1. Faisal Aftab
2-A/1, 14th South Street, DHA, Phase 2, Karachi-75500
Res: 0092-21-35382347
Cell: 0092-333-2177697
Email: faisalhaftab@gmail.com
Professional Summary
Dynamic risk management professional adeptatdirectingcomplex projects and leadinghigh
performance teams to complete key organizational initiatives.Haveeffectively utilized various IT
tools to facilitateand expedite the tasks at hand.
Skills
o Background in Risk Management
o Strong interpersonal skills
o Strong bankingethics
o Bilingual in English and Urdu
o Risk management assessments
o SQL and databases
o Workflowanalysis
o Operations management
o Process improvement
o Creative instruction styles and
techniques
o Strong communication skills
o Managingtight deadlines
o Workingindependently
o Leadership
o Knowledge of Windows and Linux
environments
o Experience of usingopen source
software
o Able to formulate queries usingSQL
o Hands-on experience of Oracle,mySQL
and php
o Hands-on experience of ETL tools for
data cleansingand transformation in
order to facilitatedata analysis
o Hands-on experience of virtualization
tools i.e. VirtualBox
Employment History
Head of Risk Policy
April 2011 - May 2015 – Tameer Microfinance Bank Ltd., Karachi
Led the overall risk policy function and implemented policy / guidelineimprovements. Besides
formulatingthe non-existent Risk Management Framework and relevant policies,I was entrusted
with the following:
o Management of Risk Policy related issues
o To ensure that Risk Policy remained within the ambitof SBP prudenti al regulations for
microfinance
o Analysis of the creditrisk management function in terms of samplesizes for review and
verification
o Periodic stress testingof the overall portfolio as well as specific cuts of the portfolio to
better understand the expected portfolio behavior in the face of adversity

2. o Review of all existingrisk policies and their amendment based on practical experiences
and learning
o Monitoringof Key Risk Indicators(KRIs) in order to assess theoperational risk of
processes,departments and bank branches
o Review of all productprograms from a risk perspective
o Coordination with Business,Productand other departments in order to obtain feedback
and promulgate changes to the existingguidelines/processes
o Analysis of Advances (loan data) to ascertain portfolio health i.e.measuringdelinquency
(Portfolio atRisk) by Product, Geography, Gender etc
o Analysis of loans in defaultduringa specified period i.e. gross write-offs, recovery and
net write-offs
o Analysis of portfolio mix in order to check product concentration
o Analysis of deposits by
 Depositor
 Product
o Analysis of gross loan portfolio by productand geography
o Analysis of vaultposition to ensurethat cash and bullion remained within the threshold
specified by the insurer
o Analysis of market valueof gold (local and international) to specify a rational LTV for
collateral backed loans
o Analysis of ENR
o Analysis of data pertainingto gold auctioned for recoveringloan amounts in default
o Analysis of MTD and YTD loan disbursals
Country Head - Review Credit Committee
June 2009 - March 2011 – Tameer Microfinance Bank Ltd., Karachi
Spearheaded the Credit Risk Management Units across Pakistan i.e.Karachi,Lahore,Hyderabad,
Bahawalpur and Gujrat.Followingtasks were carried outunder my supervi sion:
o Pre-disbursal scrutiny of loan applicationsincludingfield verification
o Post-disbursal reviewof loan applications(Quality Control)
o Identification of vulnerabilities thatthe organization may be susceptibleto
o Design and implementation of controls to minimizelosses
o Preparation of guidelines (in linewith the credit risk policy) for each loan product
o eCIB queries & monthly reporting of activeborrower data to SBP
o Feedback to business/sales for improvingtheir processes
o Analysis of pre-disbursal data of reviewed credit applicationsby
 Verifier
 Reviewer
 Approver
o Analysis of creditapplications approved by branch managers on samplebasis
Manager Credit Administration
August 2006 - May 2009 - Tameer Microfinance Bank Ltd., Karachi
Supervised credit related tasks atKarachi and Hyderabad thatincluded:
o Pre-disbursal scrutiny of loan applicationsincludingfield verification
o Post-disbursal reviewof loan applications(Quality Control)
o Analysis of application data
o Design and implementation of controls to minimizelosses
o eCIB queries & monthly reporting of activeborrower data to SBP
Officer Consumer Finance (Auto Loans)

