• Managing risk of Unsecured Asset Products including Credit Cards, Personal Installment Loan and Personal Revolving Loan.
• Responsible for credit policy formulation, loss forecasting and capacity planning for Retail Risk.
• Track performance of portfolio and identify key risk parameters for early policy actions in order to ensure that loss norms are within acceptable level and product profitability is as per plan.
• Understand portfolio trends with the help of different MIS, indicators, leading, coincident, lagging indicators, net-flows and Vintage MIS.
• Identifying profitable segments through portfolio risk assessment.
• Monitor key performance including delinquencies and losses on monthly basis and comparison with the product program and annual plan.
• Maintain P/L charge within the budgeted figures.
• Ensure acceptable audit rating.
• Ensure all policies are in line with SBP regulations. Also to conduct sample tests on controls in place to ensure its compliance.
• Continuous training programs for CIU, EAMVU & Sales staff in order to keep them up to date about changes in policies.

• Worked on system implementation for Mercedes Benz (Daimler Financial Services) across 12 countries. Scope of work include requirements gathering across all markets, calculations, gap analysis, preparation of BRD & RS documents and training of development team.
• Lead and/or participate gap analysis/ requirement gathering workshop (onsite) to determine client’s needs and discuss the requirements in detail by considering existing system processes and end to end contracts life cycle. Client requirements include business processes, calculations and accounting.
• Document client requirements after discussion so that development team can understand requirements clearly for development of functional specification document and application.
• Participate in impact analysis meetings to make sure that development / SQA teams understand requirements clearly.
• Review functional specification document to make sure that proposed solution is in-line with client requirements.
• Review test cases, prepared by SQA, to make sure that testing scope is line with the requirements.
• Resolve queries raised by development / SQA team during development.
• Support implementation team during UAT from onsite/offsite.
• Study modifications requests raised by client and analyze the completeness of the request by considering the impacted area and business impacts of the modification on rest of the areas.
• Discuss the queries with client relating to change request and make sure that requirement is well understood and complete.

•Managed risk of Retail Asset Products including Personal Installment Loan, Personal Revolving Loan, Auto Financing, Auto Leasing, Mortgages, Cash Car, and Cash Near Cash.
•Responsible for credit policy formulation, loss forecasting and capacity planning for Retail Risk.
•Track performance of portfolio and identify key risk parameters for early policy actions in order to ensure that loss norms are within acceptable level and product profitability is as per plan.
•Understand portfolio trends with the help of different MIS, indicators, leading, coincident, lagging indicators, net-flows and Vintage MIS.
•Identifying profitable segments through portfolio risk assessment.
•As an Operational Risk Coordinator for Retail Risk, responsible to identify Key Risk Indicators and build controls within different units including Credit Initiation, External Agency Management & Verification and Collections.
•Process Updation of Unit in perspective of ICFR and conduct self-assessment of controls within the unit.
•Monitor key performance including delinquencies and losses on monthly basis and comparison with the product program and annual plan.
•As a Compliance Monitor for Retail Risk Management Group; to ensure all policies are in line with SBP regulations. Also to conduct sample tests on controls in place to ensure its compliance.
•Responsible for product parameterization of all products in FinnOne Customer Acquisition System and conduct end-to-end User Acceptance Testing in coordination with IT and Finance.
•Continuous training programs for CIU, EAMVU & Sales staff in order to keep them up to date about changes in policies.