Dear Sir / Madam,

I would like to apply in your organization for a creative and challenging position in the field of financial analysis, financial modulation or business strategy which offers career growth, constant learning, personal and professional development opportunities.

My qualifications are based upon a combination of education, and extra-curricular activities. I am an affiliate Chartered Certified Accountant (ACCA) and also passed Chartered Financial Analyst level 2 examination. During my academic life, I studied a variety of subjects that strengthened my analytical, interpersonal and problem solving skills.

Currently involved in Credit Control function of American Express GBT/AEG Travels, the largest travel management company in Pakistan, my role entails having to work through number crunching to analyze receivables, analysis and ad hoc project management financial feasibility. I have helped my employers with my analytical and financial analysis skills in finding credit-worthiness of individuals and companies applying for credit. My ability to research and collect financial and credit information of customers have helped my employers in taking decisions of granting and rejecting credit applications. My recommendation and suggestion will surely help your organization in making appropriate decisions. I have hand on experience in financial analysis and accounting for the last five years and is full of confidence and energy to do my best. My expertise in the field of team management and analysis can help in achieving your business objectives as you have planned.

Attached is my résumé for review. I look forward to meeting you, where effectiveness of my being a part of your team may be discussed in further detail. Thank you for your consideration.

Sincerely,

Muhammad Waqas Naeem

Attachment: Résumé

EDUCATION

Chartered Financial Analyst(Level-3 candidate)

Chartered Financial Analyst Institute(cleared 2 levels in first attempt)

Certified Chartered Accountant(Affiliate)

2011

Association Of Chartered Certified Accountants – ACCA (Affiliate)

Cleared all papers in first attempt

B.COM

2008

University of Karachi(Secured 2nd division)

Intermediate

2005

Adamjee Government Science College

Matriculation

2003

Seedling Public School (Secured A+ grade)

EXPERIENCE

American Express Global Business Travel Pakistan

November 2012- To present

Supervisor Credit and Receivables :

To coordinate, supervise and deploy Credit Control activities to mitigate customer credit risk and to ensure the collection of outstanding debt from customers in a timely and professional manner.

Evaluate customers’ credit worthiness through financial indicators obtained through their financial statements and providing reports to senior management to help them in price setting and granting credit.

Managing receivables around PKR 250M, Setting KPIs for the collection coordinators and analysing their monthly performances.

Preparing quarterly sale trend for historical comparison over the years and forecasting sale and revenue.

Process reengineering in operations and receivables to improve cash conversion cycle resulting in reduced finance cost.

Monitoring customer account reconciliations and analysing bad debts provisions

Monitoring and reconciliation of all the cash and bank entries with the system.

Providing annual financial and statistical data to the client as per requirements.

Ensuring completion of invoices by reconciling with the airline sales report and identifying the gaps.

Coordinate and manage the workload in the credit department with the appropriate levels of resource.

Ensure credit control related data is maintained efficiently and accurately to ensure smooth internal and cross-functional communication, following set processes and channels, in order to resolve credit control issues in a timely and accurate manner.

Administration and reporting: To ensure timely and accurate data entry and to provide reports to management in order to identify improvement opportunities.

Additional Responsibilities: In November, 2014 became a part of customer pricing team for global as well as local customers with following responsibilities;

Price setting of customers in accordance with the business volume and profitability whilst keeping in view customer satisfaction and market competition.

Communicating our local needs to Global pricing team for its incorporation in bidding process.

American Express Travel Related Services Pakistan January 2012 To November 2012

Credit Control Coordinator – analysing corporate customers’ credit worthiness and implementing and adopting company procedures in accordance with customer requirements.

Performing customer financial analysis to evaluate credit worthiness.

Performing process reengineering to reduce time from initiation of transaction to invoice delivery.

Improving internal and cross functional communication.

Highlighting customers with high aging and deteriorating receivable days.

Special Projects:

Orchestrated successful implementation of ERP ABACUS Power Suite in head office and Islamabad branch.

Conducted trainings on Power Suite for Islamabad staff and resolving problems in operations and finance on timely basis.

Centralizing the account receivables settlement function to the head office.

EA Consulting Pvt. Ltd. September 2011 – December 2011

Accounts Executive

Assisted manager finance in month end closing.

Assisted manager finance in finalising monthly accounts, passing adjusting entries and review of monthly receivables control ledger.

Bank reconciliations, maintaining fixed assets register, lease schedules, staff expense reimbursement and monthly payroll entries.

Settlements of the receivables, preparation of receivables ageing reports for the CFO and bad debts analysis.

Preparation of Daily fund positions and E-filing of tax returns (employees).

Philips Electrical Industries of Pakistan Pvt. Ltd. December 2010 - May 2011

Trainee

Assisted manager finance in Preparation of note to the accounts and yearend financial adjustments.

Assisted manager finance in the preparation of fixed asset schedules and working for disposals.

One month training in the payables function.

Got ERP exposure of SAP and JD Edwards.

IT SKILLS

ACHIEVEMENT

PERSONAL DATA

Proficient in Microsoft Office suite;

Abacus, SAP, BOSS and J.D Edwards

On hand practical experience of using and implementing ABACUS Power Suite.

Awarded as the best project employee for preparing the invoice equivalency for the two systems.

Promoted to Team Lead AR after 9 months of joining American Express in Islamabad region.

Pricing Training in Singapore lead by Amex regional director pricing

Marital Status:

Married

Date of Birth:

October 20th,1986

Languages:

English, Urdu and German

Nationality:

Pakistani

Gender:

Male

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