1. “I`m passionate to thrive on
modern management
techniques through
professionalexpertise in the
field of Financial Risk and
Business Management”
Target Fields:
Risk Management
Budgeting & Planning
Accounts & Financial
Management
Research
Achievements:
1st
Position & Gold Medal in
MBA-Finance from Institute
of Business Administration,
Karachi.
2nd
Position in M.Sc -
Economics from University of
Karachi.
1st
Position in B.Sc (Hons)
Economics from University of
Karachi.
Cleared CFA (level-I) in First
attempt
Junior Associate Bankers
Exam (JAIBP Level-I)
Junior Associate Bankers
Exam (JAIBP Level-II)
Wajid Iqbal_________________________________________________________________________________________________________________________________________________________________________________________
A-142, Sector X-3, Gulshan-e-Maymar
Karachi, Pakistan.
Tel: 0092-343-2143245
Email: swajidiqbal@yahoo.com
Professional Overview:
Expertise in risk assessment and financial portfolio management with a
progressive career of 5 years. Interest driven work of business analysis and
financial portfolio management with current employer has allowed prospering
professional skills. Demonstrated diversity while working in automobile, marine,
development financial institution and banking industries.
Key Skills:
 Business Analysis & Assessment
 Financial Modeling & Budgeting
 Treasury & Funds Management
 Market & Economy Review
 Socialization & Networking
 Presentation & Report Writing
 Sound Computer Skills
 SPSS & E-Views
Employment History & Work Experience:
PAIR Investment Co. Ltd - DFI Apr 2015 to Present
PAIR is operating in Pakistan as a Development Finance Institution with an aim to
support economically viable projects. Having range of financing products, PAIR
targets large corporations, medium sized enterprises, and governmental projects.
AVP – Credit & Risk Management (Apr 2015 to Present)
- Supervise a team of three members to smoothly run the credit & market risk
unit and perform risk management responsibilities.
- Perform regulatory Stress Testing of Credit Risk, Market Risk, and Liquidity
Risk exposures and subsequently derive the impact on organization`s capital.
- Monthly update on Internal Capital Adequacy Assessment Process (ICAAP).
- As a Secretary of Central Credit Committee, monthly conduct CCC meeting to
update members on performing advances & investments, discuss new
potentials avenues of investments and loan applications, and formulate
strategy for classified Loans & Investments.
- Presentations & risk reports for management and board level committees.
- Review credit & investment proposals, prepare risk review reports, and
recommend it to central committee for their final approval.
- Formulate policies and manuals for subunits of risk management department.

2. Career Summary:
AVP Credit & Risk
Management, PAIR
Investment, 2015 to Present
Credit & Market Risk Analyst,
HMB, 2012 - 2015
Management Trainee, HMB,
2011 - 2012
Assist. Manager Accounts &
Imports, A.B. Engineering
(Pvt.) Ltd, 2008 – 2009
External Consultant Financial
Feasibility & Market
Determination of MICT Dry-
port (MBA Project), 2011 -
2012
Training & Certificates:
Bank Guarantee, by IBP
Money Laundering
Prevention & Countering
Terrorist Financing, by Habib
Bank Zurich
MS Excel for Business
Managers, by IBA
Personal Effectiveness &
Leadership, by IBA
- Review client request for No Objection Certificate pertaining to charge over
assets and put recommendation for approval.
- Temporarily looking after Special Asset Management (SAM) and recovery
related activities.
Habib Metropolitan Bank (HMB) Sept 2011 - Mar 2015
With an Equity of PKR 27 billion and Investments & Advances of over PKR 300
billion, Habib Metropolitan Bank ranks within Top 10 Banks in Pakistan. HMB is a
subsidiary of Habib Bank AG Zurich; the 5th
most sound bank in Switzerland.
Market Risk Analyst (Mar 2014 – Mar 2015)
- Market Risk Management Summary Report for Zurich (Group) office
- Tenor-wise Interest Rate Risk GAP Analysis
- Stress Testing of Market risk and Liquidity risk exposure on bank`s capital
- Market and Liquidity risk limit & exposure reports. These reports are then
compared with financial market behavior for that day.
- Holistic review report on financial market and industry performance
- Deposit Concentration Report
- Liquidity Risk Trigger Report
- Investment Classification & Revaluation Report
- Detailed Peer Group Analysis
- Presentation & Meeting Minutes for ALCO and Board level meetings
Credit Risk Analyst (May 2012 – Mar 2014)
- Credit Risk Management Summary Report for Zurich (Group) office
- Credit Portfolio Management Report based on Risk Rating, Geographic
location, Product, and Industry wise credit segmentations
- Periodic presentation for Central Committees & respective meeting minutes
- Analysis of financial statements of large borrowers
- Client-based and Product-based Credit Risk Rating
- Analytical working for Collateral Charge No Objection Certificate (N.O.C)
proposals and recommendations
- Collateral MIS management
- Country Risk Rating & Exposure Reporting
- Stress Testing of Credit Portfolio
- Implementation of Regulatory guidelines pertaining to Credits & Credit Risk
- Participate in policy recommendations and develop departmental manuals
Management Trainee (Sept 2011 – Apr 2012)
Rotations in different departments including Treasury, Trade Operations, Risk
Management Department, Branch Banking, Financial Institutions & International
Division, Audit Division, Credit Division, Corporate & Commercial Lending Unit,
Credit Administration Department (CAD), Collateral Management Department,
Special Asset Management Unit.

3. Personal:
D.o.B: Dec. 31st
, 1987
Nationality: Pakistani
Status: Married
Language: English & Urdu
Interests:
Current Affairs & Articles
Social Networking
Sports & Gaming Zones
References:
Will be furnished on demand
A.B. Engineering Pvt. Ltd (ABE) Sept 2008 - Aug 2009
Having expertise in manufacturing of auto parts and accessories, A.B. Engineering
is the largest vendor of Indus Motors-Toyota Pakistan. Their processes qualify the
standards of Indus Motors-Toyota Pakistan.
Assistant Manager – Accounts & Imports
- Manage imports related documentation including Letter of Credits for
importing raw materials from South Korea & Japan.
- Forecast future demand for imports while coordinating with client to keep the
stock at optimum inventory level.
- Manage company accounts with banks, vendors and client; reconcile them
periodically.
- Prepare periodic reports and presentations on industry outlook and business
performance.
Marine International Container Terminal (MICT) Jul 2010 - Jun 2011
MICT is a sister concern of Marine Group of companies and manages sizable
business of transportation by sea at Karachi Port Trust. One year project of
“Financial Feasibility & Market Determination of Dry-Port” was undertaken as
External Consultant. This project was a part of MBA academic studies.
Internships:
RBS Bank: 6 weeks internship in Global Transaction Services Unit – Head Office
Bank Al-Falah: 6 weeks internship in Trade Operations Department – Head Office
Union Bank of Pakistan: 6 weeks internship in Credit Card Operation Department
Educational Qualification:
Masters of Business Administration (MBA) – Finance Aug 2009 - Jul 2011
Institute of Business Administration (IBA), Karachi
Achievement: 1st
Position, Gold Medalist with CGPA 3.64 (89% marks)
Masters of Science (M.Sc) – Economics Jan 2008 - Dec 2008
University of Karachi, Karachi
Achievement: 2nd
Position, CGPA 3.90 (79% marks)
Bachelors of Science (B.Sc) Hons – Economics Jan 2005 - Dec 2008
University of Karachi, Karachi
Achievement: 1st
Position, CGPA 3.54 (77% marks)