Experience

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  Abbott labs

  Jun 2011 - Aug 2011

  Intern
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  United bank limited

  Sept 2012 - Dec 2016

  • Actively participated in the development of SME Credit Policy based on the revised SME Prudential Regulations to streamline the credit process for SME clients and enhance portfolio quality by mitigating credit risk. • Conducted Annual Reviews of Product Program Manuals pertaining to Seasonal Financing and presented recommendations to approving authority. • Evaluated requests regarding Policy Waivers/Deviations and provided appropriate recommendations to the approving authority. • Analyzed Product Paper of Islamic Banking Product and highlighted gaps with reference to SBP Guidelines and bank's credit risk framework Show less

  • Assistant Manager - Credit Policy (Corporate Commercial & SME)

    Apr 2014 - Dec 2016

  • Management Trainee

    Sept 2012 - Mar 2014
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  Hbl - habib bank limited

  Dec 2016 - Apr 2019

  Credit risk analyst - commercial & retail

  • Reviewed credit proposals of existing/new clients of up to PKR 500 Mn pertaining to different industries including Construction, Pharmaceutical, Rice Husking, Flour Milling, Cotton Ginning, Food Products and Wholesale Trading etc. • Evaluated Retail proposals on Pan Pakistan basis thereby developing a sound understanding of business/industry dynamics across different regions.• Analyzed proposals and provided decision recommendations to the approving authorities on the basis of financing need/purpose, credit turnovers, credit history, financial statements, industry dynamics, and collateral coverage.• Structured credit limits (both funded & non-funded) in line with both customer needs and bank’s risk appetite.• Ensured strict compliance of Bank’s Credit Policy/Procedure Manual, SBP’s Prudential Regulations and associated addendum/circulars.• Ensured effective portfolio management by monitoring fortnightly PDO reports and raising timely reminders for settlements. Show less

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  Bank alfalah limited

  Apr 2019 - now

  • VP/Area Credit Risk Manager

    Jul 2023 - now

  • AVP-II/Manager Credit Risk - Corporate Investment Banking & International

    Mar 2022 - Jun 2023

  • AVP-I/Credit Risk Analyst - Corporate, Investment Banking & International

    Apr 2019 - Mar 2022