概要

To excel and execute my professional and technical skills and to enhance my abilities by working in a dynamic organization that provides a smooth career growth.

工作经历

公司标识
Branch Manager
U Microfinance Bank
Mar 2022 - 代表 | Bhakkar, Pakistan

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公司标识
Branch Manager
U Microfinance Bank
Mar 2022 - 代表 | Bhakkar, Pakistan

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公司标识
Relationship Manager
The First MicroFinanceBank Ltd.
Apr 2019 - Mar 2020 | Karore Lalisan, Pakistan

• Assist branch manager in managing asset sales team
• Responsible for loan files screening as per policy.
• Review and manage customer credit appraisals with newly hired LOs
• Review branch PAR and help LOs in recovery from OD clients
• Work closely with Sales team to identify new markets for business development
• Coordinate with Operations team for smooth working of data punching and disbursements
• Review and part of BCC of Loan files as per policy.
• Provide ongoing training and motivation to the credit staff
• MIS Reporting

公司标识
Loan Officer - MSME
Khushhalibank limited
Apr 2018 - Apr 2019 | Bhakkar, Pakistan

Market & sell KMBL MSME loan product – maximum loan amount up to Rs. 500,000.
• Identify new MSME/ small business enterprises in the assigned area, and achieve monthly targets.
• Responsible for generating new MSME clients
• Develop and analyze financial statements of the MSMEs in order to access the financial soundness of the business and his repayment capacity.
• Conduct loan appraisal, collect and verify detailed information (personal, business, guaranties and collateral pertaining to MSMEs) to open new MSME loan accounts.
• Responsible for processing relevant loan documentations and monitoring loan portfolio.
• Ensure prompt delivery, repayment of MSME loans and provide periodic portfolio information.

公司标识
Contracts Assistant
El Seif Engineeting & Contracting (ESEC)
Dec 2015 - Feb 2018 | Dubai, United Arab Emirates

• Coordination with Accounts department regarding payment certificates.
• Coordination with Procurement department regarding Cheque Issuance Memos, LPOs and Store Issuance Vouchers.
• Coordination with Administration & HR department regarding manpower and back charges.
• Preparation of payment certificates for suppliers as per contract.
• Preparation of payment certificates for subcontractors as per contract.
• Preparation of payment letters.
• Posting Bill of Quantities of in the accounting software “Build Smart”.
• Preparation of manpower back charge letters.
• Preparation of material back charge letters.
• Preparation of any other reports assigned by the Contracts Manager.

公司标识
Relationship Officer Asset Sale
Waseela Microfinance Bank Limited
Apr 2014 - Jul 2015 | Bhakkar, Pakistan

• Disbursement of secured & unsecured micro loans.
• Preparation of loan application documents.
• Managing and maintaining the existing portfolio.
• Generating new portfolio in addition to the existing one.
• Ensure 100% recovery of the disbursed secured & unsecured loans.
• Follow up on customers’ dues and delayed loan payments.
• Conduct field visits to ensure timely recovery of disbursed loans.
• Conducted quarterly meetings with customers to maintain a smooth relationship and to have an updated knowledge of the market.
• Prepared sales review reports on monthly basis.
• Prepared productivity report on monthly basis.

公司标识
Operations Risk Officer
Tameer Microfinanace Bank
Aug 2011 - Dec 2012 | Lahore, Pakistan

• Visited all north branches semiannually for branch operations review.
• Visited all financial centers semiannually for operations review.
• Monitored branch & central clearing operations on daily basis.
• Reviewed offsite risk reports on daily basis.
• Reviewed offsite Branch Operations Reports on daily basis.
• Visited all North Branches semiannually for Collateral (gold) Re-evaluation.
• Prepared Branch Operations Review Reports.
• Prepared Branch Collateral Revaluation Reports.
• Investigation and resolution of the Easypaisa Customer Complaints within given TAT.
• Monitored Easypaisa transactions through AML Risksecure
• Monitored AML reports and identified and reported the suspicious transactions to the Compliance department through AML Risksecure.

学历

National University of Modern Languages
硕士, , MBA‎
Financial Risk Management, Principals of Management, Corporate Finance
CGPA 2.8/4
2010
Govt College of Commerce Bhakkar
学士, , B.Com‎
Accounting
所占比重 59%
2008
Punjab Board of Technical Education Lahore
中级/A级, , D.Com‎
Accounts, Audit and Finance
所占比重 62%
2006
Board of Intermediate & Secondary Education Sargodha, Pakistan
大学入学/0级, , Matric in Science‎
Science
所占比重 69%
2002

技能

熟练 Admin Assistantce
熟练 Configuring Software
熟练 HR Policies Command
熟练 Legal Affairs Management
熟练 Opeartions Handling
熟练 Schedule Appointment

语言

熟练 乌尔都语
熟练 英语