Summary

All in as per my attached CV. However, I've more than 7 years experience in Accounts and Finance as an accountant'. Worrked on Withholding Tax, Sales Tax/Federal Excise Duties, Online epayments and efilling of monthly and quarterly returns.

Projects

Niu tax services

Experience

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Credit Officer
Pak Oman Microfinance Bank
Aug 2020 - Present | Malakwal, Pakistan

Credit Assessment of customer, direct meeting with customers, customer appraisal, monthly reporting to head office as well as regional office,manage day to day operations and credit due customers etc

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Officer
The Atlas Insurance Limited (Formerly Muslim Insurance Co. Ltd)
Jun 2009 - Present | Lahore, Pakistan

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Assistant Disbursement Officer
Muller & Phipps Pakistan (Pvt) Limited
Jun 2018 - Jan 2020 | Sargodha, Pakistan

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Credit Officer
Aug 2004 - Nov 2005 | Malakwal, Pakistan

•Visiting each Village Branch according to an agreed schedule
•Cross checking of social appraisal done by Field Workers at the household level
•Doing the financial/Technical appraisal at the household level

•Providing necessary reports to the Field Workers to follow up for recovery
•Reviewing dues and over dues on the daily basis to plain for getting recoveries and remaining the field workers
•Helping the Field Workers in recoveries from difficult/OD clients
•Verifying daily entries in the MIS
•Helping the Field Worker’s in setting monthly and weekly targets
•Meet clients for Verified/Utilization of Loans through Post Disbursement Verification
•Reviewing loans that are not accepted by the Field Workers for rejection and cross checking such cases
•Surprise visit of Village Branches, COs and Clients to ensure transparency
•Coordinating with the Accountant and checking the entries in accounting record
•To ensure the deposit of recovery on same day from all village branches in his/her Supervision
•Any other assignment given by the ACM
•Ensuring the loan utilization
•To identify the non-payments and clear client’s obligations
•Taking and processing applications as per E-CIB record
•Maintaining Daily, Weekly & Monthly visit schedule and provide data as per requirement to H.O, mostly data sent to H.O on every 5th of the month

Education

National College Of Business Administration & Economics, Lah
Masters, Masters in Business Administration, MBA‎
Banking & Finance
CGPA 3.0/4
2011
Allama Iqbal Open University (AIOU)
Bachelors, , BA‎
Sociology, Social Sciences, Social Work
Percentage 62%
2009
Pakistan Board of Technical Education Lahore
Intermediate/A-Level, , D Com‎
Accounting & Finance
Percentage 51%
1999
Govt. High School No.1, Sargodha
Matriculation/O-Level, , Matric‎
Science
Percentage 64%
1997

Skills

Expert Ability To Analyze And Conclude Results
Intermediate Account Management
Intermediate Accounting
Expert Bookkeeping
Expert Branch Operations
Beginner Branchless Banking
Expert Business Coordination
Expert Cash Collection
Expert Collection Maintenance
Expert Committed to Customer Services
Beginner Credit Card Transaction Processing
Expert eCommerce Account Handling
Intermediate Electronic Payment Processing
Expert Good Interpersonal And Communication Skills.
Expert Having Knowledge Of Assets
Expert Listening to Customers
Expert Online softwares, Oracle Base softwares,
Expert Recovery Audit
Expert Relations Management Skills
Intermediate Reporting
Intermediate Risk Management
Intermediate Sound Knowledge In MS Office
Expert Transaction Record Management
Intermediate Transactions Management

Languages

Intermediate English

Companies Followed