Al Baraka bank Pakistan Limited is a Multinational Group with over 113 billion of assets; workforce of over 2500 professionals and a network of around 185 branches in 100 cities across Pakistan. Al Baraka Bank Pakistan limited is devoted in providing customers with a range of shariah compliant products to suit their banking needs

Finance Trainee Officer (June 2018 – Present)

As a Credit Analyst I assure that customer has the credit credibility and would be returning the loans sanctioned, either its Auto loan or House loan product of the bank, precisely following companies predefined policies and procedures.

Key Responsibilities: -
• Analysis of CARSAAZ application at Credit Initiation Unit
• In depth analysis of client financial position to ensure loan facility only provide to financially strong customers
• Reviewing Income estimations and calculation of client Income and debt burden as per the requirements of the facility
• Responsible for processing Auto loan and House loan applications according to policies and procedure of bank
• Checking of authenticity of attached documents with CARSAAZ application
• Monitor all issuance process, resolve the queries & co-ordinate with all concern departments to ensure smooth processing
• Ensure that policies and procedure strictly followed for workload management and assigned tasks
• Decision of application for facilitating the applied customers or decline the request as per policy
• Complete working of file from the time of login till disbursement
• Ensuring that all requirements of the renewal process are completely adhered as per policy without any compromise
• Timely reporting of any suspicious information to the management
• Responsible for the resolution of all discrepant issues
• Maintain all files and keep record of their updated status
• In depth analysis of ECIB reports
• Preparing monthly reports for the unit head.
• Prepare periodic reports as per the requirements of the management

QMobile is the largest mobile phone selling brand in Pakistan, selling more than one million feature phones, smart phones and tabs, cumulatively, on a monthly basis.

Senior Internal Auditor (June 2016 – June 2018)
As an AR Specialist I was hired to monitor and, where possible, improve overall health of company’s Rs. 5.5 billion or $55 million worth receivables. My key achievements during this time have been: -
• successfully managing portfolio of over 1100 customers spread over two countries and various segments.
• highlighting stuck payment and sundry accounts which led to company realizing funds over Rs. 500 million or $5
million
• aiding in improving company’s recovery by 34% on a monthly basis
• successful execution of QMobile’s annual convention 2016 i.e. Rs. 1.2 billion or $12 million company-wide discount
• reduce market exposure by more than 40% (Rs. 4 billion or $40 million) by rationalizing credit limits of customers
• design new processes and mechanisms along the trading cycle which enabled QMobile to become billing disputes
free for the first time since inception in 2009
Key responsibilities: -
• oversee planning and execution of balance confirmations
• liaison among various departments and develop controls to resolve customer disputes on real-time basis • being first point of contact for customers in a dead lock scenario
• review and approve allocation of discounts to customers
• assist in timely collection of monies by preparing periodic ageing reports for CEO
• develop and improve customer screening mechanisms prior induction
• ensure credit limits are assigned to financially sound customers
• suggest customized credit control policies for individual customers
• oversee execution of tri party agreements
• highlight potential bad debts and suggest revised trading terms
• forecast recovery collection on a monthly basis.