Project Manager
Bank Alfalah Limited
Total years of experience :8 years, 9 Months
of Policy, Coordination and Compliance Branchless Banking
Quarterly reviewed and modified/amended Home Finance Policy & Product programs in the light of Regulatory & Business Requirements.
•Assessed emerging Market trends and accordingly develop new products.
•Evaluated the Product performance against goals.
•Ensured the policy is in the line with Laws and Regulations of Central Bank and other Law Governing Agencies.
•Liaised with Inspection team of State Bank (SBP the Central Bank of Pakistan) in discharge of their duties.
•Quarterly reviewed House Finance Portfolio and report rectification/elimination there against the shortcomings of Regulatory instructions (if any).
•Actively Liaised with various banking departments of SBP regarding clarification and Improvements of Prudential Regulations and Circulars.
•Kept my department up to date about policies, laws & regulations, and solve their problems (if any) on daily basis.
•Assisted operations, MIS and Sales divisions of our department in their daily routine matters.
•Coordinated with Compliance Department in various findings of SBP inspection team. Provide concrete material for removal of penalty amount/ Penalty prospect findings.
Achievements
•Just after joining the bank, SBP launched its inspection for period starting from 2008 to 2009, in a short span of time, I shortlisted credit files keeping in view the SBP inspection criteria and refined/tuned up all the files in way that satisfies maximum possible regulatory requirements/ checks.
•I played a key role in formation and drafting of PRs for Mortgage Finance and actively liaised with SBP -IHFD on routine basis.
•SBP awarded me with “Shield” for conducting one day comprehensive training session on “Recovery and Foreclosure - Mortgages”
•Developed Home Finance Product Program for Bangladesh in the light of Prudential Regulations and various circulars issued by Bangladesh Bank.
Banking Inspection Department
State Bank of Pakistan
•Conducted full scope on-site inspection of five commercial banks, one foreign bank, three DFIs and one Islamic Bank.
•Work as team player and assist juniors in discharge of their duties.
•Ensure quality and timeliness while report writing on banks/DFIs.
•Review consumer banking policy of banks/DFIs.
•Inspect/Audit various products (House Finance, Auto, Credit cards, Personal Loans etc.) of consumer banking portfolio.
•Inspect/Audit various products (Running Finance, Term Finance, Imports, Export, Export Refinance, LTF-EOP now LTFF) corporate Advances Portfolio.
•Inspect/Audit General Banking Operations (KYC/AML issues, Suspicious Transactions, Reconciliation, Window dressing, Import/Export etc.).
•Conducted financial fraud investigations as a team player in two commercial banks.
•Conducted Inspection of treasury operations of three commercial banks and one DFI.
•Review various risks (Credit, Market, Liquidity and Operational) in the light of SBP findings.
•Review Contingency Funding Plan, Liquidity Management process and Cumulative outflow analysis of banks/DFIs.
•Review Liquidity and Capital Adequacy Ratios.
•Review Cash Reserve Requirement (CRR) & Statutory Liquidity Requirement (SLR) reporting.
Achievements
•Organizational Competence Award on presenting the ground for issuance of PSD Circular Letter No. 1/2007 regarding refund of charges on failed transactions.
•Departmental Commitment Award twice on producing exceptional performance
Main Branch Hyderabad
Khushhali Bank
•Communicated & delivered Product Introduction address to prospect borrowers
•Conducted the Cash flow Analysis of borrowers
•Mobilized and formed number of Groups.
•Distributed disbursement cheques to borrower
•Paid visits monthly to borrowers for social mobilization and collection of dues.
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Used to teach following subjects of BBA and MBA programs; •Economics •Marketing •Management •Accounting •Business Communication TRAININGS •Have participated in below mentioned training programs at State Bank as well as at other institutions, which had enhanced my skills. •Stress & Time Management •Values & shared behavior •Report Writing
Pak Economy Applied •Forex & Liability Management •Commercial Banking •Auditing •Monetary Management & Micro Finance •Payment System & Concessional Finance •Banking Supervision
Pak Economy Applied •Forex & Liability Management •Commercial Banking •Auditing •Monetary Management & Micro Finance •Payment System & Concessional Finance •Banking Supervision