Total Years of Experience: 19 Years, 5 Months
December 2011
To Present
Product Manager
at Mashreq Bank
Location :
United Arab Emirates - Dubai
Provided timely, accurate analysis on Retail Business Portfolio trends & Industry trends.
Developed Product & Segment Level Portfolio Decks/Dashboards for higher Management.
Highlighted High Net Worth Customer profile for potential Cross/Up selling
Managed Customer Segmentations & Upgrade & Downgrades based on their Financial Behavior.
Managed & maintained Monthly Data Warehouse for comprehensive portfolio Analysis
Provided technical support to business for all Ad-hoc requirements.
Co-ordinated with IT team for the resolution & fixation of complex technical issues
Provided technical support amongst the team members
Developed Product & Segment Level Portfolio Decks/Dashboards for higher Management.
Highlighted High Net Worth Customer profile for potential Cross/Up selling
Managed Customer Segmentations & Upgrade & Downgrades based on their Financial Behavior.
Managed & maintained Monthly Data Warehouse for comprehensive portfolio Analysis
Provided technical support to business for all Ad-hoc requirements.
Co-ordinated with IT team for the resolution & fixation of complex technical issues
Provided technical support amongst the team members
February 2008
To June 2011
Manager MIS & Analytics
at Summit Bank (formerly Atlas Bank Limited
Location :
Pakistan - Karachi
- Prepared, reconciled and consolidated financial statements pertaining to consumer banking.
- Comprehensively analyzed Consumer Banking Portfolio’s performance for effective monitoring.
- Prepared and highlighted account receivable with high risk of default.
- Ensured timely submission of all relevant reports to management and to central bank.
- Developed & maintained Credit Risk Data mart for routine and ad-hoc MIS
- Assisted to developed a process structure for Credit dept in Core Banking System (T24)
- Performed, organized & monitored Siebel System UAT tasks to implement Collection System
- Comprehensively analyzed Consumer Banking Portfolio’s performance for effective monitoring.
- Prepared and highlighted account receivable with high risk of default.
- Ensured timely submission of all relevant reports to management and to central bank.
- Developed & maintained Credit Risk Data mart for routine and ad-hoc MIS
- Assisted to developed a process structure for Credit dept in Core Banking System (T24)
- Performed, organized & monitored Siebel System UAT tasks to implement Collection System
September 2007
To January 2008
Manager – Consumer Collection System (CWX)
at Standard Chartered Bank
Location :
Pakistan - Karachi
- Developed, circulated and monitored the performance reports for productivity measurement
- Strategize & executed bulk SMS for delinquent Customers & monitored its impact on portfolio
- Assisted in the enhancement of Collection System (CWX) for Collection Dept
- Administered the CWX downtime and devised strategies to minimize it
- Strategize & executed bulk SMS for delinquent Customers & monitored its impact on portfolio
- Assisted in the enhancement of Collection System (CWX) for Collection Dept
- Administered the CWX downtime and devised strategies to minimize it
October 2006
To September 2007
Assistant Manager – Credit Risk Analytics
at ABN AMRO Bank N.V.
Location :
Pakistan - Karachi
- Performed monthly Portfolio Analysis for Consumer Products
- Analyzed behavior of Multi-Relationship Customers
- Recommend policy changes and improvements based on review of portfolio performance
- Coordinated with IT & outsource company to develop data warehouse for Risk Dept
- Established Collection MIS dept for country level portfolio analysis
- Assisted in the implementation of Collection System (CWX) for Collection Dept
- Analyzed behavior of Multi-Relationship Customers
- Recommend policy changes and improvements based on review of portfolio performance
- Coordinated with IT & outsource company to develop data warehouse for Risk Dept
- Established Collection MIS dept for country level portfolio analysis
- Assisted in the implementation of Collection System (CWX) for Collection Dept
October 2006
To September 2007
Assistant Manager – Credit Analytics & MIS
at ABN AMRO Bank N.V.
Location :
Pakistan - Karachi
Performed monthly Portfolio Analysis for Consumer Products
- Analyzed behavior of Multi-Relationship Customers
- Recommend policy changes and improvements based on review of portfolio performance
- Coordinated with IT & outsource company to develop data warehouse for Risk Dept
- Established Collection MIS dept for country level portfolio analysis
- Assisted in the implementation of Collection System (CWX) for Collection Dept
- Analyzed behavior of Multi-Relationship Customers
- Recommend policy changes and improvements based on review of portfolio performance
- Coordinated with IT & outsource company to develop data warehouse for Risk Dept
- Established Collection MIS dept for country level portfolio analysis
- Assisted in the implementation of Collection System (CWX) for Collection Dept
May 2004
To September 2006
Analystics Manager -Credit Policy
at United Bank Limited - Head office
Location :
Pakistan - Karachi
- Performed monthly Portfolio Analysis for Consumer Products
- Ensured timely reporting to the management
- Analyzed behavior of Multi-Relationship Customers
- Recommend policy changes and improvements based on review of portfolio performance
- Coordinated with IT & outsource company to develop data warehouse for Risk Dept
- Established Collection MIS dept for country level portfolio analysis
- Assisted in the implementation of Collection System (CWX) for Collection Dept
- Ensured timely reporting to the management
- Analyzed behavior of Multi-Relationship Customers
- Recommend policy changes and improvements based on review of portfolio performance
- Coordinated with IT & outsource company to develop data warehouse for Risk Dept
- Established Collection MIS dept for country level portfolio analysis
- Assisted in the implementation of Collection System (CWX) for Collection Dept
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