CAREER SYNOPSIS Competent, diligent & detail-oriented Risk Management professional, with an excellent and rewarding career in the Finance & Banking and Risk Management, Spearheading functions with National Bank of Pakistan / Clydesdale Bank International Glasgow as Head of Risk Management / Chief Risk Officer Possessing valuable insights, keen analysis and team approach to implement best practices used in organizing and leading Finance and investment related business. Adept at working in high pressure environments with strict deadlines and multiple deliverables.  Expertise in Credit Risk, Operational Risk, Risk Policies & Frame work Investment Management and Capital Calculation., Restructuring Non-Performing loans, Designing, implementation and operation of the Risk Adjusted Pricing Models such as the Corporate Account Profitability Model (APM).  Hands on Experience in identifying key risk indicators, Risk Drivers, Control Approach (RDCA) and Loss Data Approach (LDA).Launching of new investment products and activities controls, Adoption of advance approaches for Mitigation of Risk , Use of Shariah-Compatible Export Credit, Designing, development, and implementation of the stress testing framework, ensuring compliance, development and regular calibration and validation processes for the Economic Capital and Capital Attribution Models in order to maintain market best practice and enhanced risk coverage.  Expansion of Bank's Risk Analytics and Stress Testing models and frameworks to the Banking Group.  Employs analysis and creativity to form productive systems and strategic business partnerships. Dedicated individual with a reputation for consistently going beyond what is required and using personal high standards to achieve results. Use of country risk mitigation instruments and liaison with International Rating Agencies  Superior communication and interpersonal skills, multitasking with an ability to interact with a wide range of people.  Internal Policy compliance supervision & New products and activities compliance control BASKET OF COMPETENCIES Risk Management Investment Management Operational Risk Market Risk  Basel II Credit Risk & Islamic Modes of Financing Credit Policy Financial Restructuring Risk Modeling   Training & Development Well trained in the Field of Risk Management, Investment Management, Basel II, and Corporate Restructuring & Risk Modeling at the International Center FAME / Swiss Finance institute. PROFESSIONAL EXPERIENCE Chief Risk Officer from Dec 2012 to Present National Bank of Pakistan (NBP) Reporting to the CEO and Board responsible of a team, managing NBP Risk Management function: Private Equity: independently review risk of new acquisitions and provide recommendation before new investment is made; review with Financial Control department investment valuations Commercial Banking: responsible for credit assessment and approval for retail products offered to the Bank’s clients (credit card, financing to individuals, financing to corporates) 2 Treasury: together with Treasurer, responsible of managing liquidity strategy, currency and profit rate risks. Define and manage interbank placement limits. Support Treasury team on interaction with banks or rating agencies Risk Analytics: developed and implemented a risk methodology to measure Private Equity risks both from deal and portfolio perspectives. Developed and implemented credit scoring and rating model for retail clients and products. These methodologies are used to measure credit risk impact onto Banks’ Balance-Sheet and support asset allocation and strategic planning. Corporate risk: responsible of driving the bank ALCO risk section, report key risk issues and work with senior management on evaluating actions to be taken Together with Financial Controls department, review long range planning for the bank Responsible of Information Security for ISO 27001 certification Risk Management Specialist from Sept 2011 to Oct 2012 AUST Ajman UAE Providing Training (Theoretical & Practical workshops) to MBA Executive Program Participants & Working professional in banking industry in following areas: Corporate Finance & Policy, Risk Management (Market Risk, Credit Risk, Operational Risk, Basel II), International Banking, International Financial Markets, Computer Application in Finance (Using Excel), Auditing & Compliance Central Bank of UAE regulations for Financial Institutions Clydesdale Bank Glasgow UK (Multinational Bank Member of Australian Banking Group) Group Head of Risk Management (Feb 2006 – AUG 2011)  Heading and managing a team and reporting to the Group Chief Executive Officer ( CEO) and the Board  Involved in establishing and communicating the organizations ERM objectives to the Board and assisting the Management with integrating risk management with the strategy development process.  Key person for assisting the Group CEO and the Executive Committee to develop risk management policies, and managing risk appetite and defining risk limits. Preparation of Risk Mitigation & Compliance Report’s  Market Risk Management for Investments & Treasury and Asset Management Departments  Functioning as a member of the Risk Management Committee, Investment Evaluation Committee and ALCO.  Responsible for formulating risk mitigation strategies for the organization critical risks and to monitor risk issues.  Associated with the business units to establish, maintain and continuously improve risk management capabilities.  Entrusted with the task of facilitating enterprise-wide risk assessments and monitoring priority risks across the Bank and Implementing AML Procedures. Corporate Credit Rating liaison with International Rating Agencies  Ensuring effective alignment between the ERM process, and internal audit and risk financing.  Assisting the Board and the executive committee with capital and resource allocation decisions.  Supervision of Compliance Risk Management team and Investment Strategies implementations  Analyzing and providing considered view regarding proposed investment plans and liaison with international investment Companies for investment in joint corporate loaning projects. Head of Risk Management (2003 – Jan 2006) Clydesdale Bank Glasgow UK (Multinational Bank Member of Australian Banking Group) Market Risk:  Monitor transactions to assess completeness and accuracy of market risks from a Value-at-Risk perspective  Develop business specific stress testing scenarios by studying trading strategies in order to discover hidden risks in the portfolio  Identify and initiate projects and processes that aid in improving the measurement and attribution of VaR and other monitoring tools lying within the team’s scope  Develop, display and disseminate a thorough understanding of daily position and market changes that impact various risks of the portfolio  Work closely with the traders to understand the products and portfolio characteristics of the bank’s Involved in the development, validation and monitoring of statistical techniques.  