ISLAMIC BANKING

ERPBIZSOL Islamic banking services & Risk management

• Leading Business Intelligence, IT and Risk projects from business requirements, vendor and resource management, software development, implementation and integration with Bank’s legacy and core banking systems
• Attained successful project completion of FICO and S&P Risk models for credit risk models being used at Bank
• Heading Project Management Office (PMO) for IT & Risk Management software implementation initiatives
• Integral part of the committee responsible for defining Bank’s technology vision, 5 Years IT and Risk strategic plan and man power planning
• Customer Relation Management Implementation and its integration with Big Data
• Managing Compliance and Fraud Risk Management projects
• FinTech collaboration and system integration – launch of digital products, mobile banking app enhancements
• Achieved Business Process Improvement for Wholesale Banking and Retail Banking Group and reduced turnaround time while minimizing risks
• Enhanced ALGO – Loan approval and document / collateral management system
• Established, managed and operated department by introducing optimized processes to maximize overall profitability of Wholesale, Retail and International Banking businesses
• Assisted Risk Analytics and Credit Modeling teams in development, recalibration and validation of Risk and statistical models by carrying out data preparation, segmentation analysis, and testing & validation tasks. Assisted in validation of the deployed models
• Assisted ICAAP and Stress Testing unit within GRM with particular regard to hosting capital models, stress testing scenarios, models, and data in risk rating system
• Developed an Internal Risk Rating Framework and Capital Charge Calculation application module in accordance with requirements of regulator as well as IFRS9 and Basel guidelines
• Evaluated vendors for Risk & Compliance Management software and services by preparation of RFP documents, review and evaluate vendors, conduct product evaluation sessions and feasibility and analysis studies, negotiate contracts, service license and project scope agreements and liaise with legal department
• Guided, oversee, lead and train team members to ensure their career progression and improving the motivation / morale of staff members in GRM
• Coordinated Operational Risk activities within Enterprise Risk Management and ensuring implementation of RCSA, KRI, Control Testing, Issues and deliverables for the Group
• Conducted predictive modeling, fraud detection, credit scoring and forecasting to prevent losses
• Led Risk Analytics and IT Solution Delivery teams for development of software products, modules, business intelligence dashboards for Senior Management, Board Committees and the Regulator
• Project lead for SAS Enterprise Risk Management and Consumer Analytics implementation bank wide and played pivotal role in establishing and leading the Project Management Office (PMO)
• Project lead for implementation of Oracle Financial Services Analytical Application suite of Risk Management
• Solution Architect for Temenos T-24 Core Banking and ensured effective implementation of Credit Modules
• Developed and implemented an in-house Loan Origination System (LOS) to automate credit life cycle and to achieve paper less banking and minimize risk and fraud
• Head of development and implementation of Banking Intelligence Architecture, OLAP, Credit Risk, Market &Liquidity Risk, Operational Risk and various Consumer Analytics & Business Intelligence tools
• Implemented SAS Operational Risk Framework & Monitor to record, maintain and conduct business intelligence on Loss events, Risk Control Design Assessment & Self-Assessment, Key Risk Indicators and Reporting
• Solution Architect for Consumer Analytics project to develop and implement the following modules: Customer Segmentation, Cross Sell & Up Sell, Customer Retention, Credit Scoring and Behavior & Transactional Analysis
• Expert in SAS Data Integration Studio and performed complex ETLs to migrate data from various source systems to build SAS Detail Data Storage as a Risk warehouse
• Conducted vendor analysis for various Information Technology, Risk Management & Audit software, Enterprise MIS and Data warehouse for Banking
• Ensured Bank’s processes were automated through effective implementation of IT & Risk Technology Solutions
• Development of Microsoft SharePoint 2013 and its integration with Nintex workflow and Oracle Financials and designed and built customized web parts and workflows
• Led Credit Modeling team to build IRB models and transform all expert judgment based excel models into SAS statistical models and perform back-testing and model validation
• Developed a Macro Stress Testing Framework and various advanced models using multiple regression for estimating impact of macro variables on bank’s credit and market risk portfolio
• Behavioral Segmentation: Performed segmentation to enhance the consumer insight and better understand the customer behavior. Various segmentation techniques and procedures were implemented using SAS EM
• Built logistic regression models to estimate Probability of Default and Loss Given Default to evaluate the credit spread and perform valuation of the loan for each customer. Models were built in SAS-base
• Conducted Predictive Modeling, Fraud detection, Credit Scoring and Model Validations
• Provided analytics, data mining and quantitative support to other Bank’s Divisions and Departments
• Designed and automated Regulatory Reports to State Bank of Pakistan and ensure compliance with Basel II/III
• Attained certified courses from SAS in SAS Base, SAS Data Integration and SAS Advanced Programming and trained number of teams in Bank