3. August 2004 – June 2006 - Faysal Bank Ltd., Karachi
Managed high volume of corporate / individual applicationsfor existing/ new cli ents to facilitate
disbursement of Sharia’a compliantmodes of financingi.e. Ijara and Murabaha.
Database Application Developer
July 2000 – June 2004 -Ailya Tech Systems, Karachi
Designed, developed and implemented an Inventory and Accounting Information System utilizing
Oracle8 as the application back-end and Developer 2000 Release 2.1 as the front-end GUI.
Software Developer
Dec 1999 – May 2000- NUST-Software Development Authority, PNEC, PNS Jauhar, Karachi
Designed, developed and implemented a:
> Student Information System
> Library Information System
for Pakistan Navy Engineering Collegeat PNS Jauhar,Karachi utilizingOracle7 as the application
back-end and Developer 2000 Release 2.1 as the front-end GUI.
Officer
Nov 1993 - Nov 1999 - Eastern General Insurance Co. Ltd., Karachi
o Initially joined the company as a Junior Officer in the Motor Vehicle Claims Department
and assisted Manager Claims to do correspondencewith the clients and valuatorstill final
settlement of each claim
o Acquired considerable experience in tackling legal issues with reference to the lodged
claims
o Worked in the Administration Department as an AdministrativeOfficer where main job
responsibility was to maintain personnel records in the company databasesystem
Workshops Attended
o “Account opening & money laundering” at Faysal Bank Ltd., Gulshan-e-Iqbal Branch,Karachi
(Oct 14, 2004)
o “Stress management at work” at Faysal Bank Ltd., Gulshan-e-Iqbal Branch,Karachi
(Dec 9, 2004)
o “Rental recovery” at Faysal Bank Ltd., Shahrah-e-Faisal Branch,Karachi
(Mar 19,2005)
o “Lease termination” at Faysal Bank Ltd., Shahrah-e-Faisal Branch,Karachi
(Mar 25,2006)
o “Effective credit management” at The Instituteof Bankers Pakistan,Karachi
(Dec 4 – 9, 2006)
o “Understanding credit risk models” at The Institute of Bankers Pakistan,Karachi
(Sep 12 – 13, 2007)
o “Leading your team & motivating people” atTameer MicrofinanceBank Ltd., Karachi
Conducted by Integrated Management Consultancy (under the auspices of International
FinanceCorporation)
(Dec 1 – 3, 2008)
o “eCIB system training” at State Bank of Pakistan,Karachi
(Aug 10 – 13, 2009)
o “Stress Testing: Concept & Guidelines for Risk Management” at The Institute of Bankers
Pakistan,Karachi
(Aug 27, 2009)

4. o “HR Policy Awareness Session” at Hotel Mehran under the auspices of Tameer Microfinance
Bank Ltd., Karachi
(October 2009)
o “Branch Manager’s Workshop” held under the Professional Development Program at
Nathiagali
(May 1 – 2, 2010)
o “Branch Manager’s Strategic Planning Session for 2011” held at Regent Plaza under the
auspices of Tameer MicrofinanceBank Ltd., Karachi
(March 4 – 6, 2011)
o “Liquidity Risk Management” held at Pearl Continental Hotel, Karachi and facilitated by
Business Solutions
(July 14, 2011)
o “GUNGHO – Tameer Log Tameer Bank” held at Carlton Hotel and facilitated by Navitus (Pvt)
Limited
(October 14 – 15,2011)
o “Bank Risk Management” held at The Institute of Bankers Pakistan,Karachi under the
auspices of International FinanceCorporation
(February 21 – 23, 2012)
o “Mobile Commerce Conference 2012” held at MarriottHotel, Karachi
(March 15, 2012)
o “Strategizing for Resilience against Disasters – A Microfinance Dialogue” held at Pearl
Continental Hotel, Karachi under the auspices of Pakistan Poverty Alleviation Fund
(May 24, 2012)
o “SAS Fraud Prevention Workshop” held at Sheraton Hotel, Karachi
(January 30, 2013)
o “Mobile Commerce Conference 2013” held at Sheraton Hotel, Karachi
o “e-Banking Conference 2013” held at Pearl Continental Hotel, Karachi
(April 25,2013)
o “Risk Management – Training of Trainers” conducted by Pakistan MicrofinanceNetwork at
Avari Towers, Karachi
(June 18 – 19, 2013)
o “Leadership Summit” held at Ramada Hotel, Karachi
(January 10 – 11, 2014)
o “Seminar on Enterprise Risk Management” held at MarriottHotel, Karachi
(March 27, 2014)
o “BASEL III & Counterparty Credit Risk” held at held at MarriottHotel, Karachi
(November 17 – 18,2014)
Training Imparted
o “Credit Risk Procedures & Implementation” at State Bank of Pakistan –Learning Resource
Centre
(5th August 2010)
o “Delinquency Management & Credit Risk” at State Bank of Pakistan –Learning Resource
Centre
(30th March 2011)
o “Training Program on Microfinance for Apna Microfinance Bank Ltd – 1st Batch” at NIBAF
Learning Resource Centre, SBP, Karachi
(Nov 27 – 29, 2013)
o “Training Program on Microfinance for Apna Microfinance Bank Ltd – 2nd Batch” at NIBAF
Learning Resource Centre, SBP, Karachi
(Jan 23 – 24, 2014)

5. o “Training Program on Microfinance for Apna Microfinance Bank Ltd – 3rd Batch” at NIBAF
Learning Resource Centre, SBP, Karachi
(Feb 19 – 21, 2014)
o “Training Program on Microfinance for Apna Microfinance Bank Ltd – 4th Batch” at NIBAF
Learning Resource Centre, SBP, Karachi
(Mar 18 – 20, 2014)
o “Microfinance Grass Root Level Training Program” at NIBAF Learning Resource Centre, SBP,
Karachi
(Apr 21 & 23, 2015)
Education
o M.A.(Economics) - 1993 from University of Karachi
o B.A.(Hons) in Economics - 1992 from University of Karachi
o H.S.C - 1988 from Board of Intermediate Education,Karachi
o GCE ‘O’ Level - 1983 from Habib Public School,Karachi
Additional Qualification
o Developer 2000 - Build Forms I in 2001,OracleCorp
o Introduction to Oracle:SQL and PL/SQL in 2001,OracleCorp
o Diploma in OraclefromPakistan Navy Engineering College, 1999
o CertificateCourse in Stats &Maths for Management from IBA, 1986
Personal Information
Father’s Name: Husain Aftab
Nationality: Pakistani
Marital Status: Married
Date of Birth: 7th November 1967
CNIC No: 42301-7377584-1