Sibtain Ghauri

• Own the resolution of complex cash and position reconciliation
  issues arising from a major banking system implementation,
  ensuring continuity and accuracy of the Book of Record.
• Investigate and resolve mid-cycle loan discrepancies across
  active and legacy contracts, including funding amounts, value
  dates, interest rates, account mappings, and settlement breaks.
• Act as a key control point during month-end and quarter-end
  processing, mitigating operational risk during volume spikes and
  time-critical periods.
• Partner with Lending Operations, Controls, and downstream
  teams to align operational delivery with strategic objectives and
  risk standards.
• Design and implement continuous improvement initiatives,
  reducing recurring issues, improving turnaround times, and
  increasing team productivity.
• Train and onboard new team members on operational
  procedures, controls, and best practices within a high-risk, lowtolerance environment.
• Allocate and prioritise workloads based on team capability,
  ensuring timely delivery and quality execution.
• Recognised by senior global management for consistently
  exceeding operational targets through rapid issue resolution
  and strong risk ownership.
• Awarded Collaboration Award (Q3 2025) for cross-team
  delivery and operational leadership.

• Managed the end-to-end lifecycle of bilateral and syndicated
  corporate loan facilities, from onboarding and funding through
  repayments and maturity.
• Processed daily loan activity including drawdowns, rollovers,
  repayments, and adjustments, ensuring accurate collateral and
  cash positioning.
• Maintained daily cash and nostro reconciliations, resolving
  discrepancies promptly and addressing aged items to protect
  downstream reporting.
• Acted as primary operational contact for corporate clients and
  internal stakeholders across APAC regions (Singapore & Hong
  Kong).
• Supported interest processing, accruals, and rate updates
  across multiple interest periods, ensuring accurate month-end
  adjustments.
• Produced daily and monthly operational and risk-focused
  reports for internal stakeholders.
• Reduced discrepancies in internal reporting by 40% by
  introducing a streamlined reconciliation process.

• Evaluated and underwrote credit applications for small-to-medium enterprises (SMEs), focusing on clients with higher exposures transitioning to AIB, ensuring alignment with the bank's credit policies.
• Conducted detailed financial analysis, reviewing financial statements, balance sheets, and cash flow reports to assess borrowers' repayment capacity and identify potential risks.
• Managed 5-8 complex cases per week, collaborating with sales teams to gather necessary information from clients and ensuring that loan proposals met both client needs and regulatory standards.
• Played a key role in negotiating loan terms, reviewing repayment schedules, and assisting clients with the reconciliation of accounts.

Key Achievements:

• Successfully transitioned multiple high-value SME accounts to AIB, ensuring seamless onboarding and compliance with new regulations.
• Improved own credit assessment turnaround times by 20%, meeting tight deadlines without compromising the accuracy of assessments.

• Managed the complete onboarding process for FX and derivative instruments, working with retail and institutional funds to ensure operational readiness prior to fund launch dates.
• Coordinated with over 15 external counterparties, including brokers and custodians, to meet strict deadlines and ensure that all fund components were integrated seamlessly.
• Developed and refined processes for onboarding complex financial products, ensuring compliance with internal risk and operational standards.
• Delivered performance improvement strategies that optimized onboarding workflows, reducing the time required to set up new instruments by 10-20%.

Key Achievements:

• Successfully onboarded multiple complex FX and derivative products for numerous funds simultaneously under tight deadlines, contributing to the successful launch of high-value funds.
• Enhanced stakeholder collaboration by implementing improved communication protocols between internal teams and external counterparties.

• Contributed to the growth of the loan book by over €10 million, overseeing the underwriting of loan applications and providing personalized financial advice to members.
• Managed call-centre operations, handling 30-50 interactions daily, resolving customer queries related to loans, and providing guidance on available financial services.
• Negotiated loan terms with customers, balancing regulatory compliance with customer needs to ensure mutually beneficial outcomes.
• Played a pivotal role in improving internal processes, identifying inefficiencies, and implementing changes that improved workflow and reduced processing times.

Key Achievements:

• Drove a 15% increase in loan approval rates by streamlining the loan assessment process.
• Improved customer satisfaction by reducing the average time for loan application processing.

• Delivered high-quality customer service by managing high volumes of member interactions, addressing queries, and building strong relationships with key stakeholders.
• Promoted to Floor Supervisor, overseeing 20+ staff daily, managing workflow, and ensuring that team members met performance goals.
• Led the development of training manuals and conducted comprehensive training sessions for new (and existing) staff, ensuring consistent and sufficient knowledge across teams.
• Automated archaic systems, improving the efficiency of customer service and processing by digitising manual operations.

Key Achievements:

• Increased team efficiency by 25% by implementing new digital tools and training programs.
• Developed and rolled out the first-ever comprehensive training manual for the company.