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Work experience

Aug 2008Present

In-Charge Credit Admin/ Finance

AlBaraka Bank Pakistan Limited

Financial Modeling of Car Leasing (Ijarah) Policy, Establishment of Credit Administration at Regional level, implementation of policies and procedures.


1. Yield

Preparation of  Yield on Assets and Liabilities

Yield and Core Spread Analysis

2. Budgeting

3. Preparation of Monthly Revenue of Region

4. Asset and Liabilities Audit Co-ordinating

5. Financial Reporting

Credit Administration:

1. Rescheduling/ Restructuring

Mortgage Loans (Musharika)

 Car Leasing (Ijarah)

 Working Capital Finance (Murabaha)

2. Registration of Mortgages/ Charges in Securities Exchange Commission of Pakistan

3. Govt. Subsidies/ Relief Packages Calculation and Submission 

4. Pledge of Stocks

5. Securities

6. Credit Reporting to State Bank of Pakistan and Other relevant department

7. Classification and Provisioning of Loans/ Assets

8. Past dues follow up

9. Non Performing Loans

10. Litigation Cases

Mar 2007Aug 2008

Officer Credit Marketing

AlBaraka Islamic Bank (B.S.C) E.C

Credit Marketing Department:

1.Structuring Finances

2. Prepare Credit Application

3. Prepare Spreadsheets

4. Industry Analysis

5. Financial Analysis


May 2004Jun 2006

B.Com IT

University of Central Puntab


Presently a Credit and Finance Professional having handsome Experience in Banking Industry at both Branch and Regional Level. Well versed with Financial Modeling.


1. Book Reading

2. Snooker

3. Cricket

4. Table Tennis




Financial Analysis
Ms Office Applications
Financial Modeling
Interpersonal Communication