Zulfiqar Ali  Khan, Executive Vice President,  Chief Risk Officer

Zulfiqar Ali Khan

Executive Vice President, Chief Risk Officer

Afghanistan International Bank

Location
Afghanistan
Education
Master's degree, Administration And Business Administration
Experience
9 years, 6 Months

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Work Experience

Total years of experience :9 years, 6 Months

Executive Vice President, Chief Risk Officer at Afghanistan International Bank
  • Afghanistan - Kabul
  • My current job since September 2018

• Served in key executive senior leadership position, contributed to strategic direction of Bank via development and implementation of Risk Management, AML/compliance strategies and business continuity plan operation, central bank regulations, including Shariah governance and bank internal policies, procedures in support of the Bank’s business goals.
• Performed customers KYC screening project for 35000+ customers, Anti-Money laundering & Counter finance terrorism AML/CFT, Oversaw $512M investment in capital markets and placements with other financial institution. Delivered whole bank Risk control Self-assessment exercise (RSCA), Reviewed $55M Credit clients, market and liquidity risks of the bank, Conducted Implementation of Shariah governance framework, Performed Portfolio stressed testing for bank during Covid-19.Successfully implemented Enterprise risk management (ERM).

Senior Vice president-Head of business banking and trade finance at Afghanistan International Bank
  • Afghanistan - Kabul
  • September 2017 to September 2018

• Led commercial strategy, long-term planning for business development of the Bank. Managed over 50 business clients with total loan portfolio of $78M and non-funded portfolio of $100M.
• Maintained excellent business development relationship with the Bank’s corporate clients, expanding bank loan portfolio by 51% in 2016-2018; analyzed customer business history to determine bank risk, prompting issue of Letter of Credit, other guarantees and Recovered 90% of Non-performing loans.

Vice President-Head of Community Banking and Banking for Small Businesses at Afghanistan International Bank
  • Afghanistan - Kabul
  • January 2015 to January 2017

• Maintained excellent relationships with Business clients for community banking and small business, executed over 55+ small business clients for loans, expanded the business loan, Managed portfolio of $18M for community banking and $ 8M for small business with good rate of return from different sectors (Manufacturing, production, traders, agriculture, Pharmacies and Women entrepreneurs)
• Trained credit analysts on financial products across the branches, identified opportunities for women entrepreneur as well as other business clients to develop market and structured the product range in order to comply with the needs.

Vice President-Head of Islamic Banking at Afghanistan International Bank
  • Afghanistan - Kabul
  • May 2014 to January 2015

• Managed all Islamic banking business development and operation, developed bank business strategy, risk management and marketing plans designed to build relationships with current clients and bring new relationships, Advised management on Investment portfolio (Sukuk investments and Financing). Increased deposits with in a year $20M in a year and Financing facility of $10M.

• Recommended new products, investment and financing, Creation of sound Shari’ah framework; Market business development and public awareness. Introduced new products to the women entrepreneur financing, house financing and vehicle financing. Ensured compliance with central bank laws, regulation and guideline; Promoting industry best practices

Education

Master's degree, Administration And Business Administration
  • at University Of Oxford – University College
  • December 2022
Doctorate, Banking And Finance
  • at The global University of Islamic Finance (INCEIF)
  • October 2019
Master's degree, Islamic Banking and Finance
  • at International Islamic University Pakistan
  • January 2010

Specialties & Skills

Islamic Banking
Board Level
International Capital Markets
Business Development
Commercial Banking
Problem solving
Team work & Product development
Analytics
Organisation and time management
Emotional intelligence
Communication skills
Leadership and team management
Teamwork
Customer service
Numerical analysis

Languages

English
Expert
Pushto
Native Speaker
Persian
Expert
Urdu
Expert
Hindi
Expert

Memberships

Banking commission,International Chamber of commerce (ICC) Afghanistan
  • Dealing with international trade and finance rules, UCP 500-600 UGDL
  • January 2019
Chairman of Risk management committee
  • Managing all financial and non financial risks at bank level
  • September 2018
Agriculture Development Fund (ADF) USAID
  • Member of High council
  • January 2018
Afghanistan Banking Association
  • Vice chairman of Islamic banking steering committee
  • March 2017
Afghanistan International Bank
  • Member of product and channel committee
  • January 2018
Member of compliance committee
  • Managed of Compliance related issues, KYC,FCCM, FTAF,Correspondent banking onboarding new clients.
  • September 2018

Training and Certifications

Financial Risk Management under Basel-ll (Certificate)
The Golden rules in inventory financing (Certificate)
Date Attended:
August 2018
Achieving Leadership Excellence (Certificate)
Date Attended:
October 2019

Hobbies

  • Going to GYM
  • Playing cricket and football
  • Reading books and articles