Mariam A

Consultant

ADB • Freiberufler

Jul 2026 - Present • 2 mos

Microfinance Risk Participation and Guarantee Program, Expansion Support (Pakistan)

Vice President – Portfolio Management

Pakistan Microfinance Investment Company • Vollzeit

Aug 2024 - Jul 2026 • 1 yr 11 mos

Lead the management and credit oversight of a PKR 15+ billion portfolio comprising microfinance banks, microfinance institutions and FinTech companies. Conduct comprehensive financial due diligence, credit analysis and risk assessments for new and existing investments, including evaluation of financial performance, business models, governance, industry dynamics and future projections. Structure and evaluate financing transactions including term finance facilities, credit limit enhancements, restructurings and Tier II subordinated debt. Prepare and review credit proposals and borrower ratings for internal approval and recommend appropriate exposure levels based on risk-return considerations. Monitor portfolio performance and emerging credit risks, including watchlist accounts, covenant and regulatory compliance, fund utilization and operational performance. Conduct institutional due diligence and onsite assessments and work with risk teams on mitigation strategies and remedial actions for stressed exposures.

Assistant Vice President, Financial Risk

Bank • Vollzeit

May 2019 - Aug 2024 • 5 yrs 3 mos

Led financial risk management activities covering credit, market, liquidity and operational risk, supporting senior management in risk-informed decision-making and strengthening the bank’s overall risk management framework. Developed and implemented risk management policies, frameworks and analytical tools, including stress testing and scenario analysis for identification and quantification of financial risks. Conducted detailed analysis of the bank’s financial and operating performance, including liquidity, solvency, profitability, asset quality and portfolio trends. Managed Treasury Middle Office activities, including treasury portfolio analysis, P&L reporting, limit monitoring and market risk reporting. Prepared liquidity and asset-liability analyses for ALCO and risk reporting for senior management, Board Risk Management Committee and regulatory requirements. Conducted credit and counterparty risk assessments, product risk reviews and portfolio analytics to identify emerging risks, potential NPLs and areas requiring management action. Also oversaw operational risk assessments, RCSAs, KRIs and Business Continuity Planning, while supporting regulatory compliance and internal audit requirements. Led analytical reporting and converted complex financial and operational data into actionable insights, dashboards and management presentations to support strategic and risk-based decision-making.