Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
Generic

Muhammad Adeel Younas

Risk Product Manager
Lahore

Summary

8 years of experience in developing the security controls,into a business environment that has minimized , operational loss, revenue leakage, social engineering, and improve process's for digital financial services(Fintech).

Overview

9
9
years of professional experience

Work History

Senior Risk Manager

Digitt+ Akhtar Fuiou Technologies (AFT)
Lahore
03.2023 - Current


  • Developed short-term goals and long-term strategic plans to improve risk control and mitigation for Digitt+ APP.
  • Part of product team s to deign loan management system
  • Encouraged stakeholders to approach assessments analytically and offer unique insights to bring new understanding to risk management programs.

Risk Manager

JS Bank LTD (Zinidigi)
Lahore
09.2021 - 03.2023
  • Development of a data dashboard for the fraud risk team to understand transactional trends and perform analysis
  • System development for risk system from end-end product life cycle from concept to final rollout
  • Embedding the risk culture into the digital financial services segment of banks to make sure all business units are aware of risks related to business and those risks are highlighted, mitigated, and documented
  • Implementation of controls in mobile wallet APP, to improve user journey in terms of security to help business growth.

Risk Product Manager

Digital Mobile Wallet, Telenor Microfinance Bank
Islamabad
09.2014 - 09.2021
  • As a risk & product manager for the easypaisa risk function, I have designed the solution for the risk function to implement and integrate Alipay’s risk system into the easypaisa APP.
  • This system enables risk function: To reduce social engineering fraud by 98% from 200 daily average fraud complaints to under 10 daily complaints and enhance customer trust in Easypaisa APP
  • Identified the revenue leakage of 3.2 million PKR and mitigate the loss to zero amount Detection & shutting down of clone & virtual environment for easypaisa APP that was causing the creation of fake accounts that save easypaisa from the potential fine from the regulator
  • Redesigned the APP onboarding journey has improved the acquisition of new customers by 10%
  • Secured customer data by identifying the loopholes & building controls in the database
  • Implementation of internal control on easypaisa channels to claw back undue commission of 6.8 million PKR due to campaign/MA abuse in the retail channel
  • Highlighted key risk to Bank’s leadership team (LT), by maintaining risk register for branchless banking that assist LT to keep in create solution & track to mitigation status of all solution associated with branchless activities
  • Implementation of RCSA in easypaisa operations to identify & record key risk indicator (KRIs) that has ensured appropriate controls are in place to mitigate those risks and to quantify the level of residual risk once all necessary controls are in place
  • Updated the CAMP, BCP, IT Governance (EGTRM), RAF policies to ensure all best practices are implemented in easypaisa to meet regulation & avoid any potential operational loss in the case where risk event occurs
  • Managed the research base lending project for private schools in rural Punjab to provide lending facilities.

Education

ACCA Affiliated - Financial Management

Kpalan Financial
Nottingham
04.2001 -

Skills

undefined

Accomplishments

  • Certified ANT Financial Risk Analyst L1
  • Certified ANT financial EXPERT in Product
  • TOP start for easypaisa Risk team year2020

Timeline

Senior Risk Manager

Digitt+ Akhtar Fuiou Technologies (AFT)
03.2023 - Current

Risk Manager

JS Bank LTD (Zinidigi)
09.2021 - 03.2023

Risk Product Manager

Digital Mobile Wallet, Telenor Microfinance Bank
09.2014 - 09.2021

ACCA Affiliated - Financial Management

Kpalan Financial
04.2001 -

Similar Profiles

CREATE PROFILE
Muhammad Adeel YounasRisk Product Manager