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概要
As a seasoned finance professional, I bring a wealth of expertise and experience to the table. I have a deep understanding of financial management, internal audit, operations, compliance, and credit risk fields, as well as extensive knowledge of strategic management, leadership, innovation, and business development. My skills in policy formulation, project execution, and P&L and cashflow management have proven to be instrumental in driving profitable growth and supporting strategic objectives throughout my career.
I have a diverse range of skills, including expertise in financial services, brand management, project management, fintech, business intelligence, data sciences/analysis, cybersecurity analysis, and international financial reporting standards. I am well-versed in AML/CFT regulations and have extensive experience in re-engineering business processes to improve efficiency. I am always eager to learn and stay up to date with new technologies and software solutions, which allows me to stay ahead of the curve.
As a natural leader, I possess strong communication and interpersonal skills, which enable me to work collaboratively with teams to achieve success. I am results-oriented and never shy away from taking responsibility and accountability. My ability to take on new challenges and opportunities and my eagerness to grow and develop have been instrumental in my career success.
项目
工作经历
Senior Auditor
-Audit of Federal Ministries -Reporting to Public Accounts Committee -Special Forensic Audit via Joint Investigation Teams -Consultancy for the State Owned Entities
Financial Controller
Operations Manager
• Responsible for smooth operations of all the departments related to Branch Banking Operations activities of the assigned Branch in accordance with the outlined policies / procedures and regulatory requirements and periodically review various steps involved.
• Responsible to identify any potential risk related to business operation and provide solutions to superior/bank management.
• Responsible for issuing day to day communications required for performing of various keys functions, identify suitable personnel for acting as custodians for various keys / combinations, documents and other assets of the Branch.
• Ensure that Branch Operations staff is updated with all the knowledge pertaining to their respective departments. Create back up of every staff to ensure proper working of the branch in case of absence of any staff member.
• Close coordination with respective Centralized Processing Units on account of processing of documents in a complied and timely manner.
• Ensuring all documents forwarded to the respective Centralized Processing Units are duly checked and found in order. Discrepancies in these documents are rectified within minimum possible time.
• Response to respective Centralized Processing Units with support document (where required) in a timely manner.
• Manage & control processing of General Banking activities to ensure that all relevant outlined policies, procedures, regulatory requirements and delivery standards are met which ultimately should reflect in satisfactory audit rating and acceptable level of internal / external customer’s satisfaction.
• Direct Supervision of Account Opening for accounts opened at branch level / Account opening documents to be dispatched to the Centralized Processing Unit for processing. Supervision of all documents / instruments processed by the Branch and all Branch Operations activities being carried out by the Branch.
• Exercise strict controls to minimize the transactions carrying exceptions.
Credit Officer
• Responsible in handling assets / credit portfolio of around Rs.2.0Billion under the supervision Risk Management Division and also Assist in evaluating, screening and drafting proposals based on strict guidelines and ensures decisions are in line with the risk management policies by maintaining the turnaround time and quality of decision making to agreed standards
• Handling & Preparation of customer Credit proposals
• Analysis of financial statements, projections & interpretation of various financial ratios.
• Analysis of Credits related to Syndicate, Corporate & SME financing.
• Conversant with Central bank rules and regulations pertaining to Credit Risk functions specially PR’s.
• Well conversant with security / charge documentation and related legal aspects for various types of advances.
• Familiar with Credit Risk issues.
• Expert in Ms Office specially Ms Excel spreadsheet for various types of analytical reporting.
• Review ongoing portfolio activities and ensure that they are on-track as regards disbursements and results targets, and troubleshoot any problems both internally within the Bank and with the Government.
• Commence the credit initiation process by gathering information and drafting credit proposals, to ensure credit decision making is in line with credit policies, SBP, Prudential Regulations and overall business objectives.
• Responsible to prepare , evaluate, Recommend and evaluate the Credit Proposals with the relevant Documentation for necessary approval by the competent authority.
• Coordinating with Manager Forex for Foreign Trade/Exchange related activities to ensure all the requirements are fulfilled in accordance with the guidelines.
• Monitor the Entire Portfolio ensuring timely recovery of Mark-Up , completion of security documentation , avoiding classification of advances with timely reporting to higher Management , SBP for Compliance Purpose.
