Nausheen Baloch

Led a short-term project with Credible X to enhance credit risk reporting and portfolio monitoring processes. Worked closely with stakeholders to understand business requirements and the startup’s business model, translating them into structured reporting and risk monitoring solutions. This improved the company’s ability to monitor financial risk and support data-driven decision-making.
● Performed a comprehensive review of Credit, Product, and Collection policies, ensuring underwriting precision and portfolio monitoring aligned with business objectives and CBUAE standards for regulatory submissions.
● Designed and implemented risk dashboards and reporting templates, streamlining portfolio monitoring of KRIs, translating business needs into structured KPIs for management reporting resulting in reducing manual effort by 35%, and transforming raw data into actionable insights.
● Conducted in-depth analysis of portfolio-level delinquency trends to support timely identification of credit impairment signals as the portfolio scaled.
● Collaborated with cross-functional teams to integrate new templates into existing systems, ensuring smooth workflow transitions.

Collaborated with cross-functional teams to analyze credit risk, finance, and business data, delivering clear and
actionable reports for executives. Assisted management in decision-making by evaluating YTD Loan
Impairment (LI) and conducting ECL reviews. Monitored scorecard performance, reconciled credit portfolios,
and ensured data accuracy by assessing key risk indicators (KPIs). Contributed to process improvements by
aligning policies with the risk management framework.
• Prepared and validated IFRS 9 ECL datasets (PD, LGD, EAD) for the credit portfolio, ensuring strict
regulatory compliance and accurate provisioning.
• Performed month-end reconciliation between Risk systems and the General Ledger (GL) to resolve
P&L discrepancies and ensure reporting accuracy.
• Designed and implemented dashboards and MI packs to monitor portfolio KPIs, delinquencies, and
provisions, turning data into actionable insights.
• Conducted portfolio-level stress testing and forecasting to support risk monitoring, management
decision-making and the banks capital adequacy planning required submissions.
• Supported the implementation of credit scorecards and risk rating models, ensuring alignment with
risk parameters and business objectives.
• Produced Central Bank (SBP) regulatory return reports and maintained documentation for audits,
remediation, and governance standards.
• Prepared and maintained BRDs, FSDs, process maps and Credit Approval system requirement
documents to support ongoing system enhancements.
• Awarded Best Rating for staying Significantly above Target during annual appraisal for 2014, 2016 and
2019.

Worked on multiple system enhancement projects, ensuring alignment between business needs and IT
capabilities while providing prompt support to maintain high CSAT scores. Improved system quality through
regular testing, gap analysis, and troubleshooting. Identified critical issues and optimized systems to ensure
successful project deployment and operational excellence.