 Responsible for financial management and reporting ensuring compliance to local and Global laws and professional pronouncements for Shariah and Conventional Funds, Asset Management, Investment Administration, Transfer Agency, Insurance, REIT’s, Property and Fiduciary Companies and Trusts within South Africa, and Europe. Involved in the system re-design & implementation of SAGE X-3 in liaison with SAGE South Africa and Implementation Partners, for Investment and Insurance Companies Involved in the system re-design & implementation of MDA Property Manager in liaison with MDA Property Systems Responsible for Group Consolidation Reporting for all businesses to the CEO and Board of Directors Prepare and present financial and strategic updates to senior management and monitoring of the same Responsible for preparation and submission of the annual budget and its monitoring Liaison with the company’s bankers, advisers and lawyers on Financial, Taxation & Corporate issues, and with the company’s auditors, resolving their queries and ensuring that the audit is executed in a timely fashion

Responsible for advisory on all financial management and reporting matters of clients, locally and international clients System alignment and revamp projects for International Clients Responsible to ensure compliance on all secretarial matters of clients to statutory reporting rules, regulations, and laws in the preparation and submissions to various authorities. Involved in smooth systems design and advisory on implementation of ERPs and automation for clients Involved in the system re-design & implementation of new business processes for clients to reduce cost and achieve effective productivity Prepare and present financial and strategic programs to clients Liaison with banks to arrange financial supports for clients

-Responsible for financial management and reporting ensuring compliance to local laws and professional pronouncements-Responsible for all secretarial matters of the company ensuring strict compliance to statutory reporting rules, regulations, and laws in the preparation and submissions to various authorities.• Involved in the system re-design & implementation of IGIS in liaison with services providers • Prepare and present financial and strategic updates to senior management and monitoring of the same-Responsible for preparation and submission of the annual budget and its monitoring-Responsible for all Fund Accounts viz. Provident Funds.• Managing and maintaining liaison with Branches for smooth collaboration between Head office and branch teams ensuring timely collation and consolidation of information• Responsible for public relations with stakes holders and authorities• Responsible for revision of the company Memorandum and Articles and adoption of the same including consolidation of shares and revision of Par value-Responsible for all Secretarial Matters, profit distribution and filing of all annual returns-Handled filing and launch of Takaful Window-Liaison with the company’s bankers, rating agencies, advisers and lawyers in Karachi on Financial, Taxation & Corporate issues, and with the company’s auditors, resolving their queries and ensuring that the audit is executed in a timely fashion

-Joined as Manager Controls Unit; elevated to Head of Risk Containment Unit in 2009 and Business Analytics Head in 2012-Responsible for formulating and monitoring sales targets and performance for the entire Retail Bank including the Consumer Portfolio-Prepare responses for Board of Directors, SBP, Auditors on all financial issues related to the Retail Bank-Issue regular analytical reports on various businesses’ key performance indicators-Prepare and monitor feasibility studies and sensitivity analyses for various businesses-Review and recommend approval requests for waivers of charges from branches and consumer team-Review and recommend approval for all financial expenditures of Retail Bank-Head Office-Perform profitability analyses for new initiatives and monitoring of the same-Lead monthly business reviews of the retail bank with cross functional teams-Liaise closely with the Finance function on annual budgeting and monthly, quarterly and half-yearly forecasts, ensuring timely submission of information and challenging Business’ forecasts and plans-Prepare and present financial and strategic updates to senior management-Heavily involved in the restructuring of the Consumer business including financial projections and monitoring, headcount rightsizing and remapping processes-Marketing and Consumer Group nominee for Internal and State Bank audits; responsible for ensuring timely provision of information, early resolution of any queries raised and continuous monitoring of resolutions-Leading a project for the remodelling of the Collections and Recovery structure of the Consumer Portfolio-Led the project for establishment of Country Wide Collection Call Centre in Compliance of SBP’s Fair Debt Guidelines-Held Interim Responsibility for Collections & Recovery as Regional Recovery Head South-Liaise closely with the I.T. department for implementation of new systems for the Bank, including testing, gap analysis and prioritization of customization projects

-Prepared and monitored feasibility studies and sensitivity analyses for new businesses-Involved in the system design & implementation of Oracle E-business Suite 12.0 -Issued regular analytical reports on returns on investments and key performance indicators-Led projects on automation of pricing for the company and supervised system updates to product costs and transfer prices-Responsible for preparation and submission of sales and margin projections for the annual budget-Responsible for management of all owned depots and outsourced franchised sub-distributors-Reviewed and developed new standard operating procedures including Collection procedures for the company's in house and franchised sub-distributors -Reviewed and recommended the approval of all expenditures on projects undertaken by group companies -Coordinated periodic stock takes of the factory and ensure compliance with internal and external standards therein-Liaised with the company’s bankers and lawyers in Karachi on Financial, Taxation & Corporate issues, and with the company’s auditors, resolving their queries and ensuring that the audit is executed in a timely fashion

Operational Responsibilities-Assigning of projects to staff, monitoring progress of tasks and reporting on same to Client-Negotiating budgets, deadlines and resolution of any problems with clients-Resolve technical queries and review deliverables before reports are sent to clientsFinancial and Management Reporting-Responsible for profitability of locally developed financial solutions to clients-Reporting to M/s. Dun and Bradstreet, Integra Screen and other principals for financial forecasts of services offered to clients under their umbrella-Liaising with the company’s bankers and administrative staff in Karachi and other regional offices on financial issues, and with the company’s auditors, resolving their queries and ensuring that the audit is executed in a timely fashionOther Areas-Introduced outsourcing business of Death Claim Investigation for the first time in Pakistan for insurance companies; Developed Project of Business Continuity Planning & Enterprise Resource Planning for organizations under umbrella of M/S. Kingswell International, U.K. & M/S. Eastern Software Solutions, India -Closely involved in candidate selection and training -Closely involved in training program design for new staff and assessments for applicants

-Conducted and supervised statutory and internal audits for Clients including listed and unlisted companies, financial institutions, public offices, airlines, sugar mills, tanneries and logistics companies-Special Reports and specific assignments included due diligence, fraud investigations and reports to be presented in courts of law -Deputed to manage the finance division of M/s. Textilers (Pvt.) Limited

-Responsible for dealing with all export, sales and income tax related documents