Experience

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  Standard chartered bank

  Dec 2006 - Apr 2011

  Legal & mis officer – retail credit & collections

  ● Managed legal actions for pre and post charge-off portfolios, including personal and auto loans, to boost recovery rates.● Oversaw auto loan repossession and auction processes, ensuring accurate reconciliation of traffic fines and other related accounts.● Contributed to the litigation process for mortgage loans during the 2008-2011 recession, pioneering foreclosure processes with external partners.● Administered cost control measures, budget management, and third-party staff administration, enhancing departmental efficiency and compliance. Show less

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  First abu dhabi bank (fab)

  May 2011 - Nov 2016

  Senior legal & mis officer

  ● Played a key role in a high-performing legal team, managing over 900 criminal cases and 35 civil suits monthly across the UAE.● Analyzed pre and post charge-off portfolios to initiate litigation, and supervised external lawyers to ensure effective case management.● Reviewed and supported the preparation of legal documentation, and mitigated court judgments to safeguard the bank's reputation and financial position.● Achieved significant improvements in collection efficiency, recovering AED 1.5 million monthly through court settlements and enhanced post-charge-off collections. Show less

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  Bank al habib limited

  Jan 2017 - now

  ● Directed the credit administration, collections, and disbursement functions for an auto loan portfolio valued over Rs. 3 billion, covering 11 areas, 120 branches, and 3000 vehicles across South Punjab Zone.● Ensured compliance with policies and guidelines by liaising with stakeholders to manage approvals, disbursements, and settlements. ● Managed telephonic and field verifications, conducted client visits for high-value customers, and oversaw due diligence for disbursement issuance and settlement advice.● Conducted periodic reconciliations of borrower documents and resolved audit observations to ensure accurate record maintenance.● Coordinated post-disbursement securitization, including insurance and registration processes, and actively engaged in market campaigns to drive lead generation and cross-selling. Show less ● Manage Auto finance of APNI Car product in Multan Zone (Bahawalpur, Dera Ghazi Khan, Multan, Rahim Yar Khan and Sahiwal) comprising of 80 plus branches. Monthly disbursing around 150 cases having an annual amount crossing Rs. 2.5 billion.● Supervise all facets of approval process including maintaining the soundness of approval documents.● Structure new loan requests, modifications and credit reviews.● Maintain overall credit quality and compliance with credit policies.● Oversee all areas of disbursements, insurance and registration of vehicles from excise.● Ensure integrity of securities and guarantees obtained from lenders and maintaining their archival.● Secure the portfolio by devising asset and risk management practices and policies. Show less

  • Assistant Manager - Credit Administration

    Jan 2021 - now

  • Credit Administration Officer

    Jan 2017 - Dec 2020