Farrukh Rehman
Dubai,UAE
Summary
Experienced professional with expertise in credit management, trade finance, and export and import financing, complemented by a strong foundation in risk management, compliance with regulatory standards, and digital transformation. Demonstrates proficiency in process re-engineering, automation, and core banking systems such as Oracle and Silverlake Axis, alongside trade finance system integration. Skilled in business requirement gathering, functional requirement gathering, product management, process modelling, UAT planning and execution. Adept at leadership, strategic planning, team mentoring, cross-functional collaboration, stakeholder engagement and representation. Committed to driving operational excellence through innovative solutions while aligning with organisational goals.
Overview
19
19
years of professional experience
2
2
years of post-secondary education
Work history
Business Analyst: Lending, Trade Finance (CBS/LOS)
SILVERLAKE AXIS
06.2023 - 03.2025
- Selected by the Organization's Principal office to provide support for the Core Banking system's Lending Module, of the Country's top tier Banks including United Bank Limited, MCB Bank Limited and Faysal Bank Limited (FBL) Islamic Bank
- Responsible for analyzing and managing the Loan Origination System (LOS) for International Client's Corporate, SME and Retail clients
- Responsible for analyzing and verifying FBL Bank's data concerning Lending, Trade and Limit modules as part of the CBS upgrade project
- Collaborated with business and technical stakeholders to gather and translate complex banking requirements into comprehensive BRDs and FSDs
- Led User Acceptance testing (UAT) planning and execution, ensuring successful deployment within aggressive timelines
- Lead reviews with business on system stability, responsiveness, production incident and problem tickets including identification of critical root cause
- Investigated client reported issues, reproduced in testing environments & worked with development teams within the agile framework to ensure timely resolutions
- Created process models and process workflows to optimize Corporate, SME and Retail banking operations
- Conducted Quality Assurance & validation before deploying fixes to production
- Assigned an additional responsibility to consult with prospective Clients, identifying their banking needs and offering customized solutions
Unit Head - AVP: Regional Credit Operations Unit, RCOU (South Region)
ASKARI BANK LIMITED
09.2016 - 06.2023
- Selected by the Top Management of Bank comprising of over 600 branches network, to lead the Program Management for establishment of Credit Operations department
- Developed and implemented Credit, Trade Finance, CAD management strategies, managing a portfolio valuing at PKR 200 billion across Corporate, SME & Retail clientele
- Led by examples a Team of Ten members including Credit Officers and Two Team Leaders
- Proven Track record as RCOU Successfully managed to achieve consecutive 'Good' Audit Rating every year since inception of the Unit
- Collaborated with cross-functional teams to ensure seamless integration of Credit, Trade Finance, CAD operations and adherence to risk management & compliance requirements
- Successfully implemented the Bank's decision to centralize Credit Operations across Pakistan and establishing RCOU South as a Top paradigm
- Assisted Head Office in Product Management, formulating and implementing S.O.P and W.I for Lending, Trade Finance and CAD Operations
- Led business requirement gathering, conducting UAT for product management and collaborated with IT teams to enhance credit and trade finance systems
- Collaborated and guided ITG reporting teams in developing and optimizing reports to enhance unit operations and decision-making
- Guided the CAD-H.O in managing and monitoring Credit Limits and Collaterals
- Performed on-site inspections to verify the quantity, quality, condition and compliance of pledged goods with banking and regulatory requirements
- Guided Digital Banking Division for digital enhancements in Mobile Banking & Internet Banking pre-launch, ensuring seamless functionality & enhancing UX
- Developed and executed strategies to scrutinize Credit Portfolio, ensuring effective control over Income leakages and timely recovery of dues/over-dues
Team Leader (Functional/Business Analyst) Oracle Flexcube, FCUBS
ASKARI BANK LIMITED
03.2011 - 08.2016
- Responsible for implementing and ensuring smooth functioning of Lending, Trade Finance, Treasury, TB, FX, CAD, Collateral, Limits management for Corporate, Commercial, SME & Retail segments on new Core Banking platform, Oracle Flexcube
- Proven track record in successfully implementing and managing FCUBS from Go-Live Version, rollout and upgrade for the entire bank within an Agile project framework
