• Approving all procedural manuals and reviewing & recommending the policies and/or amendments to the Board of Directors. Participating in the design and review of new products and services. • Steering the external ratings including credit rating, corporate governance rating (first-ever bank in the private sector), self-rating and CAMELS-S (international framework) rating of the bank. The concerted efforts led to two-notch improvement in a parameter of CAMELS-S rating; exceptional for any bank. • Responsible for implementation of compliance risk management culture within the bank and monitoring regulatory compliance with laws, rules, regulations, policies and procedures. • Serving as a contact point for guiding the entire bank staff on compliance risk management on a day-to-day basis. Monitoring the potential impact on different risk limits for credits and investments. • Efficiently coordinating with foreign strategic shareholders, i.e., Deutsche Investitions of Germany- DEG and facilitate in their quarterly reviews. • Liaising with the regulators (central bank and competition commission) on the matters requiring clarification and/or relaxation in regulations to ensure smooth business within the bank. • Monitoring and resolution of instances/issues highlighted by central bank examiners/inspectors, external auditors and internal auditors. • Effectively conducting money laundering risk assessment for products & services, customers, countries and businesses. • Managing operational risk on enterprise-wide basis. • Responsible to plan & monitor the administrative, lending and operational compliance activities of the entire bank. Select Accomplishments: • Established the Compliance & Operational Risk Group from scratch and introduced the departments dedicated for Regulatory Compliance, Anti-Money Laundering and Operational Risk Management. • Developed Compliance Charter for the bank and got it approved from the Board of Directors. • Developed operational risk framework covering all risk areas of the bank. • Developed and managed an Operational Risk Management team to support business in identification and monitoring of their Key Risk Indicators. • Training the Bank staff on regulatory compliance, anti-money laundering and operational risk management areas.

• Managed all the responsibilities related to the management of risk on integrated basis and provided strong support to all business units of the financial institution. • Performed duties as a Member of various senior-level committees including the Central Credit Committee (CCC), Asset-Liability Committee (ALCO) and Secretary to Risk Management Committee (RMC) of the Board. • Played a pivotal in driving growth as a leading strategist facilitating the institution in decision making through quantitative and qualitative analysis. • Performed as the Coordinator for Basel-II and providing support and guidance as a focal point for Basel-II coordination with the stakeholders like Central Bank, RMC/Board of Directors, Senior Management and business units. • After acquisition of PICIC Group by the NIB Bank Limited had been appointed as a Member of Integration Management Team (IMT) to design and monitor overall integration of the three financial institutions i.e., PICIC, PCBL and NIB Bank. • Assigned additional responsibilities for the challenging role of Head of Planning & Management for Emerging Businesses. Select Accomplishments: • Developed plan for implementation of Basel-II, obtained approval from the Board of Directors and successfully implemented the same. • Developed reporting formats and extracted data for computation of capital adequacy under Basel-II • Performed the parallel run and submitted a comprehensive report for actions required from strategic perspective. • Provided valuable suggestions to the central bank regarding implementation of Basel-II in the country. • Conducted various capacity-building workshops within the bank and at banking industry level regarding the applications, implementation and expected benefits of Basel-II. • Developed risk rating criteria for various credit products that helped in identification and measurement of risk thereby supporting the decision-making process. • Streamlined the loan pricing structure and rate-sensitivity gap in the light of changing macroeconomic environment, thereby enhancing net income of the financial institution. • Analyzed and assessed the flow of Non Performing Loans and calculated the Portfolio at Risk as well as the potential provisioning impact on the bank. • Analyzed the causes and furnished valuable recommendations for stemming the flow of Non Performing Loans. • Designed reporting formats for monitoring of regular and overdue credits which facilitated timely identification of problem loans requiring remedial action saving the institution from economic loss. • Developed model for valuation of government securities portfolio for accurate calculation of duration of fixed income portfolio to analyze the interest rate risk and made strategic recommendations on re-balancing the portfolio. • Developed performance parameters for equities portfolio applying international best practices in performance monitoring including index-benchmarking, Value-at-Risk (VaR) and Sharpe Ratio. • Designed format for database of key operational risk event types which helped in escalation of operational risk events and controlling high frequency operational losses and being used in implementing the advanced approach under Basel-II. • Streamlined the process flows by defining and documenting the end-to-end business flow which helped in identification and measurement of cycle time and improvement in efficiency. • Developed Risk and Control Self-Assessment for different business units which facilitated self-assessment for identification and management of risk. • Revamped the business processes through creation of back offices (Credit Administration - CAD & Treasury Operations - TROPS) in order to mitigate operational, credit and market risks and avoid potential conflicts of interest. • Worked on the Credit Program of AFH (that is followed in banks owned by Temasek Holdings of Singapore) in order to customize the lending parameters for the local economy. • Made presentations to Asset-Liability Committee (ALCO) and Risk Management Committee (RMC) of the Board on emerging issues in risk management. • Performed comparative analysis of peer-group banks & DFIs for strategic decision making. • Performed stress testing of all on- and off-balance sheet assets and liabilities of the bank so as to quantify the impact of changes in a number of key risk factors.

Developed first-ever Risk Management Division, as a team effort, at Allied Bank Limited. • Drafted Credit Risk Management Policy and Operational Risk Management Policy for the bank in line with The New Basel Capital Accord (Basel-II). • Established systems and procedures relating to risk identification, MIS, monitoring of loans and early warning and development of Middle Office in the treasury function. • Gave valuable inputs to the SBP (central bank) on draft Prudential Regulations for Corporate/ Commercial Banking, SME Financing and Consumer Financing. • Managed credit decisions including reviewing and processing of credit proposals for lending to corporate entities and government agencies. • Streamlined the functioning of commodity operations financing by the Bank. • Provided valuable input on proposed banking products like cash card, housing finance etc.

Assessed and analyzed the requests for financial support of different public sector financial institutions and monitored their performance. o Monitored the risk profile of commercial banks, merger proposals and mitigation of financial risks involved in the M&A. o Team member in the privatization process of United Bank Limited and evaluated prospective buyers. o Member of the Committee for Restructuring of Banking Supervision Department. Gave suggestions for improving the supervision and policy making. o Prepared first-ever Business Plan for the department (BSD) in terms of objectives, HR needs, budgetary resources, space and IT requirements to achieve those objectives. o As head of Islamic Banking unit I streamlined the mechanism for SLR of Islamic banks. o Conducted on-site inspection of various financial institutions under freezing of FCY Accounts in May 1998. o Analyzed and processed the requests for waiver in Prudential Regulations to different banks.