Waqar Aamir Katiar

A-433, Phase 1,
Gulshan-e-Hadeed, Bin Qasim
Karachi No. 49. Post Code 75010
Cell No. 0334-335-336-5, 0300-2831681
Email: waqar.aamir.katiar@gmail.com

Objective
To Increase experience, ability, and skills through working in a Dynamic and Fast Paced Environment.

Professional Experience
Consultancy and Trainings
Provided Consultancy and Trainings as a private trainer

Key Fields
 Sustainability

 Gender

 Energy Efficiency

 Micro Finance

 Project Management

 Community Development in Rural Areas

 Risk Management

 Analytical Skills

 Stocks and Markets

 Time Management

 Managerial Skills (Time, Stress, Conflict, Presentation, skills)

Worked as an Area Risk Manager (ARM)

In The First MicroFinance Bank Ltd
Karachi Region (11 Branches) Operations and Credit Risk
From Nov 2016 to Feb 2019
Operation Risk:
Key Responsibilities
Surprise Visit of Branches
 Cash Management (Cash and Stamp Papers Counting and tallying with cash balance in MIS), Sorted/unsorted Cash and other cash
related compliance according to SBP guidelines
 Vault Keys Custodian and Compliance, Checking Vault Keys users and handing taking record and review it. Checking attendance
register and CCTV
 Gold Collateral Management (counting of all outstanding Gold Clients bags and tallying them with Gold Register and MIS)
 Review of User Id login, Ensuring about Password Sharing and Id use
 FCR (Field Collection Receipts), Record and Compliance
 Bank Reconciliation Reports, Ensuring of Completeness, Correctness and Timely Basis.
 Account Opening Form, Checking Completeness, Compliance, KYC and Income Evidence
 CCTV and DVR Review (Camera Position, Capturing Area, Recording Backups, Guards monitoring)
 Cheque Books stock (Telly with Cheque Book Register, 30+ days old cheque books status, Completeness of Register)
 Security and Smoke Alarm testing and Status
 Fire Extinguisher (Meter and Expiry date status)
 BCM Management and BCM Plan (Staff understanding, Backups, Responsibilities, Tasks)
 Security Guards (Vigilance, Metal Detector status, Guns Status, Positions)
  Security Guards file review, Checking completeness of file and other requirements.
 Service Quality (Observing Turn around Time, Cleanness, Behaviour with clients, Dress Code

Credit Risk:
Post Disbursement Desk Review of Loan Clients (During Branches Visits)
o
Checking Completeness of File
o
Checking correctness and compliance
o
ECIB, NADRA Review
o
Cashflow Analysis
o
Checking Violation of SBP PRs, Credit Manual, Product Manual
o
KFS (Key Facts Statement) Review
Post Disbursement Physical Verification of Clients (During Branches Visits)
o
Client Business and House Verification
o
Business Status and Going Concern Concept
o
Awareness about Group members, Policies and Terms and Conditions
o
Activist Factor in Area
✓
Due Diligence Reporting of 30+ Overdue Clients
Jewellers Panel (Verification before selection and Approval, Agreement status, Branches Tagging Status)
Pension Departments Verification (Before Profile Approval)

Worked as a Credit Officer

The First Micro Finance Bank Ltd, Garden Branch Karachi.
nd st
From 2 April 2015 to 31 Oct 2016

Responsibilities:

Desk Review of Documents of Credit Clients

Field Verification of Business and Residence of Clients

Approve/Reject Clients in Branch Credit Committee

Post Disbursement Field Visit for Checking Loan Utilization

Post Disbursement Desk Review for completion of documents

Visiting NPL Clients and Reporting of them

Maintain Monthly Reports of verifications

Monitoring for Fraud and risk

Worked as an Executive Director

Shaikh Bhirkio Research and Development Organization, Gharo, Distt. Thatta
From Feb 2014 to March 2015

Responsibilities:-
Planning and Monitoring of Project in terms of Admin, Finance and Project Activities.
Planning for Procurements, Hiring and Resource Management

Worked as a Credit Officer

The First Micro Finance Bank Ltd, Mirpur Sakro Branch
From Feb 2011 to Jan 2014

Responsibilities:

