Abid Shah
Senior Vice President-I/Senior Credit Officer/Divisional Head Basel & Credit Risk Management
Peshawar
Summary
Senior Banking Professional with major areas of expertise in Basel Implementation & Regulatory Reporting, Credit Risk Review & Management, Credit Modelling, Enterprise Risk Management & IFRS-9 Implementation.
Overview
18
18
years of professional experience
2
2
years of post-secondary education
4
4
Certifications
Work History
Divisional Head Basel Implementation & Credit Risk Management/Senior Credit Officer (SCO)
Bank of Khyber (BoK)
01.2022 - Current
- Ensuring timely and accurate reporting and disclosure of Basel-related information including Capital Adequacy Ratio (CAR), Leverage Ratio (LR), Liquidity Coverage Ratio (LCR), Net Stable Funding Ratio (NSFR), Stress Testing Results to regulatory authorities, investors, and other stakeholders
- Developed and implemented the bank's credit risk management policy in alignment with its overall business objectives, risk appetite, and regulatory requirements
- Reviewing the assessment of credit risk associated with lending activities, including evaluating the creditworthiness of borrowers, assessing the quality of collateral, and analyzing the financial viability of proposed transactions
- Monitoring and managing the bank's credit portfolio to ensure a balanced and diversified risk profile
- Setting appropriate risk limits, concentration limits, and exposure thresholds based on the bank's risk appetite and regulatory requirements
- Holding delegated authority from Board & Senior Management as a SCO to approve credit transactions within specified limits, including new loans, renewals, modifications, and extensions of credit facilities, in accordance with credit risk management policy of the bank
- Providing leadership, guidance, and mentorship to credit risk management professionals within the organization
- Fostering a culture of continuous learning, professional development, and knowledge sharing to enhance the team's capabilities and performance.
Officiating Chief Risk Officer/Group Head Risk Management
Bank of Khyber
11.2023 - 08.2024
- Administered end-to-end activities within Risk Management Group including Credit Risk Reviews & Approvals, Culmination of Post-Sanction formalities and documentation & Enterprise Risk Management
- Supervised the development of Risk Appetite Statement & Integrated Risk Management Framework combining all key risks under a single document with proper monitoring mechanism in shape of Key Risk Indicators with Management Action Triggers (MAT) & escalation matrices for Board & Senior Management
- Reviewed, assessed and approved financing proposals falling within the approving powers of CRO and/or guided the senior level credit committees for taking various credit decisions
- Remained as a Key Member of various management level committees with active participation while providing feedback on critical matters of risk management and strategic importance
- Convened regular meetings of Board Risk Management Committee (BRMC) while presenting members with portfolio analysis of credit, market, liquidity, operational & other material risks.
Secretary- Management Risk Committee (MRC)
Bank of Khyber
02.2022 - Current
- Acting as a secretary of the committee convening & scheduling regular meetings of the committee to discuss and deliberate; Formulating comprehensive risk management strategy incorporating strategies to manage credit, market, operational and other material risks
- Reviewing and adding its recommendations to BRMC for approval of bank's overall risk appetite, exposure limits, concentration limits, internal risk rating limits etc
- Reviewing the key risk exposures, concentrations, trends, industry outlook and quality of bank's overall portfolio and communicate the corrective measures/mitigants to various business units and/or seeking guidance from BRMC on matters requiring board's oversight.
Project Manager IFRS-9 Implementation
Bank of Khyber
10.2018 - Current
- Developed a comprehensive project plan outlining the key activities, milestones, timelines, and resource requirements for implementing IFRS 9 across the organization
- Developed a comprehensive policy covering various aspects of the standard including assessment of business model, SPPI test, Criteria to assess Significant Increase in Credit Risk (SICR) etc
- Developed a comprehensive procedural manual translating the policy guidelines into actional items covering approaches used to develop Through the Cycle (TTC), Point in Time (PiT) Probability of Default (PD), Loss Given Default (LGD) & Credit Conversion Factor (CCF) Models for classification and measurement of financial instruments as per requirements of IFRS-9 standard
- Coordination with various stakeholders including Internal, External & State of Pakistan (SBP- Regulator) for reviewing & validation of the models and calculation of Expected Credit Losses (ECL).
