Experience

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  Hbl

  Mar 2012 - Mar 2014

  Acca trainee - business risk review (internal audit group)

  Habib Bank Limited (HBL) is the largest international bank in Pakistan having network of over 1500 branches countrywide & 55 overseas branches.Business Risk Review (BRR) is an independent unit reporting to the Internal Audit Group of HBL & is entrusted with the responsibility which include assessment of the overall quality of the Bank’s loan/investment portfolio, measuring degree of risk, compliance with the policies/procedures, relative collectability including regular and NPL falling under Corporate, Commercial, Consumer, Retail Banking or other Business Units of the Bank’s domestic & overseas branches/operations through a systematic & disciplined approach by evaluating the effectiveness of risk management, control & governance processes; highlighting the material risks that could adversely affect the achievement of the Bank's goals.On-field Responsibilities:- Credit analysis of risk assets portfolio & identification of problem loans & risk mitigation measures.- Analyze viability of borrower to continue as a going concern.- Reviewing facets of lending such as financials analysis, credit structure, security & borrower ability to repay.- Evaluating the risk rating assigned & assessment of credit history, foreseeable future loss, monitoring of delinquent loans; assigning appropriate risk rating/classification.- Review of lending portfolio in adherence to BRR Manual, Credit Policy Manual and Credit Administration Manual,.- Assess compliance of Regulations issued by SBP.- Preparing/reviewing BRR forms & summary sheets & assist in report preparation.IA Engagements:- BRR of Corporate Multan & Lahore.- BRR of Commercial S.I.T.E., Tariq Road & Sialkot.- BRR of Credit Hub Multan & Hyderabad.- Assets Remedial Management, Lahore.- Product Review of HBL ‘SBRF’ & ‘Easy Loan’.Special Assignments:- Checking non-compliance of HBL Staff Rules & debt burden through “eCIB”.- Follow up of highlighted observations through tracking.- Updating BRR Schedule. Show less

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  Bank alfalah limited

  May 2014 - Dec 2018

  Senior audit officer management audit - audit & inspection group

  - Evaluation of department budgets and their allocation to different sub-units.- Compliance status of SBP circular regarding Policy Framework for Bank.- Asses and identify weakness in internal controls and provide with recommendations to the management.- Review of department’s manuals and their bank-wide circulation.- Engaged in management audit of Credit Risk - Risk Management, Finance, Centralized Account Opening, Customer Experience, and System Policies & Procedures.- Adherence of process and procedures as stipulated in Prudential Regulation – Consumer Finance/SE & ME/Corporate by SBP in various on-site audit of Credit Lending Groups.- Engaged in on-site review of Consumer Finance - Auto and Customer Services and complaint management Unit thereon.- Engaged in comprehensive branch and area office audit. As a team member, core responsibility is to analyze Accounts & Finance, HR related issues and physical verification of securities and review of credit portfolio parked in branch.- Provide In-house training on 'Internal Audit Standards published by IIA' in the role of Assistant Trainer. Show less

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  Js bank

  Jan 2019 - Mar 2021

  Internal auditor, management audits - internal audit group
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  Albaraka islamic bank

  Mar 2021 - now

  • Unit Head - ICFR

    Jun 2024 - now

  • Senior Manager

    Feb 2024 - Jun 2024

  • Manager ICFR - Compliance Department

    Mar 2021 - Feb 2024