Manager, Credit / Policy/ Projects, Credit Risk Management
Standard Chartered Bank
مجموع سنوات الخبرة :28 years, 8 أشهر
Facilitated strong credit risk management for discretionary lending portfolio of over USD 200Mn, through Business and Financial Risks analysis, streamlining policies/ processes and through implementing effective monitoring controls
• Appraised/approved credit applications of corporate accounts analyzing their risk grades and their credit strength using LGD and PD models; this included proposals from Islamic Banking and Leasing
• Built strong partnership with business around quality asset booking for optimal risk-reward relationships in line with Bank Risk Appetite
• Conducted credit clinics and ongoing coaching for relationship managers on improving credit application quality for better credit decisioning, and on proactive account monitoring strategies for inculcating better credit culture which significantly brought down turnarounds times (TATs) and improved credit quality of the portfolio
• Streamlined processes and strengthened controls around application workflows, markup age monitoring, excess monitoring, Pre-settlement and settlement limit monitoring, deferral tracking and other controls
• Proactively monitored portfolio through timely remedial actions and through several initiatives for policy compliance, data integrity and portfolio management
• Developed policies and procedures to make Early Alert (EAR), ASTAR, excess monitoring and other controls more robust and effective, consequently bringing down EAR a/c by more than 50%.
• Regularly conducted Policy gap analysis; revised/ introduced policies/ procedures to address the same to ensure Group and Regulatory compliance
• Conducted Portfolio reviews, impact analysis and provisioning for classified accounts
• Ensured strong stakeholder management via effective communication and accurate MIS
• Actively facilitated Group and Regulatory Audits
• Revised underwriting standards and effectively managed several risk related projects
• SCB Guest Group Auditor for SCFirst Bank, Korea
Assisted Chief Risk Officer in developing and implementing Risk Management Framework and other governance structures, policies and management controls across the newly established SCB subsidiary as well as highlighting and addressing the impending risks across the subsidiary
• Developed Risk related policies for the subsidiary for regulatory compliance.
• Managed establishment and governance of Risk Management Framework and Bank Risk Appetite and ensured compliance with local regulations and SCB Group standards.
• Provided effective support to business from Risk perspective addressing day-day operational issues
• Facilitated issuance of the risk related delegations across the subsidiary.
• Integrated and streamlined the Collection Policies of ex UB and SCB to ensure their compliance with Group guidelines and Prudential Regulations
• Successfully managed SCB and American Express Bank Integration from Risk perspective
• Managed regular and adhoc reporting to stakeholders both locally as well as at Group level
Working with CIO, effectively managed the Integration Process of Union Bank acquisition by Standard Chartered Bank (biggest acquisition in Pakistan Banking Industry) facilitating smooth integration of 14+ business and support functions
• Developed the Master management plan establishing the project management structures following PMI methodologies and framework to facilitate the integration process
• Managed all project phases from initiation to closure managing customer and stakeholder expectations along with managing the triple constraints
• Managed change process and implementation of compliance with Group standards and local regulations
• Developed and facilitated the Issue and Risk Management Process for cross dependent issues across business streams addressing more than 90 issues for timely execution of deliverables
• Effectively monitored project progress and cost and presented to senior leadership at country and SCB Group level.
• Job dimensions include long term Master Planning for IT Division including strategic planning, policy & procedure development and implementation, budget planning and monitoring, asset and resource management, project feasibility development and setting up PMO
• As a Project Manager, developed strategic framework to initiate institution wide Business Continuity Planning process and led the core team in developing Business Continuity Plans
• Developed business support models and developed comprehensive feasibilities for IT initiatives matching the same with the growing market trends and needs
• Streamlined and re-engineered business workflows and processes through analysis and automation for quality improvement of internal processes and for efficient customers service
• As an international assignment, provided business consultancy to AKES (Aga Khan Education Services), Afghanistan in Kabul developing strategic plan for human capacity building in the IT sector under current reconstruction phase of the country
• Liaised with front line business areas and other clients to analyze their business needs and translated the same into solution
• As a Project Manager, successfully led projects for developing web-based applications and databases for providing online services, tracking quality indicators and for business intelligence
• Formulated and implemented Internet and Intranet strategies and revamped the AKU Intranet for effective information sharing, online services and organization development
• Provided decision support through effective MIR on business performance against plans, financial analysis on profitability, issue identification and recommendation and budget analysis
• As a Business Project Manager, planned out and implemented the project for developing infrastructure for consolidating financial/actuarial administration systems on a common platform (Data Warehousing) to ensure data integrity and consistency in reporting for product pricing and assumption verification;
• Prepared feasibilities of new initiatives identifying their impact on the earnings and P&L
• Analyzed profitability on Key Financial Indicators for Performance Measurement and Management and provided recommendations for better profitability and risk mitigation.
• Provided financial and risk analysis on Mortality study tables for product pricing and assumptions verification
• Introduced Balance Score Card and Operational Effectiveness Metrics concept to help Management become strategically more customer and business focused.
• As a Project Leader, successfully planned and developed Operation Effectiveness Metrics, liaising with business heads, based on the key business drivers for Performance Measurement & Management of functional areas and successfully led teams to automate the tracking of the same
• Introduced automation for Management Information Reporting for my business area for better and faster access to information for decision support; in addition, provided decision support to Senior Financial Management through effective Financial Reporting, Financial Analysis, Reconciliation Reporting and through recommendations on various management issues
• Assisted in preparing Balance Sheets, P&L Statements and reconciliations for various lines of business for the Financial Products ensuring their in sync with Canadian GAAP
• Assisted in capital budget planning for the department and prepared reconciliations for capital and operating expenses
• Provided consulting services on Business Process Re-Engineering and effective management reporting to sister departments, training personnel on technology where required
• As a Project Manager, led team of 12 on a process re-engineering project for effective workload management, providing strategic direction and guidance to identify issues and recommendations
• Developed Strategic Business and Implementation Plans for Human Capital Metrics for Manulife Financial for better Human Asset Management - developed automation strategy for Human Capital Metric tracking and reporting to reduce time and effort by 80%
(MBA Internship)
• After detailed analysis of culture, environment and modes of communications at ComDev, proposed strategic plan for improving internal communications ensuring alignment with corporate goals and managerial preferences.
• Executed technical auditing of the existing communication systems - this included testing and analyzing the effectiveness of various electronic communication systems
• Effectively managed a US $120 million EPC (Engineering, Procurement and Construction) Project of 117 MW Thermal Power Plant, working with all levels of management - project was co-sponsored by BC Hydro (Canada) and executed in consortium with SEMT Pielstick and ABB Kraftwerk
• Identified system and material requirements for various auxiliary systems of main Power Station; generated cost estimates; efficiently managed procurement process
• Developed and effectively managed LAN-based Project Management Information System for Senior Management Reporting
• Analyzed and designed various HVAC systems for domestic and industrial usage - identified shortcomings and consequently recommended modifications in the existing systems for operating cost efficiency, ensuring compliance with international safety standards
• Developed and implemented marketing plans for industrial and domestic sale of HVAC systems
Project Management Professional (PMP) Certification
- Graduate Scholarship for academic excellence (Wilfrid Laurier University, 1997) - Among the only 3 of the class of 85 to secure A+ in "International Strategy" course - Founding Member, Welcoming Committee for International students (Laurier Univ., 1998) - Fundraising for Ride for Heart and Stroke Foundation, Canada