Macro-finance and research analyst with over twelve years’ experience in commercial banking, the financial sector and private sector development combined. Leadership and Management experience with a strong sense of integrity and demonstrated passion for learning and success. Authored more than 170 articles on economic and finance issues, and policy analysis within the context of a developing economy in a weekly column carried in Guyana Times.
Association of Chartered Certified Accountants (ACCA), London, U.K ACCA Levels 2 & 3, expected completion, 2021.
Edinburgh Napier University, Scotland, U.K M.Sc., Business Management (Banking), January 2017. Dissertation: “The Effectiveness of the Financial Stability Board in Respect of the Institution’s Principal Aim of Promoting and Ensuring Global Financial Stability of the Global Economy; against the backdrop of the 2008 / 2009 Global Financial Crisis.”
Columbia University, School of International Public Affairs, New York, U.S.A Executive Training in Macro-financial policy making in emerging markets, April 2019.
University of Cambridge, London, U.K Cambridge International Diploma Standard Level Module Certificates in: Effective Business Communication; Marketing; Business Organisation and Environment, and Leadership and Development, 2012.
TRAINING PROGRAMMES AND WORKSHOPS • The Association of Supervisors of Banks in the Americas, The Bank of Guyana and the Board of Governors of the Federal Reserve System (United States Central Bank) award of Diploma for participating in the “Bank Analysis and Examination Seminar”, August 2018. • CARTAC / Bank of Guyana workshop on Basel II implementation process for Guyana’s Financial Sector, February 2018. • World Bank / Bank of Guyana workshop on the Supervision and Regulation of the Credit Union Sector in Guyana, November 2017.
Private Sector Commission of Guyana Limited, Georgetown, Guyana Economic Analyst/Manager, June 2019, present. • Preparation of reports on various indicators of the domestic and global economy for the members of the Private Sector Commission and other organizations. • Advice the Executive Committee on current issues which should be addressed by the PSC. • Provide technical support to all Sub-Committees of the PSC.
• Represent the PSC at meetings, seminars, workshops etc., when required and provide appropriate feedback and reports. • Collaborate with short term Consultants in undertaking research and analyses on issues which may be determined from time to time.
ActionINVEST Caribbean Inc., Georgetown, Guyana Project & Finance Manager, November 2018 – May 2019. • Supported the Chief Executive Officer with Business Development Activities. • Provided oversight, financial advice and proposals to the finance department. • Developed and monitored progress of projects undertaken by ActionINVEST Caribbean Inc. (AICI). • Developed and delivered trainings based upon the needs of the organization. • Creating proposals and pursing bids that align with AICI focus. • Manage and develop content for the Who’s Who in Guyana Business Directory (WWIGB). • Ensure projects are completed within stipulated deadlines. • Identified relevant growth opportunities from different sources and develop needed proposals.
Bank of Guyana, Georgetown, Guyana Financial Analyst, October 2017 – October 2018. • Conducted in-depth analyses from a risk-based perspective, particularly, of industry-wide financial and non-financial information to identify, assess, and monitor emerging trends and issues in the financial environment. • Preparation of risk assessment summaries and risk matrices. • Analyzed aspects of the CAMELS framework. • Reviewed of schedules, matrices etc. • Drafted of letters, reports, position papers, policy documents for internal and external recipients. • Conducted studies on matters related to banking supervision or regulatory activities which may inform policy development or supervisory action. • Conducting stress tests and research as required. • Reviewed existing methodology/supervisory framework, identifying weak areas, and developing proposals for enhancement. • Implementation of new legislation, regulations and guidelines. • Developed a Strategic Plan for the period 2018-2023 for the Deposit Insurance Corporation which was ratified by the Governor: The Deposit Insurance Bill No. 7 of 2018 was passed in the Parliament of Guyana which seeks to establish a Deposit Insurance Scheme. • Developed and Coordinated AML/CFT Regulatory Guideline for Money Transfer Agencies and Cambios. • Reviewed the licensing and broader legislative framework for the Money Transfer Agencies and Cambios with recommendations. • Reviewed and further improved a (new) Supervision Guideline with respect to ‘Outsourcing’. The Guideline broadly sets out the Bank’s expectation in relation to the minimum standards with which it expects LFIs to comply as they manage their outsourced activities and processes. • Spearheaded Basel II Implementation project, the Market Risk Component – strengthening the regulatory framework for the financial sector (2018 – 2020 implementation timeline). As part of this project, I have drafted the regulatory guideline for the Market Risk component. • Authored a Position Paper on Asset Management in the context of Guyana, as a regulatory mechanism to address the high level of non-performing loans in the financial sector.
