Cash Flow & Treasury Analyst

• Oct 2021 - Present

Treasury Manager

• Jan 2019 - Oct 2021

• Monitoring and managing the organization’s bank relationships and liquidity management.• Managing foreign currency exposure and foreign currency payments.• Analyzing various scenarios and risks and reporting to senior management. • Management of Local and international credit lines, letter of credits, Murabahas, and corporate guarantees. • Manage all aspects of cash flow of the company – weekly, monthly, annually.• Forecasting of medium and long- term funding and hedging requirements.• Administers all local and international trade finance activities.• Working with management on business strategies.• Bank account setups and maintenance of user’s profiles as per compliance guidelines.

Manager Banking & Treasury

• Nov 2015 - Oct 2021

Mawared Energy a Group with c. USD 300 Million Turnover. • Management of Group banking facilities of (c. 100 Million USD).• Monitoring and managing the organization’s bank relationships and liquidity management.• Managing foreign currency exposure and foreign currency payments.• Management of company investment portfolios.• Analyzing various scenarios and risks and reporting to senior management. • Liaison with collection, receivables and payable departments for cash flow requirements. • Management of Local and international credit lines, letter of credits, Murabahas, Trust Receipts, invoices and PDC discounting and corporate guarantees. • Manage all aspects of cash flow of the company – weekly, monthly, annually.• Forecasting of medium and long- term funding and hedging requirements.• Preparing management and board reports.• Preparation of everyday cash position report comprising of forecasting quarterly cash receipts plus disbursements.• Assists in preparing and managing annual budgets and forecasts.• Administers all local and international trade finance activities.• Working with management on business strategies.• Management of Group banking facilities, cash flow and cash requirements.• Bank account setups and maintenance of user’s profiles as per compliance guidelines.

Credit Portfolio Analyst

• Mar 2014 - Nov 2015

A well known government bank of Pakistan with c. 4.8 billion USD Turnover. • Preparation of Credit portfolio’s Performance analysis report.• Preparation of Country Wide NPL and Provision statements. • Analysis of NPLs in different aspects & Conduction of Valuations for Taking FSV Benefit.• Preparation of with and without FSV benefit note and its impact on financials. • Preparation of Reversal of Provision Statement and Submission to SBP. • Preparation of early warning Statement for every credit Portfolio. • Preparation of RCOA Statement and Projections in NPLs. • Preparation of Statement of Loans against FE-25 and Liquid Securities. • Preparation of Fresh Disbursement and Lease Key money Statements. • Ensured compliance to Standard procedures prescribed by Management. • Facilitation to Internal, external and Central Bank Audit during Inspection.

Trade Finance Officer

• Dec 2012 - Mar 2014

A leading private bank of Pakistan with c. 5.3 Billion Turnover• Negotiation of Export Documents. • Advising & Transfer of LC’s, Amendments to respective branches and customers. • Processing of Import / Export Loans, FAPC, Trust Receipt, and Export refinance.• Scrutiny (1st and 2nd check) of export documents according to Contracts, LCs. • Good understanding of UCP 600, URC 512 and ISBP 745 for examination DCs.• Good knowledge of Bid bond and performance bond Guarantees. • Good knowledge of MT102, 103,199, MT700, 707, 750, 754, MT405, 412,416.• Sending tracers to different foreign and local banks for export and import documents. • Booking of Internal and foreign bank charges and commissions in the core banking system. • Preparation of covering letters for export documents & sending them to foreign banks. • Preparation of different Trade Business reports of Central and North Region. • Good knowledge of Financial Instruments.

General Banking Officer

• Jan 2012 - Dec 2012

• Issuance & Balancing of Call Deposit Receipts, Term Deposit Receipts, Cheque Books, Debit/Credit Cards, Demand draft and Pay orders.• Have Good Knowledge of Branch SOD & EOD Process. • Maintains Monthly Branch Efficiency Logs. • Posting & Balancing of Inward & Outward Clearing. • Managing of Home Remittance.• Account Opening, Account Closing, and Product Sales Activities. • Branch Training to the new Recruits\Management Trainees. • Receive and Respond to Customer Service Account Inquiries on Account Balances, Transaction Details, Statements, Fees and Charges. • Keeps Staff Informed of Pertinent Changes in Operational Policy and Procedures. • Schedules Adequate Insurance Coverage for Cash & ATM. • Ensure Effective Customer Services and Achieve all Customer Expectation. • Ensured Compliance to Standard Procedures Prescribed by Management.

Senior Accountant

• Jan 2010 - Jan 2012

An emerging company in electronics with c. 5 million USD turnover. • Closing and finalizing of Accounts, submission of periodic reports to the Management. • Handling Cash and Bank activities.• Weekly reconciliation of bank statements and Petty cash. • Preparation of Cash Flow and receivable and payable projection. • Monitoring of dispatch section for timely dispatch of sales invoices. • Preparation of aging & analysis summary and following up for dues. • Collecting and allocating receipts from local and export customers and reconciling customer’s accounts on monthly basis. • Preparation of Cheques, TRs and LC documents for local and export customer / suppliers.