Syed Muhammad Abbas Mehdi

Credit Risk and Financial Analyst with over 9 years of specialized experience in the banking and financial sectors, backed by 14 years of total professional experience. Demonstrated expertise in credit evaluation, IFRS 9 implementation, financial analysis, regulatory reporting, and operational risk management. Proven track record of delivering robust credit risk assessments, manag- ing complex models, and ensuring compliance with Basel and SBP guidelines. Skilled in portfolio monitoring, credit structuring, stress testing, and stakeholder reporting.
Seeking a position to contribute expertise in credit assessment, regulatory compliance, financial modeling, and portfolio risk
management.

AVP - Credit Analyst | Faysal Bank Limited
KARACHI, PAKISTAN | MAY 2025 – AUG 2025
• Conduct comprehensive credit assessments for SME and commercial lending proposals, including financial analysis and risk profiling.
• Evaluate borrower financials, including cash flow, balance sheet, and income statement to determine creditworthiness.
• Analyze industry trends and client market positioning to support informed credit decisions.
• Structure appropriate credit facilities while minimizing risk exposure and ensuring regulatory compliance.
• Assess collateral adequacy and oversee documentation in alignment with internal credit policies.

Manager - Credit Risk | Pakistan Mortgage Refinance Company
KARACHI, PAKISTAN | FEBRUARY 2021 – MAY 2025
• Led development, implementation, and validation of IFRS 9 ECL models, including PD, LGD, and EAD.
• Conducted liquidity risk analysis and stress testing, including LCR, NSFR, and maturity gap profiling.
• Prepared and submitted regulatory risk reports; ensured compliance with SBP and Basel III standards.
• Monitored credit risk exposures and supported senior management with MIS and board-level reporting.
• Managed operational risk functions, including RCSA exercises, KRI monitoring, and loss data analysis.

Credit Risk Analyst | Dubai Islamic Bank Pakistan Limited
KARACHI, PAKISTAN | FEBRUARY 2019 – FEBRUARY 2021
• Led development, implementation, and validation of IFRS 9 ECL models, including PD, LGD, and EAD.
• Conducted liquidity risk analysis and stress testing, including LCR, NSFR, and maturity gap profiling.
• Prepared and submitted regulatory risk reports; ensured compliance with SBP and Basel III standards.
• Monitored credit risk exposures and supported senior management with MIS and board-level reporting.
• Managed operational risk functions, including RCSA exercises, KRI monitoring, and loss data analysis.
 

Credit Risk Officer | Soneri Bank Limited
KARACHI, PAKISTAN | APRIL 2016 – FEBRUARY 2019
• Reviewed credit proposals, renewals, and interim requests with detailed financial and risk analysis.
• Conducted qualitative and quantitative assessment of borrower credit profiles and repayment capacity.
• Assessed market conditions, collateral adequacy, and regulatory compliance in credit evaluations.
• Drafted credit risk summaries and recommendations for approval committees.
• Supported reporting for BRMC and internal risk committees.

Finance - Master of Business Administration | MBA | SZABIST
KARACHI, PAKISTAN | 2014

Electronic Engineering - Bachelor of Science | BS | Sir Syed University of Engineering & Technology
KARACHI, PAKISTAN | 2009