Guyana Bank for Trade & Industry Limited (GBTI) Supervisor/Credit Analyst, September 2016 – October 2017. • Managed a loan portfolio of over US$20.0 million. Accumulated extensive experience in Credit Analysis - Commercial & Retail Lending.
• Participated in the Bank’s five years’ strategic plan (2017/ 2021) in setting the projections and targets for the diversification of the bank’s loan portfolio, among other key areas. • Participated in the structuring, analysis, assessment and management of two syndicated loan products totaling US$9.6 million.
Guyana Bank for Trade & Industry Limited (GBTI) Supervisor – Second-in-Charge, Port Kaituma Branch, April 2013 – September 2016. • Successfully developed and executed a marketing strategy unique to the geographic location and have managed to secure a deposit and loan portfolio of US$500,000 respectively. Bearing in mind that this region, is/was faced with many economic challenges and limitations with respect to the long-term viability of the branch. • Integrally involved in the operationalization of the GBTI Port Kaituma branch, essentially setting up the branch successfully to a state of being fully functional. • Authored a position paper which was presented to Executive Management addressing the need for an improved level of credit and macroeconomic analysis as it relates to lending. The paper was endorsed by the Head of Credit and Chief Executive Officer and was shared with all credit staff and credit managers to adopt. • Implementation of the bank’s strategic plan, goals and objectives while contributing to the sustainable growth of its portfolio and ensuring customers and stockholders satisfaction and expectations are well managed.
Other Positions held at G.B.T.I: Senior Clerk - January 2012 – March 2013, Junior Clerk – February 2007 – December 2011.
Porter Development Initiative, Building Shared Prosperity in Guyana Consultant/Research Analyst, September 2019 – present. • The Porter Development Project is led by Professor Michael Porter, Harvard University, and a team of Professors from Harvard University. The Objective is to develop and implement a national competitiveness strategy and industrialization plan for Guyana over the next eight years.
Guyana Budget and Policy Institute (GBPI), Public Policy Think Tank, Guyana/New York. Resident Director, September 2019 – Present. • GBPI produces rigorous, peer-reviewed research and directly engages the policy process, seeking strategies that emphasize cooperation, flexibility, local knowledge, and results.
Caribbean Medical Supplies Inc., East Bank Essequibo, Guyana Financial and Business Consultant, January 2019 – present.
Research Assistant, Texila American University, Vishnu Doerga, Ph.D. Project. • Research project geared at measuring the Intrapreneurship phenomenon in Guyana and analysing the data thereby arriving at useful intelligence which can be utilized to accelerate growth in organizational contexts.
Pals Beverages Inc., Georgetown Guyana Financial & Business Consultant, September 2017 – October 2017 • Developed a business plan for a US$1.0 million investment project for the submission to the Guyana Office for Investment, in support of its application for tax concessions. • Provided strategic, financial and economic advice on the proposed business model.
Roraima Group of Companies Inc., Georgetown, Guyana Financial Consultant, June 2017 – September 2017.
• Associate Professor, Texila American University, BBA & MBA Programs in Management, Finance, and Business Economics, September 2019 – present. • Lecturer, ATC and the Business School, the Association of Business Executive Program Assignments (ABE, United Kingdom) Levels 4 - 6 Diploma In Business Management Programs, January 2017 – present. • Approved MBA Lecturer, Bedfordshire University, Msc. International Finance & Banking Programmes Through Nations University, Guyana: (Global Economic Context, Financial Regulation & Fraud, Bank Management; And Financial Markets and Portfolio Management).
WORKING PAPERS • Persistent Overdrafts of the Consolidated Fund: What does it mean for macroeconomic stability (Authors: TK and xx) to be presented to the Caribbean Regional Monetary Studies Conference in November 2020, and to be published in an international and/or regional Academic Journal of Economics & Finance. • The Determinants of Non-Performing Loans in Guyana’s Financial Institutions and Proposed Regulatory Actions –to be presented to the Caribbean Regional Monetary Studies Conference in November 2019, and to be published in an international and/or regional Academic Journal of Economics & Finance. • The Potential Economic and Social Impacts of Oil & Gas in a Developing Economy – the Case of Guyana. • The Impacts of a Potential Currency Crisis in the Context of a Small Developing Economy – the case of Guyana.
UNPUBLISHED RESEARCH PAPERS • The Consequences of Crime and Violence on Socioeconomic Outcomes in Guyana: prepared and submitted to the Inter-American Development Bank, Research Department for the 8th Annual Meeting of the Latina Crime & Policy Network to be held in Washington DC, September 7 – 8, 2018. • The Evolution and Structure of the Financial System in Guyana, the challenges and implications of Monetary Policy and Financial Stability.
Bibi, do you understand a single word in this CV?
Did you read any of the 170 articles?