Experience

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  Askari bank

  Nov 1993 - Sept 2003

  1) Worked as Credit Analyst and Policy Maker (Assistant Vice President) in President’s Office at Head Office of Askari Commercial Bank Limited, Rawalpindi (Pakistan) - www.askaribank.com.pk2) Major achievements during this period were:a) Awarding of separate audit ratings for measuring Branches performance for the areas of Credit Administration, Credit Quality and Operations.b) Revisiting of Audit Policy of the Bank whereby defining the nature of irregularities as “Grave”, “Serious” and “Routine”.c) Revisiting of Credit Policy of the Bank for Assets Remedial Management [ARM] and establishment of Credit Administration Department [CAD] at grass root level.d) Remained as an active member for Assets-Liabilities Management Committee [ALCO] and prepared annual budget of the Bank for years 2000-02 under the supervision of the President.e) Planning & establishment of Retail Banking Division and its products for consumer loans.f) Analysis of Bank’s schedule of service charges in terms of profitability on scientific manner.g) Planned banking business for E-Commerce and proper utilization of internet/intranet facility within the Bank.h) Monitored performance of loans on overall basis. Show less 1) Worked as Head of Special Assets Management Department in Central Credit Division at Head Office of Askari Commercial Bank Limited, Rawalpindi (Pakistan) - www.askaribank.com.pk2) Major achievements during this period were:a) Establishment of Assets Remedial Management [ARM] department within Central Credit Division of the Bank.b) Handled Non-Performing Loans [NPL] of Rs: 2.5 billion [US $ 42.538 million] through Court and outside Court.c) Rationalization of discretionary powers for credit approval at different management tier levels. Show less 1) Joined Askari Bank through prestigious Management Trainee Scheme. I was a profound member of first batch Management Trainee Officers (MTOs); who was trained through full time academic course at Institute of Bankers in Karachi (Pakistan) and thereafter on the job training for 6 months was given by way of working at various offices of the Bank. 2) Worked as Manager in Credit Department at Branch Office of Askari Commercial Bank Limited, Paris Road, Sialkot (Pakistan) - www.askaribank.com.pk3) Major achievements during this period were:a) Establishment of Credit Department & Trade Finance Department within the Branch. The Branch was newly opened and we started banking there from grass root level.b) Booked fresh credit portfolio of Rs: 750 million [US $ 12.76 million] with NPL ratio of less than 1%. Show less

  • Assistant Vice President

    Apr 2002 - Sept 2003

  • Assistant Vice President

    Apr 1999 - Mar 2002

  • Head of Special Assets Management

    Aug 1996 - Apr 1999

  • Manager Credit Department

    Nov 1993 - Aug 1996
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  Bank alfalah limited

  Oct 2003 - Jun 2012

  Head - credit administration

  1) Worked as Head - Credit Administration Pakistan.This position was of senior management level (Senior Vice President).2) Established Credit Administration Center in Bank Alfalah at grass root level in year 2003.3) Areas of the responsibility included the following:a) Management of credit portfolio of Pak Rs: 126 billion [US $ 1.5 billion] booked in 82 Branches of Bank Alfalah Limited in the province of Punjab [Pakistan].b) The management of consumer credit portfolio of around 1100 customers (800 customers under conventional banking and 300 customers under Islamic banking) mortgage loan products. Show less

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  Asghar ali & associates

  Jun 2012 - Jan 2013

  Senior counsel

  Worked as a Senior Counsel at M/s. Asghar Ali & Associates [Advocates & Legal Consultants] at 6 Turner Road, near Lahore High Court, Lahore, (Pakistan).Main areas of the responsibilities are: a) Advisory and counseling services: i) All forms of legal counseling, including provision of legal opinions, issuance of legal notices, carrying out of legal research and analysis, and preparation of legal reportsii) Independently prepared suits, petitions, written statements, applications, and legal notices, reply of legal notices in the field of civil, banking, corporate and family matters.iii) To provide assistance for mortgaging the property favoring client banks. b) Drafting and negotiating services: i) Drafting and negotiating contracts, trusteeship, partnership and joint venture agreements (both local and foreign), promoters agreements for the formation of companies, loan/financing agreements, and agreements relating to the sale and purchase of industrial undertakings, machinery, commodities, goods, services, transfer of technology and know-how, and property (such as rent, lease, mortgage, sale and conveyance); ii) Drafting and negotiating agreements and treaties; commercial, financing, and investment iii) Negotiating, drafting and vetting of legal documents and agreements, including inter alia export, franchise, commodity purchase, transport, property and consultation agreements. c) Litigation Services: i) To handle primary responsibility for pre-litigation opinions and preparation of cases.ii) Handled and assisted all types of cases regarding civil and banking litigation including credit cards, autos, mortgage finances and personal loans etc. Show less

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  Bank al habib limited

  Jan 2013 - now

  Working as Head of Legal Affairs Division in the Bank AL Habib Limited to protect the Bank from foreseeable legal risks.Key accountability and decision ownership:1) Responsible for providing management with effective legal advice on overall corporate matters and business issues, review and edit complex commercial agreements.2) Devising strategies to minimize litigation cases and monitoring matters already in litigation to secure Banks interest.3) Ensure that bank operates in full compliance with applicable laws and regulations.4) Analyze, recommend and implement Centralized Legal policy & procedures.5) Collaborate with management to devise efficient strategies to deal with critical banking industry issues.6) Ensure positive communication and good relationships with internal & external stakeholders (internal executives, regulators, external counsel etc.)7) Stay abreast with the legislative developments especially relevant to the banking industry.8) Render legal opinions on clean title of properties situated in different jurisdictions and originally owned and/or regulated by different government departments, authorities and other legal entities.9) Render Legal Opinions on perfection of charges & mortgages registered with SECP and / or Registrar of Properties in different jurisdictions. Show less Worked as Head of Litigation in the Bank AL Habib Limited. He was responsible to manage all litigation of the Bank. The areas of responsibilities included:1) Had a day to day responsibility for accurate, effective and timely legal advice, analysis and support for Bank on litigation matters.2) Identifies areas of risk for Bank in relation to litigation issues and assists in providing solutions to manage such risks.3) Drafts and negotiates all relevant legal documents relating to litigation matters and disputes on behalf of the Business.4) Works with internal stakeholders to develop effective structures for resolution of litigation.5) Works with relevant institutions and functions within and outside Bank to gather needed documents and evidence to support investigations on suit and legal disputes.6) Influences and assists in discussions between clients and other functions within Bank to ensure the best legal solution to meet litigation and dispute resolution objectives and to encourage best practice.7) Where appropriate, acts as the day to day interface between Bank and external counsels and provides information and instructions to external counsels on specific matters.8) Lead and advise in Bank’s Non-Performing Loan (NPL) collection agenda. Working closely with the relevant teams to prepare and advise on the best channels to ensure effective debt collection across the business.9) Manage the preparation of documents pertaining to filing of civil and criminal cases by the bank including drafting of plaints, applications, appeals, revisions, petitions etc.10) Manage the preparation of documents pertaining to defend cases filed against the bank including drafting of written statements, replies, comments etc.11) Preparation of cases for arguments and search of case law and to appear before different courts of law, tribunals and authorities and departments at Lahore and other Cities of Punjab. Show less

  • Head Of Legal Affairs

    Oct 2016 - now

  • Head of Litigation

    Jan 2013 - Sept 2016