Baleeghuddin Acca, Mba Finance [Gold Medalist] . Email & Phone Number

Karachi, Pk

Karāchi, Sindh, Pakistan

Supervising a 40+ member team in the areas of Banking, Trade Operations, Receivable & Payable sections with following key functions :  Treasury & Risk Management, Cash Flow Planning Capital structuring (Working Capital & Project Financing) Preparation / Evaluation of Cash Flow forecasts Monitoring & Reporting of Receivable & Payable  Forex & Liquidity management through forwards / foreign currency financing Gen/Marine Insurance / Value at Risk Management Liaison with Banks / FIs / Auditors / Regulators / Stakeholders

Karāchi, Sindh, Pakistan

> Supervision of overall Treasury Operations of the 3 Divsions including Auto (KIA & PEUGEOT) and Mobile (Samsung)> Liquidity Management through optimal utilization of funds and placement of Investments at Mutual Funds / Banks> Looking after all types of foreign payments (including Royalty, Contracts etc.) through Banking Channel> Managing International Trade affairs (opening of LCs, issuance of Shipping Guarantees, Import Retirements, LC Amendments etc.)> Looking after renewal / enhancement / fresh banking facilities> Monthly Closing and Preparation of Treasury related Schedules for Financial Reporting> Security charge creation and SECP related matters> Recording of business transactions in SAP

Karāchi, Sindh, Pakistan

Reporting to : CFO & Company SecretaryDepartment & Location: Finance Department, Head Office, Karachi. Pakistan.RESPONSIBILITIES✔ Overall cash management & liquidity planning.✔ Forex transactions with Banks including rate locking & hedging.✔ Procurement of debt finances at competitive rates and overseeing financial investments at best possible rates.✔ Review of legal agreements / financing docs for execution with Banks / Clients / Vendors and negotiations of financial covenants.✔ Receivable monitoring / collection & submission of Govt. Taxes and duties (including Sales Tax, Income Tax etc).✔ Finalization of Bank related disclosures / notes, for reporting in Financial Statements.✔ Communication with local and foreign stakeholders (including Financial Institutions & Equity Investors) through emails / presentations.✔ Assisting the Company Secretary in performance of Corporate Secretarial matters.KEY ACCOMPLISHMENTS✔ Financial close of local Syndicate Term Finance Facility of PKR 16.2 Billion in Islamic financing mode (Diminishing Musharaka) for mega expansion project of USD 235 Million (equiv. PKR 25 Billion).✔ Key part of the team to achieve foreign currency financial close for debt / equity clocking around USD46Million with prestigious multilaterals, including both international debt financiers and equity investors, namely ICD (Saudi Arabia), DEG (Germany), OFID (Europe) and IFU (Denmark).✔ Revamped Security Structure of the company by creating Joint pari passu charge through Security Trustee along with elimination of overlaps, excess charges and additional collaterals.

Karāchi, Sindh, Pakistan

Reporting to : CFO & Company SecretaryDepartment & Location: Finance Department, Head Office, Karachi. Pakistan.RESPONSIBILITIES✔ Overall cash management & liquidity planning.✔ Forex transactions with Banks including rate locking & hedging. ✔ Procurement of debt finances at competitive rates and overseeing financial investments at best possible rates.✔ Review of legal agreements / financing docs for execution with Banks / Clients / Vendors and negotiations of financial covenants.✔ Receivable monitoring / collection & submission of Govt. Taxes and duties (including Sales Tax, Income Tax etc). ✔ Finalization of Bank related disclosures / notes, for reporting in Financial Statements.✔ Communication with local and foreign stakeholders (including Financial Institutions & Equity Investors) through emails / presentations. KEY ACCOMPLISHMENTS✔ Financial close of local Syndicate Term Finance Facility of PKR 16.2 Billion in Islamic financing mode (Diminishing Musharaka) for mega expansion project of USD 235 Million (equiv. PKR 25 Billion).✔ Key part of the team to achieve foreign currency financial close for debt / equity clocking around USD46Million with prestigious multilaterals, including both international debt financiers and equity investors, namely ICD (Saudi Arabia), DEG (Germany), OFID (Europe) and IFU (Denmark).✔ Revamped Security Structure of the company by creating Joint pari passu charge through Security Trustee along with elimination of overlaps, excess charges and additional collaterals.

