1. Faisal Aftab
th
2-A/1, 14 South Street, DHA, Phase 2, Karachi-75500
Res: 0092-21-35382347 Cell: 0092-333-2177697
E-mail:
faisalhaftab@gmail.com
Objective
To work in a professional environment and utilize IT skills in an efficient manner while
carrying out diverse tasks.
Employment History
Head of Risk Policy – Risk Division.
April 2011 onwards - Tameer Microfinance Bank Ltd., Karachi
Reporting to the Head of Risk, current responsibilities include:
• Management of all risk policy related issues
• To ensure that Risk Policy is within the ambit of SBP prudential regulations for
microfinance
• Regular review of risk behavior data by product and geography to assist in
amending features and guidelines for risk acceptance by product and by geography,
to ensure better performance of the portfolio
• Analysis of the RCC risk management function in terms of sample sizes for review
and verification
• Periodic stress testing of the overall portfolio as well as specific cuts of the portfolio
to better understand the expected portfolio behavior in the face of adversity. This
would allow the bank to review / rebalance product mix as well as geographic mix to
improve the ability to manage downside risk
• Review of all existing risk policies and recommendations to amend them in light of
practical experiences and learning
• Development of an ORMU framework that identifies Key Risk Indicators (KRIs) that
must be reviewed to access the operations risk of processes, departments and bank
branches
• Providing credit risk and operational risk review on all product programs
• Coordination with Business, Product and other departments in order to obtain
feedback and recommend changes to the existing guidelines/processes
Head of Review Credit Committee – Credit Risk Management Dept.
August 2006 – March 2011 - Tameer Microfinance Bank Ltd., Karachi
Reporting to the Head of Risk, initially joined Tameer Bank as Manager Credit
Administration. Following tasks are carried our under my direct supervision:
• Pre-disbursal scrutiny of loan applications
• Post-disbursal review of loan applications (Quality Control)
• Analysis of application data

2. • Identification of vulnerabilities that the organization may be susceptible to
• Design and implementation of controls to minimize losses
• Preparation of guidelines (in line with the company risk policy) for each loan product
• eCIB queries & monthly reporting of active borrower data to SBP
• Feedback to business/sales for improving their processes
As the Head of RCC (Review Credit Committee) & Field Verification, interaction with the
members/staff regarding any shortcomings in the loan applications, their resolution and
measures to avert such discrepancies in future.
Officer Consumer Finance (Auto Loans)
August 2004 – June 2006 - Faysal Bank Ltd., Karachi
Processing of corporate / individual applications for existing / new clients to facilitate
disbursement of Sharia’a compliant modes of financing i.e. Ijara and Murabaha.
IT instructor
April 2002 – May 2004 - IQRA Education System, Karachi
Hands-on training of Relational Database Management Systems i.e. Oracle 8.
Database Application Developer
July 2000 – August 2001 - Ailya Tech Systems, Karachi
Design, development and implementation of an Inventory and Accounting Information
System utilizing Oracle 8 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
Design, development and implementation of a:
> Student Information System
> Library Information System
for Pakistan Navy Engineering College at PNS Jauhar, Karachi utilizing Oracle 7 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
• Initially joined the company as a Junior Officer in the Motor Vehicle Claims Department
and assisted Manager Claims to do correspondence with the clients and valuators till
final settlement of each claim.
• Acquired considerable experience in tackling legal issues with reference to the lodged
claims
• Worked in the Administration Department as an Administrative Officer where main job
responsibility was to maintain personnel records in the company database system.
Workshops Attended
• “Account opening & money laundering” conducted on 14-OCT-2004 at Faysal Bank
Ltd., Gulshan-e-Iqbal Branch, Karachi
• “Stress management at work” conducted on 09-DEC-2004 at Faysal Bank Ltd.,
Gulshan-e-Iqbal Branch, Karachi

3. • “Rental recovery” conducted on 19-MAR-2005 at Faysal Bank Ltd., Shahrah-e-Faisal
Branch, Karachi
• “Lease termination” conducted on 25-MAR-2006 at Faysal Bank Ltd., Shahrah-e-Faisal
Branch, Karachi
• “Effective credit management” at The Institute of Bankers Pakistan, Karachi
(Dec 04, 2006 – Dec 09, 2006)
• “Understanding credit risk models” at The Institute of Bankers Pakistan, Karachi
(Sep 12, 2007 – Sep 13, 2007)
• “Leading your team & motivating people” at Tameer Microfinance Bank Ltd., Karachi
Conducted by Integrated Management Consultancy (under the auspices of International
Finance Corporation)
(Dec 01, 2008 – Dec 03, 2008)
• “eCIB system training” at State Bank of Pakistan, Karachi
(Aug 10, 2009 – Aug 13, 2009)
• “Stress Testing: Concept & Guidelines for Risk Management” at The Institute of
Bankers Pakistan, Karachi
(Aug 27, 2009)
Training Imparted
• “Credit Risk Procedures & Implementation” at State Bank of Pakistan – Learning
Resource Centre on 5th August 2011
• “Delinquency Management & Credit Risk” at State Bank of Pakistan – Learning
Resource Centre on 30th March 2011
Education
> M.A.(Economics) - 1993 from University of Karachi
> B.A.(Hons) in Economics - 1992 from University of Karachi
> H.S.C - 1988 from Board of Intermediate Education, Karachi
> GCE ‘O’ Level - 1983 from Habib Public School, Karachi
Additional Qualification
> Developer 2000 - Build Forms I in 2001, Oracle Corp
> Introduction to Oracle: SQL and PL/SQL in 2001, Oracle Corp
> Diploma in Oracle from Pakistan Navy Engineering College, 1999
> Certificate Course in Stats & Maths for Management from IBA, 1986
Computer Skill
> Knowledge of Windows and Linux environments
> Able to formulate queries using SQL
> Hands-on experience of mySQL and php
References
Available on request