Desk Review of Documents of Credit Clients

Field Verification of Business and Residence of Clients

Approve/Reject Clients in Branch Credit Committee

Post Disbursement Field Visit for Checking Loan Utilization

Post Disbursement Desk Review for completion of documents

Visiting NPL Clients and Reporting of them

Maintain Monthly Reports of verifications

Monitoring for Fraud and risk

Worked as a Micro Finance Officer (MFO)

The First Micro Finance Bank Ltd, Mirpur Sakro Branch
st
From 31 May 2008 to Jan 2011
Responsibilities:

Marketing of Loan Products

Selling of Loan Products

Recovery of Loan Products

Follow ups to Overdue and NPL Clients

Worked as an Accountant
The Head Trust (Regd.)
th
From 15 April 2006 to 20th May 2007
Responsibilities:

Maintain Books of Accounts

Data Entry

Preparing Financial Reports

Some time worked as an Administrator

Qualification

MBA in Banking and Finance from Virtual University of Pakistan (In Progress)

B.Com from The University of Karachi
Certification
I am Certified from United Nations, Google in Digital Marketing. In addition, I am Certified from World Bank, IMF, and IFC in SME, Credit,
Risk, Gender, Agriculture, Sustainability, Rural and Urban, Energy Saving, Water Management and Irrigation and Health. I have done 86
certifications from United Nations, Google, World Bank, IMF and IFC. List is below
1. Indicators for an Inclusive Green Economy: Advanced Course from United Nations Institute for Training and Research
2. The Fundamentals of Digital Marketing from Google
3. Advanced Google Analytics from Google
4. Google Analytics for Beginners from Google
5. Fundamentals of Credit Reporting from World Bank Group
6. IBRD Flexible Loan from World Bank Group
7. ELearning Course on Secured Transactions, Collateral Registries and Moveable Asset based Financing from World Bank Group
8. Financial Risk Management Products from World Bank Group
9. Result based Financing in Health from World Bank Group
10. Early Childhood Development for Policymakers and Practitioners from World Bank Group
11. Parliament and the Budget from World Bank Group
12. Urban Crime and Violence Prevention from World Bank Group
13. Energy Sector Strategies to Support Green Growth from World Bank Group
14. Parliament and Anticorruption from World Bank Group
15. XL Academy – Accelerating Growth: How to Rise Funds in Africa from World Bank Group
16. Gender in Agriculture from World Bank Group
17. Overview of Post Disaster Needs Assessment (PDNA) from World Bank Group
18. Recovery and Peacebuilding Assessments: Introductory Course from World Bank Group
19. Disaster Risk Financing from World Bank Group
20. Advances in Financial Sector Analysis and Policy from World Bank Group
21. Water Footprint – Concept and Application from World Bank Group
22. Reproductive Health: From Advocacy to Action from World Bank Group
23. Public Private Partnership (PPP) – Improving Performance Irrigation Services Provision from World Bank Group
24. Public Finance Management Reforms: Case Study Slovakia from World Bank Group
25. Policy Instruments for Low Emissions Development: From Design to Implementation from World Bank Group
26. Parliamentary Committees from World Bank Group
27. Parliamentary Budget Office from World Bank Group
28. Open Learn: Using Knowledge Assessment Methodology (KAM) from World Bank Group
29. Open Data for Policy Makers from World Bank Group
30. Monitoring and Evaluation of Climate Mitigation Initiatives from World Bank Group
31. Low Carbon Development: Planning and Modelling from World Bank Group
32. Investment Planning toward Low Emissions Development from World Bank Group
33. Introduction to Social Accountability World Bank Group
34. Energy Efficiency in Public Buildings from World Bank Group
35. Debt Management Performance Assessment (DeMPA) from World Bank Group
36. Climate Finance: Innovative Approaches in Supporting Climate Action from World Bank Group
37. Cities and Climate Change Leadership from World Bank Group
38. Sustainable Urban Land Use Planning from World Bank Group
39. Saving Energy through Energy Saving Performance Contracts from Wold Bank Group
40. Understanding Risk from World Bank Group
41. Agriculture Sector Risk Assessment from World Bank Group
42. Decision Making Under Deep Uncertainty – Long Lasting Investment in a Changing World from World Bank Group

