Experience

• 

  Industrial development bank

  Jun 2001 - Jul 2011

  Intern
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  Zafar moti capital securities

  May 2012 - Jun 2012

  Intern

  RESEARCH WORKResearch Conducted for HBL to analyze the performance of HBLs Freedom AccountPakistan Economic Policy: Determine the causes of inflation in PakistanCorporate finance :Determine the corporate Structure of textile industry of PakistanPortfolio Management: Determinants of stock prices at KSE 100 indexMoney and capital Markets: Effect of Microfinance on Poverty in PakistanMethods of Business research: Customers perception towards Islamic Banking in Pakistan Internet Banking : Usage of Self service technologies in PakistanINTERNSHIP:Industrial Development Bank of Pakistan: Intern, June 1 to July 1, 2011 Show less

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  Habib bank limited

  Jul 2012 - Aug 2012

  Intern
• 

  Dubai islamic bank pakistan ltd

  Jan 2013 - May 2015

  Management trainee officer

  Financial Reporting Equity Valuation. Financial Statement Analysis Econometric Modeling. Stress Testing Analysis

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  Commercial bank international

  May 2015 - Dec 2018

  Credit analyst

  • Prudent Review of credit proposals by ensuring strict adherence to the credit policies and underwriting standards of the bank• Initial documentation correctness and policy parameters are correctly checked at the review stage. To address documentation discipline, policy discipline and common errors.• Productivity – To ensure that the daily targets are met and no carry forwards of applications.• Bank statement Analysis• DSR Calculation to check the customer financially stability.• Participate in formulating policies and procedures.• Monitor turnaround time in order to keep track of each case being processed• Providing recommendations to approve or decline a Credit application on the basis of its financial standing Show less

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  Hbl

  Aug 2019 - now

  Conduct regular analyses of the bank's credit portfolio, including loans disbursed under productive and consumption lending segments.Utilize statistical and data analysis techniques to identify trends, anomalies, and key risk factors.Extract, clean, and analyze credit data from various sources to assess portfolio performance.Develop and maintain databases and reporting tools for credit portfolio analysis.Monitor early warning indicators of credit deterioration and develop strategies to address emerging risks.Provide timely recommendations for mitigating credit losses.Evaluate concentration risk within the credit portfolio, considering exposure by industry, geography, and other relevant factor.Recommend diversification strategies to manage concentration risk effectively.Develop and conduct stress tests to assess the impact of adverse economic scenarios on the credit portfolio.Prepare and present credit portfolio reports e.g., Credit Bulletin, Loss Forecasting reports to be presented to CRO and relevant committees.Communicate analytical insights to guide credit risk strategies and decision-making.Ensure compliance with all regulatory requirements related to credit portfolio analysis including Non Performing Loans and Net Credit Loss reporting and evaluation.Stay updated on changes in regulatory guidelines.Review breach cases at business initiation, credit approval & post disbursal during monthly Quality Assurance exercise and report it to Head of Credit Risk & Policy. Show less

  • Assistant Policy Manager

    May 2024 - now

  • Assistant Manager Fraud Risk Management

    Aug 2019 - Jun 2024