Senior Finance Manager with 10+ years in Portfolio Management & Regulatory Compliance
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Accomplished credit risk professional with over 20 years of experience in leading commercial banks, specializing in unsecured lending, portfolio management, risk analytics, and IFRS 9 implementation. Proven expertise in managing high-value consumer portfolios exceeding $150 million, policy formulation, stress testing, and regulatory reporting. Demonstrated success in risk governance, model risk oversight, and cross-functional leadership with strong proficiency in MS Office and IBM Cognos. Holds a Bachelor's degree in Computer Science and certifications in Consumer Credit and Business Analytics.
PAF Karachi Institute of Economics & Technology
Bachelor's in Computer Science · Computer Science
August 1, 2002 – June 30, 2006
Hamdard College of Science & Commerce
Higher Secondary School Certificate
June 1, 2000 – May 31, 2001
Hamdard School
Secondary School Certificate
June 1, 1998 – May 31, 1999
Habib Bank Limited
Head of Personal Loan and Ready cash, Risk Management
September 1, 2022 – Present
Karachi, Sindh, Pakistan
Standard Chartered Bank
Senior Manager Credit Risk Management Unsecured
March 1, 2019 – September 1, 2022
Karachi, Sindh, Pakistan
Standard Chartered Bank
Manager Risk Performance
October 1, 2008 – March 1, 2019
Islamabad, Islamabad Capital Territory, Pakistan
Certification Business Analytics
Institute of Business Administration
January 1, 2020 – Present
Cultural Fit Analysis
The candidate's extensive career progression within established financial institutions (Habib Bank, Standard Chartered Bank) showcases a strong alignment with corporate banking culture. Their focus on risk management, regulatory compliance, and stakeholder engagement reflects a professional and responsible approach essential for senior finance roles. The blend of a technical background (Computer Science) with deep financial expertise suggests an adaptable and data-driven mindset, which is highly valued in contemporary financial organizations.
Soft Skills & Operational Fit
The candidate demonstrates strong leadership capabilities through managing teams and portfolios, and reporting to executive committees. Excellent communication skills are evident in their ability to prepare board-level reports and present complex risk strategies to senior leadership. Collaboration is a key strength, shown by liaising with auditors, central banks, and cross-functional teams. Their analytical mindset, problem-solving approach, and experience in highly regulated banking environments indicate a strong operational fit for a senior finance management role.