ABDUL RASHEED MEMON
Cell #: +92 300 2833 432
E-mail: adulrasheed8@gmail.com OBJECTIVE
To work with a dynamic organization that provides challenges and opportunities for growth to improve myself for the enhancement and satisfaction. Ambitious to apply my skills and abilities in related fields, willing to learn new things and constantly benefits of the organization, to make me valuable to myself, family, organization and my nation.
PROFESSIONAL EXPERIENCE
 November 2016 To December , 2021
Home Care Textile, Karachi, Pakistan
As Taxation (Income Tax & Sales Tax)
Responsibilities
Tax Accountant Job Description. Basic Function: The tax accountant position is accountable for the collection of tax-related information, reporting to taxation authorities at the federal, state, county, and local levels in a timely manner, and advising management on the tax impact of various corporate strategies.

Sales Tax & Withholding Tax
• Data Feeding Stock maintain & update with analysis,(online & Internal)
• Preparing of Tax,
• Tax Research
• Refund Claim Management.
• Tax Audit Representation,
• Preparing of Sales Tax Withheld Statement
• Tax Dispute Resolution,
• Submission of File Material at PRAL (FBR)
Income Tax & Withholding Tax
• Deduction of Income Tax for Salaried Person 149(Payroll Taxes) Deduction of withholding Tax for 165 venders Deduction of withholding Tax for 153 venders Submit of Tax Challan
• Submit of Monthly & Annually Statement of 149, 165 & 153 Individual Annual Income Tax Return File (Iris)
• Wealth Statement (Iris)
 March 2016 To November 2016
TCS Private Limited), Karachi, Pakistan
As Vigilance Security Officer

Responsibilities

• Worked at TCS Courier Service operational activities.
• Customer Service Debriefing in MMS & General Operation,
• Network Communications & Complains department.
• Check on all couriers randomly.
• Shipment forward to Pertain Department.
• Monitoring main security control room on screen.by (CCTV).
• D-manifest for all network shipments.

 January 2008 to 29th February,2016
HBL (Habib Bank Limited), Karachi, Pakistan
As Support Credit Analyst in Credit Initiation Department (CIU)
Position: “Quality Assurance Officer”
• Daily Approval/Decline Maintenance of applications and ensure all discrepancies are resolved before forwarding to Card operation.
• Daily systematic check on Maintenance of applications and error-logging for any discrepancies.
• Physical review of approved cases and ensure approved cases adhered to the policy.
• Assess customer financial documents and send for further verification / authentication if needed.
• Ensuring credit checks are completed & satisfactory.
• Reconciliation of approvals before forwarding to FRMU and tracking of pending or approvals with discrepancies.
• Actively participates and communicates in the team-based work groups that make up the Credit Department.
• Reconciliation of approved/declined cases before gets off.
• Apart of above responsibilities, be more vigilant upon following checks while reviewing of an application.
• Ensure that Debt Burden is calculated in accordance to current policy guidelines.
• Ensure customer credit bureau is current and assessed as per policy.
• Checking of verification report remarks, verification officer signature & stamp and validity of report while reviewing an application and assess risk involved in it.
• Signature which is appearing in the application form should match with CNIC/NADRA VERISYS.
• Ensure that the Misys information are matched with the application with customer personal details and print outs are attached with the file.
• Check L2 and L3 deviation properly updated on system for portfolio monitoring.

• Pre-screen cards applications & Calculate average balances of personal & companies account statement for evaluation of their financial position.
• Co-ordinate with verifications of South region for fresh & reroute cases & maintain pending verifications MIS on monthly basis.
• Co-ordinate with Rejection Review Unit (RRU) of SOUTH for sales concern issues.
• Reviewing & rechecking of daily cancelled & contested declined cases as per policy.
• Liaison with Fraud Management Unit (FMU) to detect fraud.
• Internal verification & External verification supervision.
• Lead the prescreening team.
• Finalize the application after review in system analyst level.
• Assigning of credit limit as per policy.
• After approval check all cases manually and systematically as policy criteria.
• In depth knowledge of system (CTL, MYSIS).
• Generate ECIB for all products by State bank of Pakistan in HBL

 JANUARY , 2006 TO 31TH DECEMBER , 2007
Standard Chartered Bank, Pakistan
As Support Credit Analyst in Credit Initiation Department (CIU)
Responsibilities
• Processing of Amex card, Visa card applications
• Supervise team of processors.
• Updated login MIS on daily basis.
• Prepare purchase requisition on monthly basis.
• Co-ordinate internal policy and operational issues with the credit department.
• Calculate average balances of personal & companies account statement for evaluation of their financial position.
• Great experience of phonic vigilance.
• Review of NADRA reports to check provided CNIC copy.
• Generate and review of e-CIB reports & calculate DBR as per prescribed Methodology.
• Resolve customer queries using Complaint Management System (CMS) at CIU end.
• Conducting cross verifications of random samples of credit cards verifications.
• To help out team members to retrieve any required case through record room.
• Update daily Number of Decisions / Approvals / Declines in monthly Decision MIS.
• Generate ECIB for all products by State bank of Pakistan in SCB

Other Working Experience

• Worked in Shabbier Sensitive Rubber Gas Kit Industries, As Computer Operator from 15-01-2005 to 30-12-2005
• Worked in Sammad Thread Works as a Thread Machine Operator From 19-01-1993 to 20-12-2004

ORGANIZATIONAL & INTERPERSONAL SKILLS

• Managing multiple assignments efficiently
• Interact independently and as a team member with all organizational levels.
• Take initiative, to plan, organize, evaluate, follow up & resolve problems in a timely manner
• Keep a positive & flexible attitude.

STRENGTH & SKILLS

• Keen initiative with full of determination and dedication and drive as a hard working individual
• Exhibit effective problem solving skills
• Task oriented with focus on deliverables in a timely manner
• Valuable team player with effective collaboration skills
• Versatile and able to adapt within a high pressured environment
• Hands on experience of Internet, e-mail, Google etc.

ACADEMIC QUALIFICATION

Bachelors of Arts Federal Government Urdu University 2011
Intermediate Federal Government Urdu College 2004
Matriculation Matric in Private Board of Karachi 2000


COMPUTER CERTIFICATIONS
• Certificate in Microsoft Office including MS Word, Excel, Free Hand, Adobe Photo Shop and internet ( 2005)
• Certificate of Achievement for Outstanding Performance, Received at HBL 2010-2011.
• Certificate of Achievement for Outstanding Performance, Standard Chartered Bank 2007.
• Completed a Course 100: ‘Achieving Superior Service TM’ in ‘Up! Your Service College’ (2013).


PERSONAL DETAIL
Father’s Name : M.Umer
Nationality : Pakistani
CNIC No : 42301-7268121-7
Date of Birth : November 13, 1979
Marital Status : Married
Domicile : Karachi, Sindh
Languages : English, Urdu
Address : Flat no. 504, 5th Floor, Cutchi Memon Khidmat Committee Building.
Tuhidee Masjid Road Chakiwara no.2 Karachi
Passport No. : EP9841212


References Will Be Furnished Upon Request