日本と海外をつなぐクラウドソーシング

State Bank of Pakistan

Deputy Director

2015/01～

State Bank of Pakistan, has recently established Research & Development Division within the Banking Inspection Department with the intention to provide input on policies to various departments of SBP, act as focal division for solving any queries from Banking sector, formulate internal policies and procedures and explore developments in the field of banking and finance with special emphasis on supervision.
One of the core responsibilities of this division is the development of Risk Based Supervision framework. State Bank of Pakistan has undertaken the objective of shifting its regulatory framework from compliance based transaction supervision regime to forward looking risk based approach in the strategic plan of 2015-2020. I am core member of the Risk Based Supervision (RBS) team that is actively involved in research study, identification and implementation of Risk Based Supervision framework at State Bank of Pakistan. Till date RBS team has developed the schema of the proposed model and has worked on risk assessment and controls to identify residual risk by studying various supervisory models (APRA-Australia, OSFI-Canada, INROADS-India, CRAFT-MAS, Singapore and supervisory framework of HKMA-Hong Kong). SBP is expecting its parallel run with CAMELS from June 2018.

State Bank of Pakistan

Assistant Director

2012/01～ 2015/12

Conducted inspections and formulated reports on number of large, medium and small sized banks in Pakistan based on widely accepted CAMELS (Capital, Asset Quality, Management, Earnings, Liquidity, and Systems & Controls) framework. My core responsibilities were:
• Evaluating bank’s strategic plan, board of directors and management’s suitability and their performance in line with code of corporate governance and other regulatory requirements.
• Reviewing loan files, security documents, correspondence with customers and financials to assess the quality of credit initiation, credit administration and credit risk management.
• Assessing the operational viability and financial stability of the financial institution in relation to Capital Adequacy, Liquidity and Earnings
• Reviewing general banking operations at branch level covering all the areas of deposits, remittances, cash, clearing, etc. with special focus on regulatory compliance, especially know your customer (KYC), money laundering (ML) and terrorism financing activities.
• Evaluating the efficiency and effectiveness of Systems and Controls with regards to control environment, control activities, risk management setup and its implementation, audit and compliance monitoring mechanism, MIS structure and reporting.
• Providing inputs and giving feedbacks on various policies formulated by State Bank of Pakistan.
• Preparing statutory reports for banks regarding written-off loans, mark- up and other dues, or financial relief through rescheduling & restructuring of loans.

State Bank of Pakistan

Audit Officer

2008/01～ 2011/12

• Conducted risk based audit of assigned departments, examined and evaluated adequacy and effectiveness of the internal control systems in the Bank.
• Reviewed the applications and effectiveness of risk management procedures and risk assessment methodologies in financial, operational and corporate governance aspects of the bank’s activities.
• Reviewed and ensured accuracy and reliability of accounting records.
• Examined and evaluated effectiveness of existing policies, procedures and gave recommendations for improvements by providing policy guidelines.
• Examined that resource were acquired economically, used efficiently and safeguarded adequately.

SME Bank Limited

Credit Officer

2007/04～ 2005/12

• Marketed SME financial products and services.
• Managed a portfolio of Rs. 1000 Million of SME loans and more than 1000 borrowers single handedly.
• Prepared credit files, projections related to client’s income and expenses, analyzed financials, handled disbursement of loan and monitored its utilization.
• Actively involved in client relationship management and explored opportunities for new SME projects.
• Evaluated credit performances and devised strategies for arresting non performing loans (NPLs).