A confident, hardworking and self-motivated individual with experience of working within General Banking, Consumer Banking, Audit, Accounts and Finance environment.
More than 10 years of Accounting, Finance, Retail and Consumer banking experience having extensive knowledge of retail banking Credit Cards, Auto Finance, Loans, Distribution and Quality Assurance and ERP Systems.
Strong analytical ability, proven history of setting high performance teams, developing managers. Always ready excited to develop or turnaround challenging businesses
Detail-oriented, improvement-driven with excellent communication, problem-solving and analytical skills. A reliable, focused and computer literate individual that possesses a professional manner, flexible approach to work and the ability to work under own initiative or as part of a team.
Ability to do multi-tasks, integrating the work of other individuals to accomplish defined and prioritized activities. Quick to adapt new software and techniques and consistent to deliver tasks on commitments.
Specialties Delivering business results through structured and analytical thinking blended with bias for action. Implementing revenue initiatives designed for delivering near term results and long term business sustainability.
Responsible for Finance and Accounting department overall performance.
Ensure adequate documentations for payables, receivables and timely updating accounting records and reconciliation process
Timely preparation of reliable management reports and financial statements, coordinating with both external and internal auditors and completing audit timely and release of audited financials well before deadline.
Preparation of reliable overall budgets for the company detailed to departments and sub departments, analysis of variance versus budget and substantiating with correcting measures and other documentations.
Maintaining healthy working atmosphere with all departments and ensure company financial policies are observed properly.
Participates in making company business plans. Reviews and advise on business maters having significant financial and profit implications, including major sales and purchase contracts, join venture participation, capital expenditures, staff expansion, agency agreements.
Coordinates preparation of operating and capital budgets. Monitors performance against budgets. Identifies problem area, advise on corrective action.
Ensures that all regular financial reports are prepared accurately and on time. Identifies needs for special reports and analyses and arrange for preparation. Evaluates reports.
Forecasts and monitors Cash Flow. Deals with the company’s Treasury on cash requirements and foreign exchange transactions. Ensures proper management of cash to meet needs and maximize return on assets.
Directs company’s accounting system to ensure maintenance of complete, accurate and timely financial and operating information.
Directs development of new and improved accounting and financial management systems and procedures in compliance with legal requirements and standards of good practice.
Ensures operation of sound credit and collection program to facilitate sales and minimize credit losses.
To ensure that operational and front office activities run smoothly and carried out appropriately. This includes operational tasks such as authorizing transactions and checking reports. Handle reconciliation of accounts and departmental coordination. Assumes responsibility and managerial duties in the absence of Branch Operations Manager. To perform other branch functions such as Cash officer and Teller to facilitate functioning of the department and customer service delivery when ever required.
Main Tasks and Responsibilities
Check assigned front office transactions.
Prepare periodical MIS and submit to concerned units.
Print & distribute relevant reports, ensuring report review sheets are appropriately signed.
Carry out branch related administrative tasks assigned.
Process & scan Outward Clearing Cheques.
Ensure proper lodgement of voucher bundles.
Process inward / outward mail.
Monitor and reconcile GL and suspense accounts.
Provide support regarding archiving of obsolete documents and maintenance of branch records.
Conduct quality check and scanning of account opening documents and forward to OM for system authorization.
Ensure safety and security of voucher bundles and all branch reports.
Organise the dispatch and retrieval of vouchers and other records from the Archives as required
Assist in retrieving PDCs / voucher copies /statements as per customer requests.
Collect cheque deposits from the drop box, process and scan through Roseta
Handle branch inward and outward mail.
Pint reports and distribute to concerned staff.
Handle department filings.
Maintain branch main and temporary key register.
Assist in administration of branch utilities and accounts reconciliation.
Promote services and products of the bank to help achieve business goals and maintain customer relationship.
Handle customers queries, complaints and resolve.
Keep the operation manager informed of all maters pertaining to process deviations or risk involved.
Worked as In charge Operations Consumer Finance pan Pakistan, to manage the operations of all units across Pakistan to process credit cards, auto finance and home finance payments and settlements. Management of overall operations, ensuring efficiency, effective controls and maintenance of quality service level. Ensuring proper daily checking of departments activity report, monitoring of suspense and reconciliation of accounts in line with prudential regulations and organization’s procedure and policies. Management of department operations pertaining to Clearing, General Ledger Posting, and Online Posting. Management of credit cards, auto finance and home finance payments through Cheques, Debit Authorities, and Direct Debits pan Pakistan according to defined policies and procedures. Management of reversals and adjustments regarding credit cards, and auto finance transactions. Management of Clearing and Online Payments Modules. Coordination with Collection and Recovery Departments pan Pakistan for the processing of represented auto finance and home finance payment cheques. Monitoring the process flow of auto finance, home finance and credit cards. Management of auto finance, home finance & credit cards MIS’s (Acquiring, issuing, Reversals & Adjustments, Payments Processing through cheques, auto debits & debit slips) from all Operation Departments pan Pakistan on daily basis to ensure that the payment instruments and processing of transactions have been done timely and according to policies and procedures. Maintenance and updating of record keeping in such manner that will provide effective information to management according to Audit Standards. Assurance of quality customer services and handling of customer complaints promptly and effectively.
Act as a point of contact for Executive Team, determine the importance and urgency of all enquiries and dealing with them or routing them through the most appropriate person for response. Schedule meetings and arrange conference rooms. Alert manager about cancellations or new meetings. Manage travel and schedule. Handle information requests. Prepare correspondence and stuff mail into envelopes. Arrange for outgoing mail and packages to be picked up. Prepare statistical reports. Manage spreadsheets. Greet and receive visitor. Prepare confidential and sensitive documents. Coordinates office management activities. Determine matters of top priority and handle accordingly. Prepare agenda for meetings. Takes and transcribes dictation. Helps prepare office budget. Plans events and volunteer activities. Maintain office procedures.
Responsible for bookkeeping, preparing financial statements, maintaining cash controls, maintaining accounts payable and receivables, assisting with budgeting for the firm, and fulfilling local compliance requirements with respect to Financial Accounting Responsible for Administrative functions and HR-related tasks related to, or with an impact on Financial Accounting. Prepare and examine accounting records and financial statements to assess accuracy, completeness, and compliance with reporting standards and procedures Assist in developing and analyzing budgets, completing periodic reports that compare budgeted costs to actual costs Prepare monthly reconciliation of all cash, cheques and credit card accounts Complete financial management report Responsible for data entry of payments, bank deposits, bills payable, etc. Assisting in day to day activities of the accounts/finance department Report to management on the financial position of the firm Maintain records of financial disbursements/receipts of firm Assist with annual and internal audit Maintain financial files and records Maintain and control accounts payable and accounts receivable Verification of the invoices received from vendors and preparation of payments on timely basis Liaison with counter-parties when required, banks, vendors and customers