Highlights:

Skills:Finance, Risk, Analysis, Financial Planning, Due Diligence

Chief Risk Officer 12/2011 - current
The First MicroFinance Bank Tajikistan, Dushanbe, Tajikista
Industry: Financial Services
• Plan, develop, organize, implement, direct and evaluate the organization's risk management department and function. • Ensure that market, credit and operational risks are identified, analyzed and managed • Formulate risk management policies within the risk tolerance levels set by the RM Committee • Measure & monitor performance and report levels of exposure for risk management committee • Participate in the development of the FMFB's strategic plans and programs from the perspective of the impact of strategy and business planning on FMFB’s risk profile.
• Planning, developing, organizing, implementing, directing and evaluating the organization's risk management department and function. • Monitoring and assessing the adequacy of the Capital ensuring that risk exposure is maintained at prudent levels and consistent with available/ planned capital; • Ensuring that market, credit and operational risks are identified, analyzed and managed • Recommending limits in respect of credit, market, liquidity and operational risks under various types of products, activities, exposures etc • Formulating risk management policies within the risk tolerance levels set by the Risk Management Committee • Measuring and monitoring performance; aggregating and reporting levels of exposure and results of risk management efforts. • Participating in the development of the FMFB's strategic plans and programs from the perspective of the impact of strategy and business planning on FMFB’s risk profile. • Building a risk awareness culture within the organization including appropriate training for Risk Management, Support and Business functions • Ensuring that Bank’s risk profile is reported accurately and coherently to the senior management and the board’s risk committee • Coordinating with the Compliance, Internal Audit Departments, Regulators and External Audit on all areas related to risk.--
Chief Financial Officer 12/2009 - 12/2011
The First MicroFinance Bank Tajikistan, Dushanbe, Tajikista
Industry: Financial Services
A seasoned and tested professional possessing a broad range of knowledge and a leadership background in financial and strategic planning, accounting, reporting, corporate finance, financial analysis, risk management and administration arenas in banking and microfinance industries. Six years of extensive experience in corporate and investment banking environment in Pakistan serving financial management and business planning. Five years of all-embracing practice in Microfinance and Banking in Tajikistan under the scholarly and cultured umbrella of AKAM, AKF, IFC and KfW.
• Supervised the Finance and administration functions of the Bank (budgeting, accounting, financial management, administration and audit) • Participated in the Strategic & Financial Planning process of the Bank in liaison with senior management at Aga Khan Agency of Microfinance based in Geneva • Supervised preparation of long range financial plans (5 years), annual budgets and forecasts • Carried out the strategic financial planning and budgeting for the Bank in liaison with senior management at Aga Khan Agency of Microfinance – Geneva, for four consecutive years • Accomplished the requirements of Board of Directors for monthly BoD reporting, performance analysis, forecasts and annual budget reviews • Designed management accounting models for effective and efficient analysis & reporting • Coordinated the due diligence exercises with foreign funding institutions such as EBRD, IFC, KfW, BlueOrchard, Deutsche Bank, responsAbility, Tirple Jump, OikoCreidt, Triodos and DWM • Represented the Bank in various seminars, conference and trainings • Devised and implemented policies and procedures for effective utilization of resources and design monitoring and control including regular variance reporting • Managed, trained, evaluated and supervised the Chief Accountants, Management Accountants, Admin Manager (as direct reports) and supervised, trained, developed, allocated and rotated finance and administration staff • Oversaw the Asset and Liability management, Planning and organizing the Bank's Risk Management function as a member of ALCO • Analyzed and advised on operational risks as Member HR Committee and IT Committee • Advised and assisted treasury function of the bank for effective and efficient fund management • Advised & coordinated the implementation of new MIS for the Bank • Advised on, planned and executed the strategies to achieve maximum output & social impact • Organized internal and external audits of the Bank • Coordinated regulatory inspections and audits by government authorities--
Head of Management Accounting 01/2008 - 12/2009
The First MicroFinance Bank Tajikistan, Dushanbe, Tajikista
Industry: Financial Services
Designed Strategic Business Planning, Management Accounting and Financial Analysis systems in the bank Carried out the strategic financial planning and budgeting for the Bank in liaison with senior management at Aga Khan Agency of Microfinance – Geneva, for four consecutive years Analyzed and prepared the reports for senior management and BoD on monthly basis
