Manager Liquidity Risk & ALM
Mcb Bank Limited
Total years of experience :14 years, 6 Months
•Preparation of Liquidity Risk Analytics for Asset Liability Committee (ALCO) and Board’s Risk Management & Portfolio
Review Committee (RMPRC).
• Review of Liquidity Risk and ALM policy and procedures in light of Basel III requirements. Preparation, analysis &
submission of Stress Testing, ICAAP and other regulatory reporting.
• Prepare and analyse daily market risk reports based on risk measurement tools including Value at Risk (VaR), duration,
sensitivity analysis, PVBP and perform limit monitoring on Forex, Money Market & Capital Market Portfolio.
• Adept in performing analysis on bulk of companies based on their latest financials to find stressed ones and developing
models to calculate expected credit loss in bank wide advances portfolio.
• Conducted market risk analysis and managed liquidity buffer levels to ensure compliance with Basel III/IV regulations and
maintain appropriate liquidity coverage ratio (LCR) and net stable funding ratio (NSFR) levels.
• Successfully navigated liquidity and interest rate risk challenges by implementing interest rate risk in the banking book (IRRBB) and liquidity risk management frameworks, resulting in strong capital ratios and regulatory approvals.
• Prepare and analyse daily market risk reports based on risk measurement tools including Value at Risk (VaR), duration,
sensitivity analysis, PVBP and perform limit monitoring on Forex, Money Market & Capital Market Portfolio.
• Leveraged advanced financial analysis skills to identify stressed companies based on their latest financials and developed sophisticated models to accurately calculate expected credit losses in the bank's advances portfolio, resulting in enhanced risk management and optimized credit decision-making.
Among biggest 5 banks in Pakistan with +1400 branches and international operations in Srilanka, Dubai and Bahrain as well. It has advances and investments of worth PKR 1.3 Trillion (1PKR= USD 0.0061). Moreover, its deposit stands at PKR 1.2 Trillion.
Key Accomplishments:
• Formulated and spearheaded strategies for bringing efficiency & strengthening internal controls of 15 groups including
which includes Corporate & International, Wholesale, Retail banking on a bank wide basis.
• Performed onsite RCSA validation activity for Sri Lankan operations & highlighted more than 10 high risk gaps.
• In time span of 1 year, revamped two policy documents of Risk & Internal Controls and got it approved from BOD.
• Built synergies between different departments both nationally and internationally. Evaluated risk inherent in their
processes and streamlined controls along with their residual risks.
• Steered efforts towards managing budgets & successfully planned activity with a positive variation of 0.5 Million.
• Researched numerous verticals to amplify resolution of long outstanding control gaps and closed 60% of exceptions.
• Served as a resource in all efforts to provide training to +100 bank’s staff belonging to different groups, both nationally
and internationally regarding risk management and internal controls.
• Utilized acute banking knowledge to introduce an innovative browser-based solution for maintaining track of processes,
risks involved in them and controls to counter those risks. Further this system provided end to end solution for whole
RCSA process and making it aligned with core banking system of the bank. (Under development).
Wholly owned by Suroor Investments Ltd, Summit Bank Ltd is one of the fastest growing commercial banks of Pakistan.
Key Accomplishments:
• Instrumental team leader, mentor, and strategist in charge of 7-member team encompassing supervisors & officers,
strategized and aligned resource and team work, oversaw routine activities and monitored quality of work.
• Adhere to CDD/AML/CFT guidelines and ensure that transactions performed are as customer’s profile.
• As Manager Operations of corporate branch handled asset relationship of corporate clients of more than 2 Billion.
• Evaluated and re-modelled liability portfolio that resulted in reduction of Cost of Funds from 5% to 3%.
• Spearheaded various improvement initiatives that significantly improved branch rating from "Moderate" to "Excellent".
• Managed significant challenges associated with the emerging business through identify new business opportunities
which increased branch deposit by PKR 150 (Million), also controlled expense efficiently and reduced it by 35%.
• Conceptualized and executed the automation of various day to day activities which reduced staff work load by 50%.
• Introduced tactical actions plans which improved service efficiency by 35%, pointing out customer’s touch-points.
Reporting to Branch Manager my duties were to increase business of the branch by introducing new to bank customers and building relationship with existing customers.
To inform customer regarding documentary requirement and interview them before establishing of relationship as per AML/KYC guidelines of the bank.
Providing remittance services to customers which include clearing, inter-bank funds transfer, Foreign Telegraphic Transfer, issuing of Drafts, Pay Orders.
Account opening, closing, maintenance of customer’s accounts and facilitating customer in day to day operational needs.
Achievements: Inducted 130 (M) deposit to branch by marketing walk-in clients in my stay with bank.
Performed weekly AML analysis on transactions performed by 4000 active account holders.
Activated 350 dormant accounts which increased deposit figure of branch by PKR 80 Million for year 2014.
Act as a Change Agent for true application of Bank’s
Policies in Branch level. Determining the root cause of a problem resulting in delay of processes and taking action in rectification of the same.
Have worked in Trade & Finance department of my Bank in parallel with my existing duties. I have managed to work in export and import departments and have good know how of establishing L/C and dealing with contract and collection issues.
The Canadian Securities Course (CSC®) is the foundational financial services credential required to perform transactions in securities, mutual funds and alternative funds in many financial services positions. This course helps learners fulfill the baseline securities licensing requirement for IIROC, provincial regulatory and MFDA licensing requirements for mutual funds sales, alternative mutual funds products, managed futures funds, exempt securities and labour-sponsored investment funds.
P R O J E C T S Analysis & Revival Strategy of financially troubled “Urban Sector Planning & Management Services Unit (Pvt) Ltd. Production Management of TCL Pakistan Ltd - Designed work flow that efficiently reduced production time by 50%. Innovation in Tetrapak Pakistan - Machine maintenance indications by efficient level monitor. Marketing Audit of Summit Bank Ltd - Quantified how company can achieve better growth. Employee performance management & appraisal system of Sui Northern Gas Pipelines Ltd.
I have cleared CFA Level 1 in 2018
I have done B.Com(Hons) 4 years from Hailey College of Commerce (University of the Punjab) a well known and leading institute of Pakistan. I have managed to have scholarship due to my continuous improvement which I have showed during my studies.