Karāchi, Sindh, Pakistan

Reporting to : Divisional Head / EVPDepartment & Location: Financial Control Division, NBP Head Office, Karachi. Pakistan.Responsibilities:✔ Preparation of Standalone Financial Statements of the Bank & related notes / disclosures, including passing of closing / adjusting / reclassification entries.✔ Collect, organize & filter relevant financial data to present summary / short report, for review of senior management, recommending prudent business decision.✔ Liaise with Consultant/External Auditor, Compliance Group and Internal Audit, for achievement of related milestones.✔ To prepare vital Management Reports from Finance (on monthly position of Deposits & Advances etc.) for presentation in Assets & Liabilities Committee (ALCO) of the bank.✔ Key resource from Finance for liaison with State Bank of Pakistan (Central Regulatory Authority) Annual Inspection Team, External Auditors and Internal / Management Audit Teams in execution of Statutory / Regular / Special Audits.✔ Periodic review of updates in the applicable local / international laws / regulatory policies / best practices in relation to Financial Reporting (Banking Companies Ordinance, IFRS, guidelines from SBP and other regulatory bodies).✔ Review / updating of policies and providing feedback on significant policies / issues to the concerned Group originating the policy / Compliance Group to ensure bank wide compliance of policies.✔ Liaison with BPR COSO Consultant / Project Monitoring Unit as focal person of Finance to achieve COSO Implementation at the bank.Key Accomplishments:Involved as the key person in drafting / formulation of Accounting / Financial Policies of the bank for presentation / approval to Senior Management & Board Committees, including Board of Directors.✔ Formulated TOR of the Department & Related Party Policy of the bank.✔ Revamped Accounting Manual of the Finance Division.

Karāchi, Sindh, Pakistan

Reporting to : Divisional Head / EVP Department & Location: Corporate Credit Division, Credit Management Group, NBP Head Office, Karachi. Pakistan.Responsibilites:✔ Assessing feasibility of working capital /project financing / long-term loans of corporate clients for making lending decision along with restructuring, if required.✔ Annual Portfolio review of corporate clients availing working capital / term finance loans which included quantitative analysis and review of qualitative factors.✔ Quantitative analysis (Analysis of Financial Statements: vertical / horizontal / ratio Analysis with an emphasis on liquidity, debt and performance ratios).✔ Review of qualitative factors (industry & economy updates /borrower’s banking conduct, group profile, repayment history etc).✔ Preparation and Analysis of Debt Capacity Models to analyze funds requirement and borrowing capacity of the clients.✔ Analysis of feasibility reports / financial projections /forecasts to gauge viability of project financing for BMR of existing project or installation of green field projects.✔ Ensure adherence with bank policies & SBP Prudential Regulations regarding Credit and Risk Management & recommending any change required.✔ Work as deputy team leader to train, plan, and coordinate the work assigned.Key Accomplishments:✔ Received Best Performer Award twice (2010 & 2012) & mentored/trained several new comers/trainees.✔ Handled the most typical cases involving project financing & restructuring while being well-liked by seniors for technical business analysis and insightful comments.

Karāchi, Sindh, Pakistan

Reporting to : Department Head / Manager Department & Location: Retail Credit Department, NBP Main Branch, Karachi. Pakistan.Responsibilites:✔ Supervised Margin Finance (Financing against Shares) & Personal Loan products, handling an aggregate portfolio of PKR. 51 Million.✔ Loan initiation and monitoring of Operations / Recovery: Approval, disbursement, legal documentation, trading activities, settlement of transactions along with monitoring NPLs, recovery and adjustment of Loan Accounts.✔ Maintaining Customer Front Desk, handling of customer requests / queries and their resolution.✔ Dealing with all correspondence and reporting of both products to Head Office, Regional Office and State Bank of Pakistan.Key Accomplishments:✔ Controlled adjustment of personal loans through proceeds of Voluntary Handshake scheme of a large telecom client, being focal person of the bank, ensuring 100% recovery of bank’s Personal Loan portfolio.✔ Maintained “Zero Default Rate” for all cases processed / sanctioned during my tenor while effecting significant reduction in the previously stuck-up portfolio.

Karāchi, Sindh, Pakistan

Reporting to : Department Head / Manager Department & Location: Remittances Department, NBP Main Branch, Karachi. Pakistan.Responsibilites:✔ Received Rotational on Job Training in all departments of the bank including Credits, Foreign Exchange and General Banking Operations etc.✔ Theoretical Training at State Bank of Pakistan, Institute of Bankers Pakistan & NBP Staff College Lahore on topics including International Trade, UCP guidelines, SWIFT communications, L/C issuance & retirement, export documents scrutiny etc.✔ Gained bird’s eye view of all banking operations including Credits, Foreign Exchange and General Banking Operations.✔ Worked as Authorized Signatory dealing with Issuance / payment of various bank instruments including TT, MT, DD and Pay Order.

Karāchi, Sindh, Pakistan

Reporting to : Department Head / Manager Department & Location: Asset Repayment Operations Deptt, Regional Office, Karachi. Pakistan.Responsibilites:✔ Reviewing of various financial transaction reports.✔ Daily, monthly & quarterly proofing of GL accounts of mortgages.✔ Monitoring of booking, disbursement, repayments and other activities of mortgage customer accounts✔ Closing / settlement of installment loans products.

Acca (Member), Accounting And Finance

Mba, Finance (Gold Medalist), Secured First Position In The Department.

Activities and Societies: ✔ Served as elected Class Representative (CR) for consecutive two semesters. ✔ Actively participated.

Cleared Level I Of The Cfa Program, Investments & Financial Analysis