• Managing a diversified credit portfolio of about USD 300Mn comprising large corporates & MNCs of Pakistan, Sri Lanka, and UAE with major industries including Textile, Cement, Chemicals, Tobacco, and Food & Beverages
• Evaluate and examine client’s working capital requirements, collateral, transaction feasibility, industry trends along with financial statements and complex financial models for decision support to credit approval and review committee
• Study severity of past due accounts and recommend precautionary steps to prevent future credit losses. Over the years,  collaborated with the business unit on reduction of overdue accounts; reduced 20% in 2019
• Negotiate with business unit regarding credit proposals put forward & ensuring they are restructured in the light of bank’s internal policies and State bank’s regulations
• Monitor new and existing clients through monthly and annual financial and compliance reviews, evaluate ongoing collateral risk, assigned/ validated risk ratings on regular basis, and maintain applicable databases

• Carrying out risk analysis of credit proposals under guidance of Central Bank’s Regulations & Bank’s own policy.
• Conducting thorough financial/credit analysis to identify repayment capacity and future course of business.
• Coordinating with field to swiftly resolve all outstanding issues & queries to facilitate the chain of reviewing process.
• Regular monitoring & compliance follow-ups of special approval terms of allocated accounts to mitigate risk.

Worked with the commercial team to implement the DFMS (Distributors Financial Management System).
Coordinated with different distributors and helped them to resolve their issues concerning DFMS.

Managing and updating bank account details in SAP, reporting modes of receipt collection (same bank, cross bankcheque, SIDA).
Updating of legal bank documents.
Reporting of payment and collection cash flow forecast. Managing a strong relationship with bank partners.

Conducting a research on consumer research for Nestle's Breakfast Cereals category.
Visit key account outlets to find insights for increasing the market share.

Provided the assistance to professor in managing lectures, marking quizzes and assignments.