• Successful Finance Partnering with all Divisions for strategic plans and budgets, ensuring relevant budget assumptions are followed, along with the production of detailed analysis and commentary backing up the budget and forecasts for four continuous years (2008 to 2012) • Designed Strategic Business Planning, Management Accounting and Financial Analysis systems in the bank (Please refer to Linked-In recommendation by the former CEO of the Bank) • Supported business decisions with the right analysis, insights and judgments so that better decisions are made at the line management level. • Coordinated the due diligence exercises with foreign funding institutions such as Analyzed and prepared the reports for senior management and BoD on monthly basis • Led the Central Reporting unit conducting due diligence exercises and preparing reports for Aga Khan Agency of Microfinance, IFC, KfW, EBRD, BlueOrchard, Deutsche Bank, responsAbility, Tirple Jump, OikoCreidt, Triodos and DWM • Dealt with the affairs of financial accounting as acting Chief Finance Officer (CFO) and Liaison with external auditors from A. F. Ferguson an associate of Price Waterhouse Coopers • Participated in strategic interactions with IT, HR and Operations to support CEO on financial implications--
Visiting Faculty Member 09/2006 - 04/2007
COMSATS Institute of Information Technology Islamabad, Islamabad, Pakistan
Industry: Education
Teaching and training Management Accounting
Teaching, Coaching, Training Management Accounting to undergrad students.--
Officer Management Accounting 09/2002 - 12/2007
SME Bank Ltd., Islamabad, Pakistan
Industry: Financial Services
• Designed and Implemented Management Accounting and Financial Analysis Systems at the Bank • Finance Business Partner for investment banking, conducing analysis and preparing monthly management accounts and financial analysis. • Prepared short term/Long term business Plans and forecasts and annual budgets for five years (involving more than 80 branches) by business partnering approach • Prepared five year plan of the bank in cooperation with consultants of Bankackademie now Frankfurt School of Finance and Management (appointed by Asian Development Bank).
• Successful accomplishment of the task of finance partnering with all Divisions on the subject of the production, collation and timely delivery of the divisional budget and forecasts, ensuring relevant budget assumptions are followed, phased budget templates are completed, along with the production of detailed analysis and commentary backing up the budget and forecasts for five continuous years (2002 to 2007) • Finance Partnering with IT in producing the required information from Oracle systems by assisting in preparation of a tool retrieving online information for the budgetary variance analysis. • Successful completion of business plans and budgets on timely basis achieved as a finance business partner, providing tactical financial support (for example with budgets, planning and analysis) to all line managers resolving problems, reconciling differences, tailoring reports to the line managers’ requirements and nurturing the long term strategic alignment. • Successfully trained the key stakeholders in matters relating to financial management, compliance and processes so that stakeholders are able to understand and fully contribute to the production of financial information as well as to the transparent financial management • Monitored compliance with budgeted fund approvals through cost center wise compliance/variance reports to ensure consistent controls and practices at all divisions including IT, HR and Operations • Prepared presentations for BoD on Quarterly & Annual Accounts and Annual Budgets--
Trainee 06/2001 - 09/2002
Deloitte (Pakistan), Islamabad, Pakistan
Industry: Accounting and Auditing Services
My attachment with the firm, under bye-laws of Institute of Chartered Accountants of Pakistan, covered multifaceted concerns ranging both Public and Private sectors of the economy. Areas of my professional training included, Auditing, Reporting and Bookkeeping in sectors such as Banks, Limited Companies, Funds/Trusts, Non-Profit organizations and Manufacturing concerns
Areas of my professional training included, Auditing, Reporting and Bookkeeping in sectors such as ; • Banks: ADBP (13 branches) and Islamic Investment Bank (Annual Audit)) • Limited Companies: Telephone Industries of Pakistan Pvt. Ltd. (Annual Audit- Twice), Gas Power Pvt. Ltd. (Annual Audit), National Insurance Company Limited (Annual Audit) • Funds/Trusts: International Islamic University (Fund) and Fouji Cereals (Fund assignment) • Non Profit Organizations: United States Educational Foundation (fixed asset assignment), American Institute of Pakistan Studies (Audit), National Book Foundation (Audit) • Manufacturing Concern: Rastgar Engineering Company Pvt. Ltd.(Audit)--

Institute of Chartered Accountants of Pakistan 09/1999 - 05/2001
Islamabad, , Pakistan
Degree: Associate's Degree
Major:Accounting and Auditing
Passed C.A Intermediate. I could not appear in Professional Examination as I did not complete the training of four years with a Chartered Accountant firm

Director Finance Finance
Financial Planning & Analysis Finance