# ***, ****** # **, ******** ******-*, Rawalpindi-4, Pakistan.

Contact No: (033*-***-**** (030*-***-****

E-mail: ad0flq@r.postjobfree.com

OBJECTIVE: Looking for an organization, which provides me an ample opportunity to prove my self as a professional in the field of Operations/ Branch Management/Trade /Corporate/ SME Finance Banking, which can benefit from my qualification, experience and skills along with my professional growth.

Summery

-Over 22 years of professional experience in Operations/Trade/ Corporate / Institutional Banking/

Accounts/Financial / HR Management/Stock & Inventories Management and operational banking system.

-Expertise in Institutional Banking, Operations/ Trade /Corporate /SME Finance & Cash Management

-Experience of working in both Conventional as well as Islamic Banks

-Senior level contacts and strong relationships with Banks & NBFIs

-Experience of managing the support function for facilitation of the Mergers, Acquisitions & International

expansion processes. Solicit new relationship for the bank

-Managing financial accounting, monitoring and reporting systems

-Experience of system migration and integrations as a result of M & A

-Proven track record of meeting aggressive business development & revenue targets

-Responsible for setting up the Global Trade Services (Regional Level) at Bank Alfalah Rawalpindi /

Faysal Bank Ltd Rawalpindi and FI & Cash Management department

-Responsible for overhauling the trade process at BAL, structuring the Financial Institutions Credit Unit at

Faysal Bank, assisting in the formulation of Financial Institutions Credit Committee at BAL and FBL

-Responsible for establishing Inbound FI business desk at both BAL and FBL

-Responsible for establishing correspondent banking desk in north region.

Specialties

Comprehensive knowledge of Financial Institutions, Trade Finance, Cash/Supply Chain Management (Payments & Collections), & Treasury Products /Corporate Finance /Operations & Accounting systems.

Expertise in managing the support functions for facilitation of M & A, International Expansion.

Thorough knowledge of the local market and regulatory environment therein and possess strong credit skills.

Expertise in revenue maximization, developing internal controls, risk acceptance criterion, innovative deal structuring, asset booking as well as remedial banking.

PROFESSIONAL QUALIFICATION

Master of Business Administration. (Arid University Rawalpindi -1998)

Bachelor of Commerce (Karachi University, Karachi - 1988)

Islamic Fund Management (AlHuda Institute of Islamic Education, Lahore -2014)

EMPLOYMENT HISTORY:

Medsol Tech LLC (March 2008 to date)

Working with M/s. Medsol Tech LLC as Manager Finance Accounts & treasury at its Islamabad office, my duties are as under:-

Developed and recommended business policies and procedures that improved quality and drove revenue performance. Office Administration and human resources matters management.

Prepared, analyzed, monitored, and reported on multiple departmental financials, including creation and presentation of annual budget models, forecasts, various variance reports, P & L’s, rebate programs, and all financial analysis – reporting activity in order to meet financial goals and improve on prior year financials.

Coordinated and implemented various cost saving suggestions which were accepted and contributed $millions in projected savings. Suggestions included elimination of unnecessary expenses, product reductions & changes, technology advancements, and vendor contract re-negotiations.

Oversaw monthly and annual accounting close, including analyzing, reconciling, and reporting on accruals, general ledger, and variances, as well as the monitoring of work in progress– analyzing costs and processes against plan from inception to completion.

Prepared, analyzed and reported on ad hoc bid proposals for all special projects as needed.

Responsible for the direct supervision of eighteen-person staff in all financial and operational activities, including training & development, personnel issues, reviews, and overall performance quality of various departments.

Reorganized operations expense reporting by creating and integrating new financial models, including reconciliation, estimation, and bid analysis spreadsheets. This resulted in more efficient and streamlined financial reporting systems.

Lead person in contract negotiation and analysis with all vendors, both new and existing, improving profitability as it relates to cost reduction. This contributed to huge cost savings throughout my tenure.

