Summary

Seeking a position in operations, finance, accounts or customer services according to my Qualification, Experience and ability, which will provide me to the platform for become a well-recognized professional Ultimately attaining prestige and pride for the organization and myself.

Experience

Company Logo
Recovery Officer
HBL Microfinance Bank Ltd
Dec 2024 - Present | Khanbela, Pakistan

. Recovery of Defaulted Loans Identify and pursue delinquent accounts, negotiate repayment plans, and recover defaulted loans.Account Management Manage a portfolio of delinquent accounts, monitor repayment progress, and update account status.Customer Interaction Communicate with customers to understand reasons for default, provide financial counseling, and negotiate repayment plans.Legal Proceedings Coordinate with internal and external lawyers for legal action against defaulters.Reporting Prepare and submit daily/weekly/monthly recovery reports to management.Compliance Ensure adherence to bank policies, regulatory requirements, and risk management guidelines.Team Collaboration Collaborate with sales, credit, and risk teams to identify early warning signs of default

Company Logo
Internship
ZTBL
Jun 2023 - Aug 2023 | Zahir Pir, Pakistan

Banking OperationsUnderstanding the inner workings of a bank, including account management, loan processing, and customer service.Agricultural Finance.Gaining knowledge on financing options for agricultural projects and businesses.Communication.Effective communication with clients, colleagues, and stakeholders.Analytical Thinking.Ability to analyze financial data and make informed decisions.Problem-Solving.Developing creative solutions to challenges in agricultural finance.Credit Analysis.Evaluating loan applications and assessing creditworthiness.Customer Relationship Management. Building and maintaining relationships with clients.Branch Operations.Assisting with daily branch activities.

Education

Islamia University
Bachelors, Bachelors in Commerce, COMMERCE‎
RURAL HEALTH CARE SERVICES AND FACILITATIONS
CGPA 2.9/4
2024
Pakistan Board of Technical Education Lahore
Intermediate/A-Level, Intermediate in Commerce, D.Com‎
Commerce, Accounting, Auditing
Percentage 59%
2020
Board of Intermediate and Secondary Education Bahawalpur
Matriculation/O-Level, Matric in Science, Matriculation‎
Science Group
Percentage 59%
2018

Skills

Beginner Ability To Meet Deadlines And Work Efficiently
Beginner Construction Management
Beginner Primivira P6
Beginner Proficiency In Accounting Software (e.g.
Beginner Project Management
Beginner Account Receivable Collection
Beginner Accounting Applications Command
Beginner Accounting Skills
Beginner Accounting Standards
Beginner Accounts Administration
Beginner Accounts Management Skills
Beginner Accounts Marketing
Beginner Accounts Payable
Beginner Accounts Payments Handling
Beginner Accounts Receivable
Beginner Accounts Receivable Software Command
Beginner Accounts Software Command
Intermediate Active Listening
Beginner Admin Tasks Management
Beginner Agile Application Development
Beginner Agile Project Management
Beginner Agricultural Marketing
Beginner Analytical Skills
Beginner Apparel Development Knowledge
Beginner ATM
Beginner Audit Assignment Handling
Beginner Audit Management
Beginner Audit Reports Management
Beginner Bank Reconciliation
Beginner Bank Reconciliation     
Beginner Banking
Beginner Bookkeeping Knowledge
Beginner Bossiness Development Strategies
Beginner Branch Banking
Beginner Building Codes & Regulations
Beginner Building Strong Relationships:
Beginner Business Analytics
Beginner Business Decision Making
Beginner Business Development
Beginner Business Development Skills
Beginner Business Development Process
Beginner Business Development Strategies
Beginner Business Strategy
Beginner Cash Flow Management
Beginner Cash Flow Reporting
Beginner Cash Handling Experience
Beginner Cash Management
Beginner Cashiers
Beginner Certified Scrum Master CSM
Beginner Client Dealing

Languages

Expert Punjabi
Expert Saraiki
Beginner Arabic
Intermediate English
Expert Urdu