Head Credit Risk Management Department
Bank of Khyber
02.2016 - 01.2022
- Conducted Credit Risk Review, assessment and approval of Conventional & Islamic credit propositions
- Reviewed new financing products from a credit risk standpoint while proposing/recommending changes in light of credit risk policy of the bank
- Evaluation of Internal Risk Rating Score Cards as part of credit risk proposal put-forwarded by the business unit while making necessary changes/amendments (whenever required)
- The rating assigned/finalized by credit risk team was considered to be final
- Independently reviewing the loan performance over time such as repayments, collateral coverage, compliance with loan covenants, ratings migration over time and adequacy/ accuracy of rating assigned, industry performance and assessing the supporting documentation and rationale while allowing renewal, enhancement, restructuring, rescheduling & write-offs credit proposals.
Head Basel Implementation & Portfolio Analytics Department
Bank of Khyber
07.2013 - 02.2016
- Developed a comprehensive strategy and roadmap for implementing Basel regulations for CAR, LR, LCR, NSFR, ICAAP & Stress testing ensuring alignment with regulatory requirements, business objectives and risk appetite
- Supervised development of an effective Internal Credit Risk Rating system and Score Cards for Corporate, Small & Medium Enterprises (SMEs), Agriculture, Consumer & Microentrepreneurs segments of the bank
- Conducted end-to-end validation and back-testing of internal risk rating score cards for authenticating their relevance and accuracy over time
- Developed and supervised an effective portfolio management function/framework responsible for limit setting, portfolio review/ monitoring and exception reporting to senior management and board
- Ensuring Compliance with observations raised by Internal, external and regulatory inspection teams within the stipulated timeframe
- Conducted various in-house training to relevant staff to get them equipped with general understanding of Basel guidelines and various data requirements of regulatory reporting.
Head Operational Risk Management Department
Bank of Khyber
04.2014 - 08.2016
- Developed operational risk management policy and procedural framework for the bank as per revised regulatory guidelines and industry best practices
- Developed methodologies and tools for quantifying operational risks, including Key Risk Indicators (KRIs), Risk Control Self Assessments (RCSAs), Loss Data Analysis and scenario analysis for various key segments/functions of the bank
- Implementation of proper control & mitigants in light of the results & outcome of KRIs, RCSAs, Operational Loss data & Scenario Analysis
- Established processes and procedures for reporting, investigating, and managing operational incidents and losses
- Ensure that lessons learned from incidents are captured and used to improve risk management practices.
Assistant Manager- Risk Management Division
Askari Bank Ltd
03.2009 - 06.2013
- Accomplished automation of various regulatory ratios & Assets Liability Management (ALM) Modules as a project Manager for an Oracle Enterprise Risk Management Solution for the bank
- Supervised the overall calculation of various regulatory reports of Capital Adequacy Ratio (CAR), Leverage Ratio (LR), Liquidity Coverage Ratio (LCR), Net Stable Funding Ratio (NSFR), Stress Testing & Internal Capital Adequacy Assessment Process (ICAAP) as per regulatory requirements
- Developed a PD Model using Logistic Regression for Corporate/Commercial/SME borrowers of the bank
- Developed an effective transitional plan for moving towards Foundation & Advanced Internal Rating Based Approaches as per Basel guidelines
- Assisted my supervisor in developing an initial framework document for ICAAP as per regulatory instructions and expectations
- Conducted various post-facto credit risk reviews of Corporate & Commercial credit portfolios of the bank.
