA

Experience

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  MCB Bank Limited

  Sept 1998 - Aug 2005

  1. Faculty member at MCB Bank Limited Staff College, Lahore. Responsible for designing courses on Banking Operations, Credit and MIS & imparting training to the staff (existing & fresh recruitments). 2. Conducted customized courses on Branch Operations, MIS, Accounting and Finance at various regions of the Bank3. Teamed-up with the project team implementing the switching of existing banking software system from Unix platform to Oracle based SYMBOLS platform. 4. Team leader, for imparting training in 4 modules of SYMBOLS (Branch Teller, Retail Banking, General Ledger and Customer Lending) in collaboration with 5 team members Show less 1. Portfolio included deposits of Rs.500 M, Credits of Rs.25 M & Foreign Currency Rs.50 M and a client base of 11,000. Managed a team of 12 members.2. Managed a team of 12 staff members.3. Supervised migration of branch’s MIS operations from stand alone PC environment to multi-user network environment4. Nominated and coordinated Annual Budget preparation and compilation for a group of 6 branches for 2 years. Responsibilities include forecasting and translating the forecasts of branches’ requirement for Capex, HR, business i.e. Credits, Deposits, Remittances and P&L into budget and submission to Head Office. Show less 1. Responsibilities include: Credit - Client identification, appraisals, processing loan cases, credit documentation, charge creation, monitoring of loans and securities, internal & external reporting including CIB/data check Foreign Currency – Maintenance of Foreign Currency deposits in major currencies, periodic revaluations, reporting, profit provisioning & final payments, currency conversions & regulatory reporting to Government agencies & Central bank, 2. Doubled the branch’s Credit & Foreign Currency portfolio during stay at the branch Show less

  • Faculty Member

    Jul 2004 - Aug 2005

  • Manager Operations

    Oct 2003 - Jun 2004

  • Operations Manager

    Jan 2002 - Sept 2003

  • Credits & Foreign Currency Manager

    Jun 1999 - Dec 2001

  • Probationary Officer

    Sept 1998 - May 1999
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  Khushhali Bank Ltd

  Sept 2005 - Mar 2006

  Manager Banking Operations

  1. Planned and laid out the blueprint of Full Service Banking operations. 2. Conducted country wide Internal Audit and Compliance training for 110 service outlets

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  Khushhali Bank Limited

  Apr 2006 - Apr 2010

  Manager Credit Administration & Processing

  1. Managing Central Credit Processing operations (114 branches network), Credit Admin Team & Credit MIS of the bank through a team of 150-160 members with annual loans processing approximating 450,000. 2. System development/enhancement along with its testing and implementation in relation to changes in product design/launch, MIS Reporting and regulatory requirements3. Management of Central Credit Archives and transition to Digital Archiving and Retrieval System. 4. Development and implementation of SoPs for Credit Processing and Credit Administration across network. 5. Sales & Distribution network support by ensuring timely processing and business intelligence reporting for planning, decision making and product development. 6. Managing Cash Management Services (CMS) with 2 commercial Banks. 7. Regulatory & Financial reporting along with portfolio analyses at appropriate cut-offs. 8. Internal/External/Statutory Auditors coordination & information provisioning. 9. Team Member in development of Full Service Banking Operational procedures and procurement of Integrated Banking Application. Show less

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  Khushhali Bank Ltd

  Apr 2010 - Dec 2011

  Managing retail department budgeting and resource planning. The job entails overall retail business and resources planning in line with organizational strategic direction, aimed towards profitable operations. Major responsibilities include:• Preparation of annual retail budgets and business plans based upon organizational strategic direction, business trends, market intelligence & planning for profitable operations. • Analyze and interpret Branch(s) data, prepare economic and strategic assessments, identify business issues requiring management attention and provide information for executive deliberations. • Planning and establishing performance measures and conducting variance analysis to refine the planning and budgeting process • Planning resource requirements for business units based on the budgets and coordinating with relevant departments for resource availability Show less Working & facilitating Credit, Market and Operations Risk teams in their functioning and routine jobs. Managing specific activities of Risk Management department as special projects including:Analyses, development and design of micro credit products for individuals with detailed risk assessment Facilitate review and re-engineering of the Credit MIS and credit reporting framework Operational risk assessment of bank branches and defining risk indicators for monitoring and control Monitoring other projects like DARS, Old record destruction, capacity building of Credit Admin & processing department etc Show less

  • Manager Resource Planning & Budgeting

    Feb 2011 - Dec 2011

  • Manager Special Projects – Risk Management Department

    Apr 2010 - Jan 2011
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  Waseela Microfinance Bank

  Jan 2012 - Nov 2012

  Head Risk Management & Compliance

  Joined the start-up bank as Head of Risk & Compliance. Established and launched Microfinance and Branchless Banking Services.

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  U Microfinance Bank Limited

  Apr 2016 - Jan 2018

  Joined the start-up bank as Head Credits & Risk Management. Established and launched Microfinance and Branchless Banking Services.

  • Head Credits & Risk Management

    Nov 2012 - Jan 2018

  • CFO

    Apr 2016 - Feb 2017
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  Mobilink Microfinance Bank Ltd

  Jan 2018 - Feb 2021

  Chief Risk Officer

  Working as Chief Risk & Information Security Officer

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  OXUS Afghanistan

  May 2019 - Jun 2019

  Risk Management Consultant

  Review the existing Risk Management Framework and Manual. suggest amendments as required to bring it in line with the best practices in Microfinance Industry and according to business environment in which Oxus Afghanistan is operating. Amended Manual covered comprehensive Risk Management Framework covering ISO 31000, COSO guidelines besides updated Policies, Procedures and MIS with training of Risk Management staff.

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  Telenor Microfinance Bank Limited

  Mar 2021 - now

  Chief Risk Officer