Sohail Ur Rehman Toor

A Shariah Compliant financing firm with exposure in Real Estate, leasing, and financing with an equity of $250+ millions.
• Reviewed the risk appetite, redefined tolerance, and threshold, and aligned with changing business plan and strategies.
• Performed Risk and Control Self-Assessment (RCSA), assessed likelihood and impact assessment, developed risk registers,
derived residual risk, and agreed upon risk implementation plan / strategies (Acceptance, transfer, mitigation, dilution).
• Identified Key Risk Indicators (KRIs) and implemented incident/event management framework across the organization for
identifying and managing operational failures/near misses and preventing recurrence.
• Designed market risk policies, assessment tools, and techniques (VaR, stress testing, scenario analysis, diversification, risk limits
& budgeting) for various investment instruments/vehicles.
• Developed Business Continuity Management (BCM) and Disaster Recovery Plan (DRP) to ensure sustainability and continuity.
• Assisted the Business Impact Analysis (BIA), identified critical processes, assessed the impact of adverse event / technology risk
and designed strategies to minimize disruption.
• Reviewed Loans requests (corporate, SME, Individual, Projects) seeking credit facilities and imparted credit risk analysis reports
to credit authorities.
• Periodically compiled and developed critical strategic risk metrics, prioritize the risk mitigation strategies/methods, monitored
the status of corrective actions, and raised early warning signals.

The company operations and MENA with an asset base of $700+ million.
• Designed and implemented Integrated Risk Management framework (Market, Credit, Investment, Operational Risk) in parent
and subsidiaries for identifying key risks, assessing exposure, and devising risk management practices.
• Participated in the working group to analyze existing verticals and mandated to devise a re-structuring strategy by a leading
consulting firm (BCG).
• Periodically assessed the performance of group investments, identified financial, operational, compliance, and reputational
risks, and recommended viable measures, if needed to streamline adverse performance/trend.
• Coordinated with risk champions in subsidiaries, collected data, and presented consolidated risk reports to the parent
companys Board risk committee regularly.
• Worked out market risk measures Value @ Risk (VaR) for portfolio risk assessment and timely decision-making.
• Analyze and monitor abnormal variances (actual vs. budgeted), if any, and agree upon corrective measures with the concerned
business segment to remain in line with the clear strategic direction of the group.
• Reviewed merger & and acquisition (M&A) proposals/valuations, portfolio management strategies/methodologies, and
provided proactive recommendations in line with defined strategy and Market Trends.

million.
• Reviewed new investment proposals domain of alternative investment (VC, Real
• Conducted Risk reviews of the policies and performed gap analysis to ensure it meets best practices, ethics and change
management.
• Implemented Corporate Governance standards and policy development for external and internal stakeholders.
• Support the Senior Management roles at various committees such as credit, provision, strategy, and governance.

• Led the redesigning and implementation of Operational Risk Management Frameworks and successfully rolled over to all
functional areas including NBK Capital and international operations/branches.
• Developed Operational Risk governance, risks reporting protocol, risk appetite & and tolerance metrics, risk taxonomy, and
inventory and capital assessment using the basic and standardized approach.
• Digitalized the Ops risk management function and implemented the risk management system for all key aspects of the Ops
risk including Risk & Control Self-Assessment matrix (RCSA), KRIs, loss data, and incident management.
• Collected operational risk failure and performance metrics for data analytics and redesigning risk policies and strategies.
• Developed risk dashboard / Heat map stating key risk issues, in line with banks strategic plans & Industry trends.
• Led the RCSA, KPIs, Loss Data/Incident exercise in the Private Banking and Transaction Banking and train the risk champion for
successful rolled over and continuity.

• Conducted risk assessments, developed audit universe & and plans, supervised fieldwork & and communicated audit observations for various economic sectors including financial services, real estate, and hospitality.
• Led and Coached staff/teams for testing the integrity of internal control & and sourced cost‐effective & and efficient areas.
• Developed and implemented governance, risk, and compliance (GRC) best practices for several clients.
• Developed policies, procedures, authority matrix, and governance structure for newly established and existing client base.
• Gather and analyze data and Sourced potential business opportunities for enhancing portfolio and market position.