Asif Aftab Khan

Company Profile: MCB Bank is one of the leading banks of Pakistan with a deposit base of Rs. 368 Billion and total assets over Rs.500 Billion. The Bank has a customer base of approximately 4 million, a nationwide distribution network of over 1, 000 branches and over 450 ATMs in the country.
Job Description: Managing “Consumer Credit Review” which is responsible for processing and credit decisions on Credit Cards, Personal Loans and Merchant Acquiring applications. This involves following.

• Department budgeting, resource capacity planning, identifying capable work resource, staff trainings and professional skills development etc. Define staff goals and targets to achieve organization objectives.
• Risk analysis on credit requests and evaluate applications through policy guidelines.
• Process Improvement including quality services levels, risk control and cost effective course of action.
• Audit trail and compliance on Internal Audit and Central Bank’s guidelines.

Manage and control Pre-Screening Unit (south region) and responsible for processing of Credit Cards application. This involves the following.
Staff Training and Development: Ongoing training on updated credit policies and product plan. Develop staff’s personal and professional skills.
Define staff goals and targets to achieve department objective.
Risk Analysis: Risk analysis on credit cards applications and evaluate the applicant through all credit checks with in given time frame.

Responsible for supervision of the credit Initiation functions for Credit Cards.
Developed and Design CIU Front-end System and Processes: identifying the unfulfilled CIU requested requirements, provide assistance to Credit Policy, market review form credit point of view, segment definition and documents requirements, identifying the business risks and relating solutions to minimize the risk.
Recruitment and Staff Training: hiring of the competent staff and allocate goals according to their capabilities and business requirements
Department Set-up and Team Management: Managing the team of 35 CIU Officers and working as a back up Credit Initiation Manager.
Department Budget and Capacity Planning held the responsibility of the budget to cater CIU functions and deliver the goals efficiently.

Credit & risk analysis of Auto Loan Applications:
CIU-Auto Loans is one of the few most efficient departments in Union Bank who broke all the records of the industry to approve highest numbers of auto loans in the month of June-03 and became the market leader in Pakistan
Credit Risk Highlights: Highlighted some major risks and recommended to change in policies/process for Stage-1 and Stage-2.

During 5 years in Citibank, worked diligently in the following departments:
EAMU / Credit Initiation Unit (Consumer Credit)
Position: EAMU Supervisor
(January-00 to December-02)

Marketing & Sales (Consumer Products)
Position: Marketing Officer / Team Leader
(Jun-98 to December 99)