Align financial strategies with Aseel’s business goals, focusing on growth and sound financial management.Lead budgeting, forecasting, and long-term financial planning.Analyze key financial metrics and provide actionable insights to executive leadership.Serve as a strategic advisor across departments, aligning budgets with company objectives.Conduct feasibility studies and financial due diligence for investments, mergers, and expansions.Identify cost reduction opportunities and implement efficiency-driven financial strategies.Oversee risk management and ensure regulatory compliance.Manage and mentor a team of financial analysts, promoting continuous improvement.Collaborate with Operations, Marketing, Sales, and senior leadership on strategic initiatives.

Financial Management & Analysis:Directed financial operations for multiple companies, including TradeKey, Edcomm Bankers Academy, and SISCOM, ensuring efficient management of financial resources.Conducted detailed financial analysis and provided strategic insights that supported executive decision-making, contributing to the overall profitability of the companies.Developed and implemented financial strategies that resulted in cost savings and improved financial performance.Budgeting & Forecasting:Led the budgeting and forecasting processes, delivering accurate financial projections that aligned with business objectives.Successfully managed company budgets, ensuring adherence to financial goals and mitigating financial risks.Investment & Fundraising:Spearheaded investment initiatives, including evaluating and securing funding opportunities to support business expansion and development.Managed relationships with investors and financial institutions, fostering trust and securing favorable financing terms.Leadership & Team Management:Led and mentored a team of finance professionals, fostering a culture of continuous improvement and professional development.Collaborated with cross-functional teams to ensure alignment of financial strategies with overall business goals.Achievements:Awarded "Employee of the Month" twice in the last five years for outstanding performance and contributions to the company’s success.

Demonstrated sound background in all aspects of commercial lending, particularly credit structure, loan policy and credit risk management. Ensured timely completion and execution of CRR programs encompassing underwriting reviews, assessment of compliance with commercial and corporate loan policy, testing of dual risk / regulatory ratings and monitoring of troubled asset portfolio management. Refined the process for real time updates on financial results. Identified and communicated policy and operational improvements that enhanced credit quality.Identified and implemented process improvements to increase the efficiency and effectiveness of the Credit Risk Review process.Coordinated with Head of Credit Policy Division in the preparation of Risk Asset Review & Credit Policy Manual.

Monitoring the credit granting process, which involved preparation of credit proposals with detailed financial analysis, security documentations adherence to guidelines of SBP, SECP, EIBL’s Board and other regulatory authorities. Supervising the credit portfolio and identifying discrepancies in the process and evaluation of portfolio performance. Developed and implemented Risk governance structures, policies and management controls across the bank.Facilitated strong credit risk management for relationship-based lending through credit analysis of corporate, ensuring compliance with Prudential Regulations and Underwriting standards.Introduced enhanced format for credit application to make it more user friendly as well as more effective in credit decision making; In addition, introduced guide to assist users in filling out credit application more accurately reducing time and efforts for rework.