Involved in the standardization, advancement, and implementation of more efficient departmental procedures and guidelines. This contributed to cost savings and staff efficiencies.

Managed company’s paper inventory, including price negotiation, purchasing, budgets, and financial reporting.

Responsible for new department personnel, including resume analysis, interviews, hiring and training.

Member of corporate transition team involved in the transfer of products and divisions – centralizing operations.

Direct daily corporate operations. Manage outsourced accounting firm and function. Develop financial and operational policies and procedures. Research and report factors that influence business performance.

Monitor and analyze cash flow – to predict future trends. Manage accounts payable and accounts receivable process. Prepare annual operating budget and analysis of variance to budget. Prepare financial projections and models of operations. Prepare industry benchmark analysis.

Develop financial management techniques that minimize financial risk.

Manage monthly expenses to insure positive financial results.

Manage and Direct multiple projects. Prepare special financial and operational reports as requested.

Manage weekly payroll for corporate employees and field officers

Overseeing all aspects of financial control in the business. Providing financial, commercial and strategic support to the business.

Involved in Business Planning, P&L, Balance sheet & liquidity planning.

Overseeing internal financial controls. Recording of monies received and paid out.

Producing meaningful commentary and analysis of financial data.

Preparation and reporting of income and expense forecasts to senior management.

Preparing and assisting with audited financial accounts. Assist in the preparation of monthly management reports. Manage a portfolio of foreign exchange (FX)

Preparation and submission of Company Tax Return

Preparation and submission of monthly Business Activity Statements

Mentoring of Junior Accountant. Preparation and submission of Fringe Benefits Tax Return

Review of Payroll Tax returns prior to submission

Preparation and submission of Research and Development claim .Maintaining of company asset register.

Maintaining of company leased vehicles. Assisting with the preparation of capital expenditure budget

Preparation of depreciation budget Preparation of monthly cash flow reports

Managed accounting operations, account reporting and reconciliations.

Directing all accounting processes and controls Maintaining and managing general ledger reporting.

Providing business and financial reporting to senior management

Producing budgets, forecasts and strategic plans.

Consulting, advising and directing divisions operations to achieving company financial goals

Manage counterparty credit risk. Inventory & Stock controls receiving & purchasing of company.

Administrative management of a staff tram.

Faysal Bank Ltd. Branch/Trade/SME Manager (Jan-2007 toMarch-08)

RVP Branch Manager Main Branch RWP

Duties & Responsibilities in Faysal Bank includes

Looking after main branch Rawalpindi along with business development and supervision of Trade SME Finance department of North Region

Regional Head of Trade Finance Dept (Import/ Export /Treasury and Bank Guarantees department of Rawalpindi/Islamabad and Peshawar Area) Both Front /Back offices.

Marketing of Trade Finance/ Corporate /SME/Treasury Products in area. Market / Manage Export and Import L/C solutions

Correspondence banking relationship / Positioning and trading.

Trade Finance Loans, daily books updating budgeting and looking after accounting system upto final level. Supervision of all Trade / Guarantees Documents (Imports/Exports).

Reporting to State Bank of Pakistan and work relating to Foreign Exchange transactions,

Established new trade market for Bank/introducing new treasury customers & developing existing relationships /responsible for market corporates & outgoing information to customers credit.

Created and structure new strategies which supported Pakistani companies on trade finance transactions./identification of customers needs./ Analysis of customers potentials and gaps operating results / create effective back ups in both business groups. Responsible for conducting reviews and evaluations for cost-reduction opportunities.

Hiring of suitable candidates into defined job descriptions/training to new and existing employees.

Meet the sales volumes and revenues targets set by the management

The Trade Business volume of the north area is more the Pak Rs 30.5 Billion per year (Aprox 480 Million United State Dollars per annum) with staff team strength of 18 persons in the department.