43. Innovative Business Models for Better Impact from World Bank Group
44. Basics of Public Financial Management from World Bank Group
45. Rethinking Gender in Social Development from World Bank Group
46. Result Based Financing Approaches - Key Concepts and Principles from World Bank Group
47. Introduction to the Open Data for Resilience Initiative (OpenDRI) from World Bank Group
48. Fundamentals of Disaster Risk Finance from World Bank Group
49. Conflict of Interest Risk Management for your Project from World Bank Group
50. Advances in Financial Sector Analysis and Policy from World Bank Group
51. Introduction to Index Insurance from World Bank Group
52. Re-Thinking Gender in Social Development from World Bank Group
53. Gender Equality and Development from World Bank Group
54. Gender Equality and Energy From World Bank Group
55. What is Inclusive Business from World Bank Group
56. Civil Registration and Vital Statistics System from World Bank Group
57. Basics of Health Economics from World Bank Group
58. An Introduction to Land Market Assessment in Complex Urban Settings from World Bank Group
59. TRACE: How to use the Tool for Rapid Assessment of City Energy from World Bank Group
60. Parliaments in Fragile States World Bank Group
61. Sustainable Agricultural Land Management: Soil Carbon Monitoring from World Bank Group
62. Designing and Implementing Successful Water Supply and Sanitation Utility Reform from World Bank Group
63. Introduction to Innovation Policy for Developing Countries from World Bank Group
64. Introduction to Global Environmental Facility (GEF) from World Bank Group
65. Coffee Price Risk Management from World Bank Group
66. Parliaments and the Budget from World Bank Group
67. Health Outcomes and the Poor from World Bank Group
68. Land Readjustment from World Bank Group
69. Introduction to the World Bank Environmental and Social Framework from World Bank Group
70. Municipal Finances – A Learning Program for Local Governments from World Bank Group
71. On the Case: Writing Science of Delivery Case Studies from World Bank Group
72. People, Politics and Change from World Bank Group
73. Resilience Monitoring and Evolution (ReM&E) from World Bank Group
74. World Bank Group Education Sector Strategy 2020: Learning for All from World Bank Group
75. Upgrading Urban Informal Settlements from World Bank Group
76. Transit Oriented Development at a Corridor Scale from World Bank Group
 77. The Art of Knowledge Exchange from World Bank Group
78. Screening for Climate Change and Disaster Risk in Development Projects from World Bank Group
79. Credit Information System Focusing Small and Medium Enterprises – E-Learning Course for SMEs from World Bank Group
80. Greenhouse Gas Accounting Tools for Sustainable Land Management from World Bank Group
81. Sustainability Training and E-Learning Program (STEP) from International Finance Corporation (IFC)
82. Induction to Fragile Environment Financial Management from World Bank Group
83. Partnering with the World Bank through Trust Funds and Umbrella 2.0 Programs from The World Bank Group
84. Railway Financing from The World Bank Group
85. Climate Change and Health from The World Bank Group
86. From Live in the Classroom to Live Online from The World Bank Group

Computer Skills

AutoBanker 3 from Apna Micro Finance Bank ltd

Oracle FlexCube, Core Banking Software (CBS)

E-Rapid (Banking Software) from The First Micro Finance Bank Ltd

Peachtree Accounting Software from ICMAP

M. S. Office from ICMAP
Trainings

Attended 3 days Training on Ethics in 2011 from The First MicroFinance Bank (FMFB) in Karachi

Attended 3 Training on Leadership from NIBAF at IBA Karachi in 2017

Attended 5 Days Management and Compliance Training from NIBAF at IBP Karachi in 2017

Attended 2 days Training on Leadership from FMFB at Mehran Hotel in 2017
Conducted several trainings as a Trainer of Loan Officers, Credit Officers and Team Leaders at FMFB

Interpersonal Skills

Ability to work in Fast Paced Environment

Ability to work hard in tough schedules

Target Oriented

Strong analytical Skills

Good Communication Skills

Good Time Management for Skills

Ability to work in Groups and Teams

Writing Experience
Published book named We are Weird in hard and soft copy from Amazon (USA and 12 other Countries)
Write for the largest circulation Daily Sindhi News Paper Kawish
Published 4 Articles
Names of Articles
1. New Generation, Old Crops
2. Romantic Tradition of Rome
3. Cicero's Theory still Valid
4. Hitler as a painter

Reference
Will be furnished on Demand