Experience

• 

  Vrancor Group

  • Hamilton, Ontario, Canada

  • Accountant

    • Oct 2022 - Present
    • Hamilton, Ontario, Canada

• 

  The Village at St. Elizabeth Mills

  • Canada
  • 1 - 100 Employee

  • Intermediate Accountant

    • Apr 2021 - Dec 2022

  • Staff Accountant

    • Feb 2019 - Apr 2021

• 

  HBL - Habib Bank Limited

  • Pakistan
  • Banking
  • 700 & Above Employee

  • Manager (Unsecured Financing)

    • Mar 2018 - Aug 2018

    • Formulated, reviewed & recommended credit policies, procedures and strategies of unsecured consumer financing; personal loan and salary plus (running finance consumer product).• Implemented credit risk management framework that included; planning of policies and processes; guidelines and workflows e.g. product program manual, delegation of transaction lending authority, service level agreements, underwriting activities and policy updates.• Analyzed personal, business and financial information along with analysis and review of personal credit bureaus, commercial credit bureaus and bank statements. • Handled customer queries and complaints through service quality department. • Credit management through loss forecasting, establishing loss thresholds and planning strategies for different segments/constitutions.• Transaction lending authority of CAD 50,000 for personal loan deviation applications assigned by the global consumer banking head and head of risk management.• Audited of personal loan portfolio on monthly basis.• Quality assurance of pre and post approved applications every month.• Timely reported operational risk incidents on Statistical Analysis Software (SAS).• Made collection calls with regional managers and collection managers across Pakistan on daily basis to ensure delinquency is within the thresholds.• Proactively processed, monitored and managed credit financing of Unsecured Products.• Ensured compliance with central bank requirements.• Monitored portfolio performance and highlight segments where loss is high.• Proactive identified areas where expected loss is high and takes policy measures to mitigate risk.• Performed user acceptance testing (UAT) on changes pertaining to systems and applications used by consumer financing.• Developed, enhanced and tested applications on the system prior to implementation.

  • Assistant Policy Manager

    • Aug 2014 - Aug 2018

    • Formulated, reviewed & recommended credit policies, procedures and strategies of unsecured consumer financing; personal loan and salary plus (running finance consumer product).• Implemented credit risk management framework that included; planning of policies and processes; guidelines and workflows e.g. product program manual, delegation of transaction lending authority, service level agreements, underwriting activities and policy updates.• Analyzed personal, business and financial information along with analysis and review of personal credit bureaus, commercial credit bureaus and bank statements. • Handled customer queries and complaints through service quality department. • Credit management through loss forecasting, establishing loss thresholds and planning strategies for different segments/constitutions.• Transaction lending authority of CAD 50,000 for personal loan deviation applications assigned by the global consumer banking head and head of risk management.• Audited personal loan portfolio on monthly basis.• Quality assurance of pre and post approved applications every month.• Timely reported operational risk incidents on Statistical Analysis Software (SAS).• Made collection calls with regional managers and collection managers across Pakistan on daily basis to ensure delinquency is within the thresholds.• Proactively processed, monitored and managed credit financing of Unsecured Products.• Ensured compliance with central bank requirements.• Monitored portfolio performance and highlight segments where loss is high.• Proactive identified areas where expected loss is high and takes policy measures to mitigate risk.• Performed User Acceptance testing (UAT) on changes pertaining to systems and applications used by consumer financing.• Developed, enhanced and tested applications on the system prior to implementation.

• 

  EFU Life Assurance Ltd.

  • Karachi, Pakistan

  • Associate Underwriter/Financial Analyst

    • May 2013 - Aug 2014
    • Karachi, Pakistan

    • Underwriting of policies that initially come for screening and taking decisions for permitting policies to individual lives.• Assessment of risk profile and affordability of the customer based on the documents provided.• Responsible for assessing risk in life insurance policies at proposal level.• Authorized to release new policies up to a limit of CAD 10,000.• Worked as Financial Analyst in the finance department, reporting to Senior Finance Director.• Responsible for involving clients, bank reconciliation, issuing cheques to vendors and collaborating with business partners to attain corporate goals. • Established A/P, WIP aging and A/R aging system as well as determine safer credit limit for any given client.• Resolved months of backlogged work, restored order and organization to processes/records in disarray, researched and solved billing problems and corrected invoicing and journal entry errors that had previously been missed.• Developed web portal in collaboration with IT to automate the tax handling certificates resulting in clearance of 5 years of pending tax dues.• Supported the company’s F P&A team to compile weekly P&L forecasts.• Developed, implemented, monitored and reported key performance indicators and measures.• Performed bank and balance sheet reconciliations.• Managed Accounts Receivables with the mandate to ensure correct invoicing, timely collection of monies due, accurate cash receipts, thorough credit checks, and monitoring and reporting of deviations, aging totals and other A/R KPIs.• Worked with inter-company departments to build annual forecasts and budget. Prepared different scenario analysis and provided executive management with bridges explaining changes in assumption of each forecast scenario, as well as explanations of actual versus forecast.