Management Trainee Officer (MTO)
Askari Bank Ltd
11.2007 - 03.2009
- Remained as a General Banking Officer (GBO) responsible for executing various branch banking activities including account opening, cash receipts & payments, remittances, clearing of cheques etc
- Remained as a Foreign Trade Officer with posting in one of bank's major trade branch in Karachi Pakistan
- Executed various foreign trade transactions including issuance of import LCs, discounting of LCs, Scrutiny of import of documents, preparation of SWIFT messages for LCs
- Worked as a an analyst in foreign trade hub/factory of the bank in both export and import departments
- Acted as a Relationship Associate in a Corporate branch of the bank with responsibilities to perform call/customer visits, preparation of credit proposals and other related requests of large corporate clients of the bank.
Assistant Business Analyst
International Credit Information Ltd (ICIL)
02.2007 - 11.2007
- Independent business evaluation of various SME borrowers while preparing their Income Estimation & Business Information Report for further necessary action of various banks
- Preparation of Search Reports of Limited Companies from the record of Security & Exchange Commission of Pakistan (SECP)
- The report is widely used by banks for assessing and analyzing various charges/encumbrances over fixed and current assets of the companies by Financial Institutions (FIs)
- Conducted and published sectoral analysis of various critical sectors of the economy.
Education
Master In Business Administration (MBA)- Finance -
Institute of Management Studies (IMS), University of Peshawar
01.2004 - 05.2006
Skills
Analytical
Certification
Junior Associateship- Institute of Bankers Pakistan (JAIBP)
Conferencesandcourses
- Comprehensive classroom trainings on General Banking, Foreign Trade & Credit Assessment, Training Wing of Askari Bank Ltd., 11/2007, 03/2009
- Training of Trainers (ToT), Mera Maan
- Credit Risk Modelling & Assessment, National Institute of Banking & Finance
- Training on Basel III Implementation, Institute of Bankers Pakistan
- Operational Risk Management Framework, Bench Matrix Pakistan
- Implementation of Islamic Financial Services Board (IFSB) Standards, Islamic Financial Services Board & State Bank of Pakistan
Languages
Urdu
Proficient
C2
Pushto
Proficient
C2
English
Proficient
C2
Arabic
Elementary
A2
Projects
- Reveleus- An Oracle Enterprise Risk Management Solution,
Successfully implemented Market Risk VaR and Basel II Standardized Module of Reveleus ERM Solution in Askari Bank.
- Core Banking Software Implementation- Temenos T24,
Active member & represented risk management in Core Banking Software – T-24 implementation team. Successful implementation of T-24- A state of the art Core
Banking Solution in Bank of Khyber.
- Financial Risk Management Module- T24,
Active member of the project team responsible for automation of various regulatory risk reports including CAR, LCR, NSFR etc.
Timeline
Officiating Chief Risk Officer/Group Head Risk Management
Bank of Khyber
11.2023 - 08.2024
Secretary- Management Risk Committee (MRC)
Bank of Khyber
02.2022 - Current
Divisional Head Basel Implementation & Credit Risk Management/Senior Credit Officer (SCO)
Bank of Khyber (BoK)
01.2022 - Current
Islamic Banking Certificate Course- National Institute of Banking & Finance (NIBAF)
11-2020
Certified Financial Risk Manager (FRM) from Global Association of Risk Professionals (GARP)
12-2018
Project Manager IFRS-9 Implementation
Bank of Khyber
10.2018 - Current
Head Credit Risk Management Department
Bank of Khyber
02.2016 - 01.2022
Associateship- Institute of Bankers Pakistan (AIBP)
12-2014
Head Operational Risk Management Department
Bank of Khyber
04.2014 - 08.2016
Head Basel Implementation & Portfolio Analytics Department
Bank of Khyber
07.2013 - 02.2016
Junior Associateship- Institute of Bankers Pakistan (JAIBP)
12-2010
Assistant Manager- Risk Management Division
Askari Bank Ltd
03.2009 - 06.2013
Management Trainee Officer (MTO)
Askari Bank Ltd
11.2007 - 03.2009
Assistant Business Analyst
International Credit Information Ltd (ICIL)
02.2007 - 11.2007
Master In Business Administration (MBA)- Finance -
Institute of Management Studies (IMS), University of Peshawar
01.2004 - 05.2006
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