Personal Details:
Place of Birth: Doha  Nationality: Pakistani
Gender: Male  Civil Status: Married
Credit Risk Management / Credit Control
Accomplished and results-oriented professional with extensive experience leveraging successful banking operations with specialization in credit analysis and risk management. Instrumental in corporate compliance maintenance, credit processing, asset management, portfolio advisory services, and relationship management. Expert in revitalizing operations while focusing on continuous process improvement and value-added solutions. Articulate communicator; aptitude of confidently presenting ideas to wide range of clients and positively influence decision makers. Proven expertise in:
 Project Analysis & Control
 Credit Risk Assessment & Mitigation
 Business Development Plans
 Treasury Optimization
 Credit Appraisals & Documentation
 Loan & Credit Facility Management
 Financial Strategy Management
 Team Leadership & Training
 Client Relationship Building
 Collections & Recoveries
PROFESSIONAL EXPERIENCE
Redco Construction Al Mana & Group – Doha, Qatar
Group Chief Credit Risk Officer, 2013 to Present
Launch and deploy control mechanism; carry out key decision to extrapolate performance; review policy and procedures to promote corporate governance globally.
Identify and mitigate potential inherent risk(s) in lending activities of group of companies through currency of running projects. Oversee procurement procedures of all non-funded documentary credit facilities, such as bank guarantees and letters of credit. Control cost of ongoing projects through estimations of possible credit appetite. Support executives for decision making process and design management reports. Monitor log of short, medium, and long-term schedule advances to set settlements on due dates. Liaise with commercial and cost control departments for managing outward payment terms and conditions. Write external reports on financials issues to satisfy queries of clients while compiling pre-qualifications of tendering activities.
Key Contributions:
 Attained centralization of finance function of Redco Construction Al Mana and Group of Companies.
 Devised best practices for accounts and finance department while defining credit risk management.
 Set standard parameters to calculate net financial deficit raised during currency of running projects.
 Defined a standard process flow to deal with internal/external trade finance operations on group level.
 Defined job description of members of accounts & finance department to periodically assess performance.
Doha Bank – Doha, Qatar
Senior Credit Risk Analyst – Credit Risk Management, 2006 to Aug 2013
Led internal procedures for contract financing, real estate financing, credit risk evaluation, terms of reference, and credit concentration documents.
Spearheaded domestic and international portfolios of new and existing corporate clients. Developed strategic business plans to evaluate credit/transaction applications of commercial and corporate, SME, and retail enterprises. Assessed data and improved turnaround time and work flows for corporate, commercial, and Islamic products. Researched key risk factors in specific lending propositions and removed by implementing policies and standards. Modified internal ratings of corporate clients through industry research, business plans, annual budgets, financial and market risk attributes, and cash flow projections.
Key Contributions:
 Formulated a comprehensive document for disbursement, recovery, and monitoring of big ticket contract specific Islamic advances. Manage in-house collateral management system.
 Compiled documents for multiple purposes, including SME, commercial advances for management reporting, improvement of credit review methodology of commercial and corporate Islamic products, and SLA for credit risk management.
 Re-organised a check list format to trace risks through optimisation of risk review screening process.
 Accomplished automation of MIS reporting of schedule loans for portfolio analysis. Automated collection log of payments against contract finances.
 Assembled sample template of VCS of engineering department to gain pre-facto financial information.
 Produced a template for credit application format to support adhoc/one-off transactions.
Additional experience as a Credit Risk Analyst, Credit Risk Management for Doha Bank, Qatar, 2002-2006 and Credit Risk Supervisor for Credit Control Department, Doha Bank, Qatar, 1997-2002
EDUCATION AND CREDENTIALS
Graduation in Science – Chemistry & Biology | University of Punjab – Lahore, Pakistan
Certifications
Dip. Financial Services Management, IFS – U.K.
Certified Lender Business Banker (CLBB), Arab Academy for Banking & Financial Services
Lean Management Certification
Microsoft Office 2000 Specialist
ISO 9001-2000 Foundation Training Courses
Business Objects (User & Advance) for Financial Services Reporting
Professional Development
Financial Analysis and Loans’ structuring
Validation of Credit Risk Model (CAM) Internal Rating System
Anti-Money Laundering and Compliance Training
Familiarization of QCB guidelines on Banking Advances
Corporate Finance | Introduction to Credit Analysis
Fundamental & Risk Management of Real Estate Finance
Advance Credit Risk Analysis | Credit Facilities
Assessment of Financial Risk & Financial Analysis Management
Foreign Trade Financing & Letter of Credit
Spread Sheet and Presentation Courses
AWARDS & HONORS
Excellent Service Award of 15 Years from Doha Bank, 2013
Thrice Achieved Best Committed Staff of the Bank, 2009 to 2013
Five Times Achieved Best Committed Staff of Department – Banking Services.
Two times Achieved Best Representative of Credit Risk Management in handling ISO Audit
Two Best Trainer Awards for Credit Risk Management Training Sessions – Training Centre of Doha Bank
Achieved Best Business Objects User Certificate to Promote MIS in Back Office of Doha Bank