BANK ALFALAH LTD Branch/Trade & SME Manager (May-2004 – Dec 2006)

Worked with BANK ALFALAH LTD (one of the Pakistani Leading Private Bank owned by Al- Nahayan Group, Abu Dhabi, UAE), Rawalpindi.

1.Manager Trade Services /Foreign Exchange/SME and Treasury Department Rawalpindi region.

2.The aprox business of Rawalpindi branch was Pak Rs 15.Billion with staff strength of 13 persons The number of average LC’s established during a year is 1600. and SME portfolio aprox Pak Rs 750M

3.Branch Manager Airport Road Br, Rawalpindi from Feb 2006.

4.Accounts & Finance Manager for main Branch

5.Assist in the preparation of monthly management reports annual budgeting and AC/ Finance approvals.

6.Preparation and submission of bank Tax Return

ALBARAKA ISLAMIC BANK Branch/Operations Manager (March-1998 to May-2004)

Worked with AlBaraka Islamic Bank B.S.C (E.C) (A Bahrain Base Multinational Islamic Bank, Member AlBaraka Banking Group of Bahrain), Rawalpindi/Islamabad Branches for a period of 7 years

1. Operation Manager Rawalpindi Main Branch from Dec 2002 to May 2004

2. Acting Branch Manager Rawalpindi main Br Dec-2002 to May 2004.

3.Manager Trade Finance / Manager Operations Islamabad main Branch Feb-1998-Nov2002

4.Accounts / Administration and HR management.

5.Producing budgets, forecasts and strategic plans.

PICIC COMMERCIAL BANK LIMITED (Nov 1994 to March 1998)

Assistant Manager Operations / Commercial Finance

Worked with PICIC Commercial Bank Limited, Islamabad Branch for a period of 4 years in the following departments:

1)Credit Administration / Credit Finance (credit application preparation)

2)Operational Accounts & Finance Officer

3)Operations Assistant Manager

4)Trade Services Department Manager.

HABIB CREDIT & EXCHANGE BANK (May 1993 to Nov 1994)

Management Internee

Worked with Habib Credit & Exchange Bank Limited,( A subsidiary of Habib Bank Ltd) in its zonal office at the Mall, Rawalpindi (Pakistan) and has worked in the following sections:

1)Accounts and Finance department working.

2)Credit and Marketing.

3)General Banking.

4)Foreign Exchange Department.

M/S. MUNIFF ZIAUDDIN & CO, RWP. (Sept 1988 to May 1992)

(Chartered Accountants / Certified Public Accountants)

Four years training period completed with M/s. Muniff Ziauddin & Co, Chartered Accountants in Rawalpindi (Pakistan). One of the leading Chartered Accountants firm of Pakistan AND COMPLETED AUDIT OF the following Companies as a team leader.

1.Mustekhum Cement Limited, Dist: Rawalpindi

2.Lyllpur Cotton Mills Ltd, Faisalabad.

3.Holiday Hotel (Islamabad Hotel), Islamabad.

4.Fazal Ghee Industry, (A GCP unit in Islamabad)

5.Associated Ghee Industry (A GCP unit in Nowshera NWFP)

6.Kohinoor Textile Mills Limited. Rawalpindi

7.Various Government Semi Government Organizations

8.Various Textile Mills in Faisalabad.

AND WORKED IN THE AREAS OF Accounts / Income Tax / Stores and Material Departments of the companies.

Awards & Achievements:

1.Outstanding deposit mobilization achievement award -2014.

2.Outstanding deposit mobilization achievement award -2013.

3.Good performance Certificates of deposit mobilization award 2011/ 2009/2003 & 2002.

Banking Courses:

1.Various in house courses / training workshops on AML / KYC / Risk / Operations / Sharia / Trade / SME & Corporate Finance.

2.Various Banking courses conducted by NIBAF, Islamabad.

3.Various Banking courses conducted by Institute of Banking, Islamabad/Rawalpindi.

Authorized Signature category “A”

REFERENCES:

Available on Request

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