MD. TAUHIDUR RAHMAN

JAIZ BANK PLC., NIGERIA
• Chief Risk Officer and Head of Risk Management group from January 2013 till date

• Chief Risk Officer, Jaiz Bank Plc. (from August, 2012 till date)

• Provisionally worked to establish Shariah Department, Treasury and International Operation departments during Jan-Oct 2012 at commencement of the first ever full-fledged Islamic Bank.
Skill Sets and Responsibilities: ➢ Leading from the front and overseeing Credit, Market & Liquidity, Operational, Sharia'h non-compliance and Unique risk units.
➢ Implementation of the Basel II/III in letter and spirit in compliance with Shariah mandates.
➢ Modeling of Credit, Market, Liquidity, Operational and Unique risks associated with NIFIs-Non-Interest Financial Institutions (Islamic Banks)
➢ Developed particularly a robust credit risk management Policy & Strategy, Standard Operating procedure (SOP) and due diligence culture in the Bank.
➢ Imparting in-house Risk Trainings to all bank staff including senior management considering Islamic Finance as a new arena to them.
➢ Developed Risk Department SDI (System -Design -Installation) workflow frameworks.
➢ Modeling VaR for market risk positions/exposures and aggregate at the portfolio level
➢ Conduct and review of scenario analysis, stress-testing, back-testing on various market risk exposures and producing report for ALM covering the exposure level.
➢ Developed LCP - (Liquidity Contingency Plan) for ALCO-Asset Liability Committee.
➢ Monitor the liquidity risk and conduct future scenario analysis
➢ Developed CRG-Credit Risk Grading System for the Credit risk measurement techniques based on both quantitative and qualitative scoring model.
➢ Developed a full-bodied process flow and workout framework for Credit administration and credit risk management.
➢ Simulated the procedures in working with FMS-Facility Management System and IIS-Islamic Investment system in Bank's software.
➢ Developed Enterprise-wide Risk Management Manuals, Policies and Framework for the Bank as the pioneer Islamic Bank compatible with local culture.
➢ Leading from the front in the establishment of a comprehensive Risk Management and Control Framework, while working closely with business units.
➢ Developed a robust operational risk RCSA-Risk and control Self-Assessment and KRI and also reporting templates
➢ Developed a pro-active Risk Management Reporting and Communications Strategy.
➢ Developed and innovated some generic and unique Shariah financing Products.
➢ Developed Risk Management Strategies and evaluation system for all in-house liability and financing Products.
➢ Developed shariah compliance and governance framework and auditing platform
➢ Working on consultative basis with Central to create congenial work place for NIFI including development of prudential guidelines in specialized areas.
➢ Member of the Bank's Management Investment (credit) Committee (MIC)
➢ Member of the Bank's Asset Liability Committee (ALCO)
➢ Member of the Bank's Management Committee (MANCO)

• Chief Risk Officer (CRO) Ag., (April, 2012 -August, 2012)

• Risk Manager (October 2011 to April, 2012)

ISLAMI BANK BANGLADESH LIMITED (IBBL) Principal Officer (2003-2011)

➢ Joined as Probationary officer (a cadre rank to join management team) in Islami Bank Bangladesh Limited on August 26, 2003
➢ confirmed in service as Officer on August 2005,

➢ Worked as Shariah Compliance officer
➢ Key holder of the eIBS (software) investment portfolio management of two Branches
Supervisory Level (2009-2011)
➢ Group Head of Credit and Foreign Exchange (market) Risk managed 50% of bank's exposure
➢ Led credit and trade finance and analyzed measurement, and reporting and recommending of the exposure to the higher authority.
➢ Led Shariah Compliance Risk unit and produced periodic reporting and recommendations.
➢ Led Asset Liability (Balance sheet) manager of the Zone
➢ Led administrative unit for operations and supervision of Branches under the Zonal Office.

➢ Tilted Future Leader in IBBL in 2010
LINGUAL PROFICIENCY
Full professional efficiency (trilingual) in English, Arabic and Bengali as native. Know Japanese (primary) . Understand Urdu and Hindi.
PERSONAL FACTS
Permanent Address: Village: Armukhi;Post Office: Naldanga Rajbati; Police Station& District: Jhenaidah;Country: Bangladesh

Present Address in Home Country: 84/1 Kakrail (Ground Floor), Dhaka 1000, Bangladesh
Present Address in Nigeria: Flat-F-9, Abdu Barade Crescent, Barumark Estate, Wuye District, Abuja FCT, Nigeria

Birth facts: at Local District Jhenaidah, Bangladesh
Passport Number: AA 4992954

National ID Number: 2694814316340

Branch Exposure (2003-2008)
➢ Started with general operations as a novice during first 6 months
➢ Worked as Relationship officer (credit creation to documentation and recovery) for credit department.
➢ Worked as Credit Risk Analyst having exposure in Microcredit, Real Estate SME, Trade Finance, Wholesale merchant, retail and Industrial finance units
➢ Led Credit Department (That time it was referred as both relationship and risk together) as Relationship Manager
➢ Led foreign exchange department (International Trade -which time it was remained with Market Risk) with handling both Export and Import and corresponding.
➢ Worked as BASEL-II implementation manager considering credit, Foreign exchange (market) and operational risk of the Branch exposure

➢ promoted to Senior Officer in January 01, 2008
➢ promoted to principal officer in January 01, 2011