Summary

Seeking for a promising future with the opportunity to utilize my potential and knowledge in a creative and educational environment aiming at the achievement of goal with hard work, dedication and distinction.

Projects

Orientation Training of Credit Risk Officers on Products/Policies Awareness
Workshop on Credit Risk Management
Training on Product Policy & Documentation

Experience

Company Logo
Relationship Associate - Consumer
First Habib Modaraba
Feb 2024 - Present | Islamabad, Pakistan

Management of the auto financing portfolio in terms of sales, marketing, disbursement, documentation and recovery.

Company Logo
Sr. Business Development Officer
finja Lending Services Ltd.
Sep 2020 - Jan 2024 | Islamabad, Pakistan

Providing short term financial services to SMEs of various FMCG Companies in terms of supply chain financing.

Company Logo
Assistant Director
Punjab small industries corporation
Nov 2019 - Jun 2020 | Taxila, Pakistan

Administration and marketing

Company Logo
Credit Risk Officer
NRSP MICROFINANCE BANK LIMITED
Jun 2016 - Sep 2019 | Bahawalpur, Pakistan

Identifying credit risk in the assigned portfolio through field visits and communicating that risk to Head Office and Business team with the suggestion of mitigating that risk to improve the quality of portfolio.

Company Logo
Loan Officer-Individual
Khushhalibank limited
Feb 2015 - May 2016 | Khanewal, Pakistan

Management of individual loans portfolio in terms of sales, marketing, disbursement, documentation and recovery. 

Company Logo
Accountant
Haris Pharma
Jan 2011 - Jul 2014 | Khanewal, Pakistan

Maintaining all books of accounts (Day Book, Cash Book, Ledgers) in manual and computerized form.

Education

Bahauddin Zakariya University
Masters, Masters in Commerce, M.COM‎
CGPA 3.2/4
2014
Bahauddin Zakariya University
Masters, Bachelors in Commerce, B.Com‎
Accounting & Finance, Economics, Auditing
Percentage 60%
2011
Board of intermediate and secondary education multan
Intermediate/A-Level, Faculty of Science (Pre-Engineering), F.Sc Pre-Engineering‎
physics, chemistry, mathematics
Percentage 65%
2009
Board of Intermediate and Secondary Education Multan
Non-Matriculation, Matric in Science‎
Physics, Chemistry, Biology
Completed
2007

Skills

Expert Quality Assurance
Expert 360 Recruitment
Expert 4 Knowledge of Taxation
Expert Ability To Be Motivated By Targets
Expert Ability To Influence And Negotiate
Expert Ability to Maintain Professionalism
Expert Ability to Promote a Positive Image of the Bank
Expert Academic Database Management
Expert ACCA
Expert Accounnts Management
Expert Account Analytics
Expert Account Management
Expert Account Opening
Expert Account Reconciliation
Expert Accounting
Expert Accounting Applications Command
Expert Accounting Knowledge
Expert Accounting Skills
Expert Accounting Software
Expert Accounting Software Command
Expert Accounts
Expert Accounts Administration
Expert Accounts / Manager
Expert Accounts Administration
Expert Accounts Adminstration
Expert Accounts Finalization
Expert Accounts Handling
Expert Accounts Management
Expert Accounts Management Sklis
Expert Accounts Payable
Expert Accounts Payments Handling
Expert Accounts Production
Expert Accounts Receivable Command
Expert Accounts Receivable Software Command
Expert Accounts Receivables
Expert Accounts Reconciliation
Expert Accounts Software Command
Expert Adaptability Skills
Expert Admin and HR
Expert Admin Assistance
Expert Admin Task Handling
Expert Admin Tasks Handling
Expert Administration
Expert Administration Knowledge
Expert Administration Skills
Expert Administrative Assistance
Expert Administrative Management 
Expert Admission Management
Expert Admission Handling
Expert Admission Management

Languages

Intermediate English
Expert Urdu

Muhammad Contacts

Ahmad Munir
Waseela Microfinance Bank Limited
Ali Malik
NRSP Microfinance Bank Limited
Zubair Ahmed Shaikh
SZABIST College Mirpurkhas