Muhammad Ebad Email & Phone Number

Pakistan

As a Relationship Associate in the financial / banking industry, I have effectively overseen a diverse portfolio comprising 10 corporate clients, spanning both Public and Private sectors. This portfolio, valued at PKR 10 billion, is representative of a wide array of industries, including Steel, Textile, Auto Vehicles, FMCGs, and MNCs.My expertise extends to areas such as export discounting, contracts, forward bookings, Letter of Credit, and Guarantees. I am proficient in preparing thorough… Show more As a Relationship Associate in the financial / banking industry, I have effectively overseen a diverse portfolio comprising 10 corporate clients, spanning both Public and Private sectors. This portfolio, valued at PKR 10 billion, is representative of a wide array of industries, including Steel, Textile, Auto Vehicles, FMCGs, and MNCs.My expertise extends to areas such as export discounting, contracts, forward bookings, Letter of Credit, and Guarantees. I am proficient in preparing thorough annual reviews, involving the development of effective strategies, feasibility studies, in-depth financial analysis, detailed industry assessments, and the creation of compelling proposals.I systematically evaluate customers on macroeconomic and microeconomic levels, utilizing stress testing, sensitivity analysis, and rapid portfolio reviews to inform decision-making and proactively mitigate risks Show less

I began my career as an Accounts Payable Trainee, overseeing the end-to-end procure-to-pay process. This involved meticulously reconciling invoices with delivery orders and purchase orders to ensure completeness and transparency in financial transactions.Managed the invoice tracker to record daily transactions and directed the aging plan to optimize fund availability. Collaborated with the procurement and user departments to verify satisfactory delivery of goods and services as part of… Show more I began my career as an Accounts Payable Trainee, overseeing the end-to-end procure-to-pay process. This involved meticulously reconciling invoices with delivery orders and purchase orders to ensure completeness and transparency in financial transactions.Managed the invoice tracker to record daily transactions and directed the aging plan to optimize fund availability. Collaborated with the procurement and user departments to verify satisfactory delivery of goods and services as part of internal audit procedures. Conducted daily bank correspondence and maintained timely bank reconciliations to ensure audit readiness. Monitored working capital requirements, coordinating with seniors on fund positions for payment schedules. Managed the general ledger during monthly closings, ensuring accurate recording of all transactions for alignment with bank book. Show less

Karāchi, Sindh, Pakistan

Developed pricing models for digital products and services, identified industry-specific Key Performance Indicators for analysis, reviewed audited reports for acquisitions, and conducted research on technology trends such as blockchain, data science, and AR, exploring their applications for value addition in tech companies

I engaged in teaching primary classes and expanded my role to instruct O/A levels subjects such as Accounting, Business, and Economics.

Association Of Chartered Certified Accountants, Accounting And Finance

Business and Technology| Management Accounting| Financial Accounting| Financial Management| Financial Reporting| UK Taxation | Audit.

A’Levels, Commerce, 64%

O’Levels, Commerce, 68%