OBJECTIVE

To pursue a challenging career in a growing organization that enables me to attain a responsible position and allows me to capitalize upon my strengths and abilities.

QUALIFICATIONS

Ø       Diplomaed Associate of Institute of Bankers in Pakistan (DAIBP) January 2001

Ø       Passed CFA (Chartered Financial Analyst) Level 1, Candidate for CFA Level 2

Ø       Masters in Business Administration from IBA, Karachi. December 1998 GPA: 3.20

Ø       Bachelors in Business Administration from IBA, Karachi. December 1997 GPA: 3.22

Ø       HSC from Adamjee Govt. Science College, Karachi. June 1994    A Grade (77%)

Ø       SSC from B.V.S. Parsi High School, Karachi. May 1992    A-1 Grade  (84.5%)

EXPERIENCE

Habib Bank Limited

Credit Officer & Regional Credit Collection Manager (RCCM)

Credit Department, Regional Head Quarters (Karachi Region), Retail Banking Group.

Report to Regional General Manager (Finance) Karachi Region.

Current Assignment: Credit Processing & Analysis / Regional Credit Collection Manager.

Assisted Area Manager McLeod Road Zone & Cloth Market Branch

Acted as Relieving Area Manager for: Saddar, Tariq Road, Nazimabad and Central Zone.

Job Description & Key Responsibilities

Ø       Comprehensive Scrutiny of Credit Proposals to Ensure Compliance with Credit Policy Manual  & SBP's Prudential Regulations.

Ø       Preparation of Financial Analysis of Retail Clients to be submitted to the Regional General Manager (Finance) to ascertain the Credit Worthiness of Borrowers.

Ø       Processing of Flexi Loans & Delinquency Tracking of P.M.S.E.S Loans.

Ø       Liase with Branches to Implement Policies Concerning Preparation of Credit Proposals.  Assigned to guide/train the Branch Personnel in Computerization of Credit Proposals.

Special Assignments

Ø       Preparation of Credit Proposals to be submitted to Group Executive / President.

Ø       Assist Regional Chief in Market Analysis & Marketing of Retail Products.

May 1999

 to Date

May - July 1998

10 Weeks

ANZ Grindlays Bank

Intern; Corporate Banking Division, Finance Division, Consumer Banking  

May - June 1997

6 Weeks

Pak-Kuwait Investment Company

Intern; Accounts Department

SPECIALIZATION

 Project Evaluation

Corporate Finance

Security Analysis

COURSES

 Analysis of Financial Statements

Treasury and Funds Management

Investment Banking

 Consumer Behaviour

Personal Selling

Managerial Policy

MAJOR ACADEMIC

REPORTS

Ø        Live Case Study of General Tyres & Rubber Company of Pakistan Limited

Ø        Financial Model and Stock Valuation of Dewan Mushtaq, Dewan Khalid & SapphireTex.

Ø        An Overview of Islamic Banking Practices in Pakistan

Ø        Market Research on Macleans Flex Toothbrush, for SmithKline Beecham

ACTIVITIES AT IBA

Information Secretary, Business Administration Students Club August 1997-July1998

Ø       Conducted a Seminar on "I.T. Industry-Opportunities & Challenges"

Class Representative BBA 5 - Spring Semester 1997

Ø       Organized class events including  "The Semester Class Dinner"

Skills / HOBBIES

Computers    Web Designing & Development, Proficient in MS Office Applications

Sports          Table tennis and Cricket

Interests       Internet Browsing and Newspapers

LANGUAGES

English, Urdu and Gujrati.