Imran Ashraf (Ca Finalist, Apfa,Cica) Email & Phone Number

Pakistan

Lahore, Punjab, Pakistan

Managing the Recovery of stuck-up Loss and Write-off portfolio of more than 50,000 clients in 100+ locations Pan Pakistan. Major Responsibilities are: Setting of annual recovery and restructuring budget in line with Board of Directors directions and monitoring their achievement on continuous basis. Execution and monitoring of legal action (civil and criminal proceedings) in coordination with Legal Department against willful defaulters till its disposals. Re-structuring of Portfolio according to Prudential Regulations issued by SBP. Hiring of suitable recovery staff at branch level as well as at Area and Regional levels. SBP reporting in line with regularity requirements on monthly and quarterly basis. Staff Monitoring and Performance Appraisal on daily, monthly, quarterly and annually basis according to targets of recovery.

Lahore, Pakistan

Managing the Asset Portfolio of five regions comprising of 85 branches and 13 Areas. Major Responsibilities were: Setting of Product-wise annual disbursement, OLP growth and Collection targets. Develop and implement strategies to achieve business goals and objectives Oversee microloan disbursement and recovery, ensuring efficient and effective processes Manage a team of credit officers and loan officers, providing guidance and support Analyze credit data and market trends to inform business decisions Develop and maintain relationships with key stakeholders, including borrowers, regulators, and investors Ensure compliance with relevant regulations and laws Collaborate with cross-functional teams to drive business growth and improve credit quality Develop and manage budgets, financial plans, and performance reports Identify and mitigate credit risks, developing strategies to minimize delinquencies Develop and implement training programs to enhance team skills and knowledge Represent the organization in industry forums and conferences Periodic monitoring, review and achievements of budget and identification of Gap thereon.

Lahore, Punjab, Pakistan

Managing the Credit Operation in Head office to bridge the Gap of Business and Credit Risk department. Major Responsibilities were: Development, implementation, review and amendment of credit initiation and disbursement process. Assets staff trainings on periodic basis on new products and development. Disbursement Process re-engineering, setting up approval matrix at different level in line with CCC instructions to reduce the TAT of disbursement. Development and implementation of credit insurance rules and claims settlements procedures and coordination with the insurance company regarding portfolio claims and their adjustment. Monitoring of daily activity reports regarding disbursement, Olp growth, collection and Npls for last day, monthly and year to date at individual, branch, area and bank wide. Preparation of monthly performance incentive working in accordance with approved incentive schemes in liaising with Performance Monitoring Unit

Lahore, Punjab, Pakistan

The United Insurance Company of Pakistan Limited incorporated in Pakistan as a Public Limited Company and its shares are quoted on Pakistan Stock Exchange Limited. The principal activity of the Company is General Insurance Business and undertakes Fire & Property Damage, Marine Aviation & Transport, Motor, Crop and Miscellaneous General Insurance.Brief Description of Roles and Responsibilities: Lead the motor claims department to implement the SAP module in the claim department. Formulation and implementation of procedures to reduce the TAT of claim reporting and settlements. Formulation and implementation of controls over selection process of motor workshops. Formulation and implementation of controls to bridge the Gap between inhouse inspection team with surveyors inspection teams to reduce the TAT of the claim processing and cost finalization. Monitoring the settlement process of vehicle total loss and theft claims.  Preparing aging and reconciling the balances of workshops, surveyors and agents balances.

Lahore, Punjab, Pakistan

Standard Spinning Mills (Private) Limited incorporated in Pakistan as a Private Company. The principal activity of the produce quality yarn.Brief Description of Roles and Responsibilities: Prepare Monthly, Quarterly & Annual Financial statements. Prepare Projected Cash Flows including Cash Inflows & outflows  Monitoring of cotton purchase local and imported and coordination with Bank officials for opening of LCs, documentation and creation of Finance against Imported Merchandize. Monitoring of yarn sale contracts, dispatch of yarn, sales invoices, and monthly reconciliation of Trade Debtors. Implementation of Wizmen ERP 7.5 system and working on off-the-shelf Tax Ware.

Sialkot, Punjab, Pakistan

Grays of Cambridge (Pakistan) Limited incorporated in Pakistan as a Public Limited Company and its shares are quoted on Pakistan Stock Exchange Limited. The principal activity of the Company is Manufacturing of Sports Goods.Brief Description of Roles and Responsibilities: Prepare Monthly, Quarterly & Annual Financial statements. Preparation of Budgets to take measures for cost reduction and financial analysis. Product-wise costing and periodic analysis. Preparation of working papers and Presentations to the Board of Directors on periodical financial reviews and discussions for strategic decisions. Correspondence with Securities and Exchange Commission of Pakistan, The Pakistan Stock Exchange Limited related to filling of different Forms and Returns as required by Companies Ordinance 1984.

Lahore, Punjab, Pakistan

Riaz Ahmed & Company-Chartered Accountants, a member firm of the Nexia International, has been operating since 1970 offering a wide range of services to national as well as international clients ranging from accounting to auditing, tax compliance/advisory and related financial services.Brief Description of Roles and Responsibilities:  Developing audit strategy and plan as per timelines. Identifying and assessing the risks through obtaining an understanding of the entity’s environment including its internal controls;  Review the financial statements of clients and discuss proposed adjustments required for a true and fair view; Analyze and evaluate the accuracy of the accounting system and procedures of the client;  Lead associates on various audit engagements and guide the team members through effectively supervising, coaching & mentoring.  Ensure the work delivered to the clients is of high quality and as per firm’s standards.

Apfa, Accounting And Finance, A

Ca Finalist (Module F Permanent Credits In 3 Papers), Accountancy And Finance

Cica, Certified Internal Control Auditor, A