• Projected annual figures for Collection and Recovery, including headcounts and incentive structures.• Conducted comprehensive cost-benefit analysis for the Collection and Recovery department, contributing to strategic decision-making.• Forecasted Non-Performing Loans (NPL) and Write-off Portfolio on a monthly basis, aligning with ACR requirements set by the State Bank of Pakistan (SBP).• Developed and updated Delinquency Management Manual, Collection and Recovery Strategy, and implemented incentive structures and benchmarks in alignment with Top Management's guidance.• Performed comprehensive variance analysis for collection and recovery achievements, conducting product, branch, and area-level assessments against predetermined benchmarks, specifically targeting NPLs and charged-off loans• Prepare monthly performance report of entire CRU staff along incentive to be disbursed in accordance with their monthly performance.• Optimized policies, ensuring smooth operations and minimizing financial risks in delinquency management

• Conducted financial performance analysis of different business units and product lines, identifying areas for improvement and providing insights to senior management for decision-making.• Conducted data analysis using statistical tools, and other data analysis techniques to identify trends, patterns, and insights that informed financial decision-making.• Prepared and presented financial reports including profit and loss statements, balance sheets, and cash flow statements, and conducted variance analysis to understand key performance indicators and reasons for significant variances.• Performing comprehensive monthly bank-wide deposit analysis to assess deposit stability, branch-specific concentration, identification of key depositors, and mapping the maturity of term deposits in correlation with the bank's advances (Maturity Gap Analysis)• Preparation and assessment of overdue accounts, collections efficiency, Prepayment analysis, default concentrations, provisions made against defaults, recoveries made against write-off cases, re-scheduling/ re-structuring, exceptions, write-offs, etc in light of internal and external guidelines (SBP, SECP).• Prepared monthly and quarterly risk review reports for the Risk Management Committee (RMC) and ALCO memorandums for counterparties' limits approval, incorporating financial data and analysis to support decision-making.• Identified and assessed financial risks and developed strategies to manage them, including monitoring market trends, analyzing financial data, and implementing risk management strategies.• Conducted ad-hoc analysis to provide insights and recommendations to senior management on specific financial issues or opportunities, analyzing data, identifying trends, and presenting findings in a clear and concise manner

• Developing and implementing supply chain strategies to optimize inventory levels, minimize lead times, and improve customer satisfaction.• Understanding the customer profile, performing financial analysis & determining the creditworthiness of the customer.• Managing the daily operations of the warehouse, including receiving, storing, and distributing products and materials in compliance with safety and quality standards.• Ensuring the accuracy of inventory records through regular cycle counts and physical inventory audits.• Working closely with suppliers to ensure timely delivery of raw materials and finished goods and managing supplier performance to ensure adherence to service level agreements.• Collaborating with sales and operations teams to develop and execute demand plans and production schedules.• Monitoring key performance indicators (KPIs) such as inventory turns, order cycle time, and order fill rate, and implementing corrective actions as needed.• Developing and maintaining relationships with carriers and logistics service providers to ensure timely and cost-effective transportation of goods.

• Analyzing market trends and customer demand patterns to forecast future demand and optimize production schedules and inventory levels accordingly.• Developing and implementing logistics strategies to optimize transportation costs and reduce lead times for inbound and outbound shipments. • Preparing and presenting supply chain performance reports to senior management, highlighting key performance indicators and areas for improvement.• Preparing sales and recovery report and performing analysis against targets.• Preparing receivables aging analysis and presenting these to BOD along with recommend actions.• Defining recovery targets in consultation with finance team to meet budgets. • Performing prospective dealer evaluation as per Company’s pre-defined criteria and recommending acceptance or rejection accordingly.• Ensuring adherence to credit limits by means of preventive, detective and corrective measures. • Daily monitoring of recoveries and recommending acceptance or rejection of sales orders accordingly to BOD, to ensure strict compliance with monthly milestones. • Preparing and presenting to BOD fortnightly and monthly account receivable report. • Ensuring timely liaison with regional Sales Managers to update and in-corporate daily recovery targets and perform due follow ups.• Assisting BOD in product pricing and discount management.

Responsibilities: • 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, cheque and credit card accounts• Complete financial management reports• 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• 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• Other administrative and operational tasks as needed• Ad hoc reports and tasks as required

• Financial reporting and analysis• Financial planning and analysis• Net present value and Internal rate of return calculations• Bank reconciliation statement• Accounts receivable and payable management• Provide real picture of business to stakeholders

• Conduct Financial Analysis on NASDAQ and S&P 500 listed Stocks• Write Financial Research Report on Small Cap and Large Cap US Stocks• Gathers financial information from Reuters and Bloomberg Site• Comparison companies with Peer companies and take decision on it• Conduct credit analysis

Visiting Lectureship:I have taught Management Subjects in this Institute.• Economics• Banking and Finance• Management

Working as part of a team within a fast-paced environment in the Education services industry dealing with student, Suppliers and hostel top Management. Responsible for developing financial forecasts, Inventory Report and generating internal management reports.

Sales Representative