Key person for assessing market risks of new product initiatives, market risk regulatory and disclosure reporting.  Handled risk measurement, corporate valuations, analysis of CDO and Corporate exposures. 3  Responsible for Pre-acquisition risk assessment, evaluation of Corporate Finance, Retail Exposure proposals, preparation of Pre-Acquisition Risk assessment and Investment monitoring reports.  Assess the completeness and accuracy of market risk stress testing arising for trading room activities  Implement a process flow to report stress testing results more frequently than the current monthly reporting with analysis outlining changes over the reporting period Corporate Banking  Review periodically established credit risk ratings.  Receive and document the Credit Committee’s decisions regarding the recommended rating/classification.  Inform concerned departments about the Credit committee’s decisions and ensure they take the proper action.  Ensure the risk controls are capable of an early detection and effective resolution of problems related to credit risk management.  Review the recovery and restructuring proposal reports and submit them to Committee for approval and communicate the Committee’s decisions. Credit Risk:  Assigned responsibility of developing policies and procedures, and managing documentations.  Involved in Credit Policy analysis, administration, regulatory compliance and limits.  Entrusted with the task of Foreign Exchange risk management in Financial Institutions and Credit Risk solutions modeling.  Handled Corporate Credit Risk and application of statistical parameters in A-IRB Approach, and calibration of internal ratings to PD/LGD/ EAD estimates.  Key person for organizing Structured Trade Finance and Treasury Products Management.  Involved in analysis and risk assessment in Corporate Sector (Market, Credit & Operational Risk).  Successfully implemented Ratings Based Approach (RBA) using different rating methodologies.  Credit Risk Management for Investments & Treasury, Asset Management and Brokerage Departments Operational Risk  Implemented Basel II in Financial Institutions/Banks including development of a framework for operational risk compliance and involved in defining operational risk policies and procedures.  Developed an operational risk data model and loss data history database.  Involved in analysing existing data histories for Basel II compliance  Operational Risk Management for all departments and its subsidiaries Basel II Implementation and Basel III  Involved in Basel II Implementation & Calculation of Regulatory Capital in the Operational Risk Camp.  Capital Management, including Pillar 1 CAR monitoring, Pillar 2 ICAAP framework and Pillar 3 disclosures  Ensured Basel II Compliant (Evaluation and Testing) and analyzed the existing data histories for compliance.  Commended by the management for Basel II Compliant (Evaluation and Testing)  Good knowledge of Basel II , Pillar 2 issues including ICAAP preparation Investment Banking  Analysis’ of both derivatives and risk across all asset classes is becoming an increasingly significant area of growth within the industry in the post-recession climate,  Developing of market risk models, through the utilization of V&R and stress testing., Use of Monte Carlo simulation extensively, be able to simulate to a very degree In addition to fresh modeling this will involve building out new models and improving existing models,  Back testing and developing hedging, tracking and portfolio enhancing strategies  Supporting and working alongside experienced traders, research strategists, quant strategists to improve their coverage, business and fundamental products  To Improve and enhance the quality of the models so that their business can become even stronger,  Grasp complex products and work progressively in tandem with senior traders to drive their business forward,  Communicating on a daily basis complicated methodologies, data, and theories to both senior quant’s as well as senior traders, to ensure expansive market making is achieved 4 PREVIOUS EXPERIENCE CDS GLASGOW UNIVERSITY/CLYDESDALE BANK GLASGOW, UK Oct 1998-Aug 1999 Senior Risk Management Consultant - International Banking Centre  Responsible for managing the International trade finance activities under ICC regulations.  Involved in consultancy in the field of corporate restructuring, corporate credit risk issues, risk evaluations,  Risk assessment and Diligence investigations of Risk in Corporate Finance transactions.  Handled International Banking including new banking developments incorporating Operational Risk and Regulatory framework, and Risk Modelling Applications under different approaches.  Responsible for the managing Risk Review, Corporate Valuations, Risk Measurement and handling derivatives Instruments.  Key person for Market Analysis of Credit Derivatives and CDOs including structured fixed income securities, high yield Bonds and Review of current portfolio risks.  Actively involved in the Performance Analysis, Risk Review of Derivatives Market products/ Financial Markets Products including High Yield Bonds, Emerging Markets Corporate and Sovereign Debt, FOREX, Securities etc.  Use of Monte Carlo simulation extensively, be able to simulate to a very degree In addition to fresh modeling this will involve building out new models and improving existing models,  Analysis’ of both derivatives and risk across all asset classes NATIONAL BANK OF PAKISTAN KARACHI, PAKISTAN Jan 1985-Aug 1997 Career Path: Risk Management Specialist, Lahore; Auditor, Karachi &Credit Risk Manager, Bahawalnagar, 1992 - 1997 Commercial Banking Officer, Bahawalpur &Corporate Finance Executive, Chishtian, 1988-1992 Finance Manager Kohat &Advances Officer Bahawalnagar, 1986-1988 Banking Trainee, Staff College, Lahore, 1985-1986 Completed banking training in Staff College for the duration of 15 months. EDUCATIONAL CREDENTIALS  PhD (Economics / Risk Management)  CPA (Accounting & Finance), ICPA Ireland, Africa, New York, A Grade, Distinction in Five Subjects, 2003  M. SC (Economics & Finance), Marks scored-84.36%, Distinction in four Subjects, 2000  MPhil, International Finance, Glasgow University, UK, 1999  MBA (Finance), A Grade, Distinction in four subjects, West Coast IMT Perth Australia, 1997 PhD Dissertation Topic: Foreign Exchange Risk Management in Financial and Non-Financial Institutions &the Role Derivatives in Mitigating

Finance / Risk Management, Risk Management