- Collaborated with System Integrator M/s Techlogix on Product Management, configuring, and conducting UAT and testing of banking products in Flexcube, adhering to Agile methodologies for iterative development and feedback
- Led UAT for Flexcube upgrades, ensuring compliance with regulatory standards
- Analyzed the entire Lending & Trade Finance portfolio of the branches/units during the migration from Bank's Legacy accounting-based system to Flexcube
- Worked within Agile project teams to identify and resolve reported issues, providing timely solutions
- Tested vendor-provided fixes before implementation
- Provided online Live support to Branches and Units across the entire Bank
- Prepared and maintained operational procedures & protocols related to Flexcube
- Responsible for providing progress reports and delivering presentations on the Project during periodical meetings with Senior Management of the Bank
Team Leader/Senior Relationship Manager/Relationship Manager
ASKARI BANK LIMITED
01.2008 - 02.2011
- Deputed to Askari Bank's Main Branch at I.I
- Chundrigar Road as Relationship Manager, subsequently promoted to Senior RM & Team Leader
- Managed Credit Portfolio and conducted Credit Risk assessments for Corporate, Commercial & SME Clients, totaling PKR 20 Billion
- Prepared financing proposals, conducted financial analysis for approval by RMG
- Ensure compliance with regulatory requirements, including AML and CFT risk assessments, reporting and regulatory filings
- Assigned Business Development responsibilities for acquiring new clients and enhancing productivity of existing portfolio through effective sales/cross-selling
- Assigned an additional role as Credit Underwriter in the Credit Approval Committee for a portfolio valued up to PKR 1.00 Billion
Management Trainee (Batch-X)/ Credit Officer
ASKARI BANK LIMITED
06.2006 - 12.2007
- Company Overview: a leading Private Bank
- Joined Askari Bank Ltd
- A leading Private Bank in June, 2006 as Credit Officer
- In December, 2006 selected as Management Trainee Officer (M.T.O Batch-X) after clearing mandatory entrance test, group discussion and multiple interviews
- Thereafter received comprehensive theoretical and on job Trainings throughout the year 2007 in Islamabad (NIBAF) and Karachi Training academy along with rotation in various departments and units of the Bank such as General Banking, Trade Finance, Credit Management, Risk Management, Legal, Treasury, Corporate and Investment Banking
- A leading Private Bank
Education
Master of Business Administration - Marketing
University of Karachi
Karachi, Pakistan 01.2004 - 12.2005
Skills
- Credit Management
- Trade Finance
- Export and Import financing
- Risk Management
- Risk assessments
- Compliance with regulatory standards
- Digital Transformation
- Process re-engineering
- Automation
- Business Requirement Gathering
- Functional Requirement Gathering
- Product Management
- Process modeling
- UAT planning
- UAT execution
- Core Banking
- Oracle
- Silverlake Axis
- LOS
- Trade finance system integration
- Leadership
- Strategic planning
- Team mentoring
- Cross-functional collaboration
- Stakeholder engagement
- Stakeholder representation
Visa Status
UAE, family-sponsored residence visa (available to start immediately)
Languages
English
Advanced (C1)
Arabic
Elementary
Timeline
Business Analyst: Lending, Trade Finance (CBS/LOS)
SILVERLAKE AXIS
06.2023 - 03.2025
Unit Head - AVP: Regional Credit Operations Unit, RCOU (South Region)
ASKARI BANK LIMITED
09.2016 - 06.2023
Team Leader (Functional/Business Analyst) Oracle Flexcube, FCUBS
ASKARI BANK LIMITED
03.2011 - 08.2016
Team Leader/Senior Relationship Manager/Relationship Manager
ASKARI BANK LIMITED
01.2008 - 02.2011
Management Trainee (Batch-X)/ Credit Officer
ASKARI BANK LIMITED
06.2006 - 12.2007
Master of Business Administration - Marketing
University of Karachi
01.2004 - 12.2005
Similar Profiles
Eric Ng Zhi HaoEric Ng Zhi Hao
Business Analyst at Silverlake AxisBusiness Analyst at Silverlake Axis
SAIFUL ARIEFF BIN AHMAD RIDAUDDINSAIFUL ARIEFF BIN AHMAD RIDAUDDIN
IT Support Engineer at Silverlake Axis Sdn BhdIT Support Engineer at Silverlake Axis Sdn Bhd
Lu Lian KimLu Lian Kim
Software Developer at Silverlake Digital Economy, Silverlake Structured ServicesSoftware Developer at Silverlake Digital Economy, Silverlake Structured Services
Deva NandDeva Nand
Civil Engineer at Azizi Gardinia Construction Groups Of Company Llc.Civil Engineer at Azizi Gardinia Construction Groups Of Company Llc.
Deepa Chandrasekharan PillaiDeepa Chandrasekharan Pillai
Primary Mathematics Teacher & Coordinator at JSS International SchoolPrimary Mathematics Teacher & Coordinator at JSS International School