Experience

Universal Brushwares (Pvt) Ltd

• Pakistan
• Wholesale Building Materials
• 1 - 100 Employee

• Manager Supply Chain & Operation

  • May 2022 - Present

  Karāchi, Sindh, Pakistan



Merit Packaging Limited - A Lakson Group Company

• Printing Services
• 100 - 200 Employee

• Associate Manager Finance & Supply Chain & Projects

  • Aug 2019 - May 2022

  Karāchi, Sindh, Pakistan

• Deputy Manager Finance & Supply Chain & Projects

  • Jan 2017 - Aug 2019

  Lahore, Pakistan Finance. Supply Chain. Admin. HR. Project Management.

• Asst. Manager Finance & Supply Chain

  • Jan 2016 - Jan 2017

  Lahore Finance & Accounts. Supply Chain. HR. Project Coordination.

• Sr. Accountant

  • Jun 2014 - Jan 2016

  karachi • Sales (Closing & Reconciliation). • Sales Tax (Reconciliation & Uploading To F.B.R). • Trade Debts Accounts (Reconciliation). • Receivables (follow up with clients). • Aging ( Developments & Analysis) • Debit/Credit Notes Preparation. • Generate Reports for Audit Committee. • Working in ERP Software (Oracle). • Budgeting. • Project Costing. • CWIP.

• Accountant

  • Oct 2013 - Jun 2014

  Karachi • Invoicing. ( Generate Invoice, Verifying with Dispatch Advice and P.O) • Receivables.( cheque application against invoice along with tax calculation) • Aging Analysis. • Reconciliation with Customers. • Monitoring of Daily Overdue Positions. • Maintaining file for all Receipts & Invoices. • Working in ERP Software (Oracle).



Advans Pakistan Microfinance Bank Limited

• Pakistan
• Banking
• 100 - 200 Employee

• Team Leader / Member Credit Committee

  • Oct 2012 - Oct 2013

  Karachi Conducted in-depth credit risk review of individual borrowers by analysing purpose of loan, line structuring, primary/secondary recourse, financial analysis, Client and Credit risks and mitigation of risk, collateral appraisal, management appraisal, annual / interim review of credit limits, industry analysis, credit monitoring and compliance of bank’s own/ Regulator’s policies. In addition, lead and develop a team of 6-8 ROs, ensuring the delivery of overall team revenue, market coverage… Show more Conducted in-depth credit risk review of individual borrowers by analysing purpose of loan, line structuring, primary/secondary recourse, financial analysis, Client and Credit risks and mitigation of risk, collateral appraisal, management appraisal, annual / interim review of credit limits, industry analysis, credit monitoring and compliance of bank’s own/ Regulator’s policies. In addition, lead and develop a team of 6-8 ROs, ensuring the delivery of overall team revenue, market coverage, quality service and operational risk objectives. Capable of evaluating a borrower’s financial condition and their ability to repay. To undertake risk assessment analysis/credit evaluation/financial analysis of various types of lending proposals to gauge the creditworthiness of clients (individuals). To ensure that the approval of credit is in line with the credit policy and legal, compliance and other regulatory requirements. To ensure that the team meets agreed business targets for business development. To ensure that each RO is working to a personal business development plan and is on track to meet objectives. To lead manage key client relationships within the team and ensure that a Client Plan is followed for each key client. To ensure that service, operational risk and compliance standards are maintained within the team. Work with Regional Head and colleagues Maintain a personal client portfolio, by acquiring, developing & servicing long-term relationships with micro clients. Work closely with different micro and SME Clients to provide them the best products which suits their business needs to develop and grow the business by identifying product and market development opportunities and helping to realize them. Protect the bank by ensuring the highest standard of rigour in client due diligence, operational risk management and client advice and servicing. Experience in training, management and capacity building.

• Customer Relationship Officer - Credits

  • Oct 2012 - Mar 2013

  Karachi Conduct loan appraisal and collect detailed information (personal, business, and guaranties) on the field. Deal with customers and to deliver a commercial speech including all the explanation concerning Advans Pakistan products and services. Meet objectives (quantitative and qualitative) determined by operations department and branch manager. Manage the information by using the MIS and keeping records in client files.