Key Accomplishments:• Lead a team to prepare and present comprehensive financial variance analysis reports to the management, designed, and implemented budgets, leading to the successful turnaround of a loss-making company into a profitable one, with annual pre-tax earnings of PKR 6 million.Key Role and Responsibilities:• Assist in preparing accurate and timely financial statements, including balance sheets, income statements, and cash flow statements, general ledgers trial balance, adjustments, and bank reconciliations. Ensure compliance with accounting standards and regulatory requirements.• Design and implement the Financial planning & Analysis (FP&A), annual budget and periodic forecasts, monitor budget performance, identify areas of improvement, and propose corrective actions, along with proposing company’s growth strategy. • Conduct detailed financial analysis, including variance analysis, trend analysis, and forecasting. Provide insights and recommendations to support business decisions, cost optimization, cost reduction and revenue enhancement, assisting in overall company’s financial strategy.• Assist in implementing and monitoring internal control procedures to safeguard company assets, ensure accuracy of financial data, and mitigate financial risks. Identify control weaknesses and recommend improvements.• Consult and lead the finance team of financial analysts and accounting staff to prepare and finalize financial & strategic planning and analysis (FP & A), financial statements, financial performance, and budgets. Fostered a collaborative and high-performance work environment.• Management of customers’ expectations and escalations. Establishing, maintaining relationship with clients through client discussions and third parties/ vendors/ clients and all stakeholders and proposing improvements to current relationships

Key Accomplishments:• Conducted internal cash and inventory audits, resulting in the identification and recovery of fraud amounting to 5 million PKR after that redesigning cash and inventory operating models, improving overall business performance. Key Role and Responsibilities:• Evaluated internal controls and processes, ensuring strict adherence to company policies, accounting principles, and relevant regulations / corporate governance • Executed audit procedures, including data analysis, documentation review, interviews, and observations.• Conducted meticulous review and analysis of financial statements, reports, and documentation to proactively identify risks, errors, and areas for improvement to support strategic and operational decision-making.• Architected solutions, provided guidance and support to management in addressing financial and operational risks.• Collaborated seamlessly with cross-functional teams to develop and implement corrective actions and best practices, driving operational efficiency.• Thoroughly examined and analyzed financial data, reports, and documentation to identify discrepancies, errors, and potential areas of risk

• Spearheaded the monthly, quarterly, and yearly preparations of financial statements, diligently reporting to the group CFO for consolidation and preparation of group financials to analyze financial performance.• Prepared accurate financial projections and consolidate different findings for senior management on a monthly, quarterly, and annual basis, providing insightful variance analysis between actuals and projections.• Skillfully analyzed input costs and set pricing strategies, guaranteeing product-wise profitability and cost-effective product distribution across outlets by performing qualitative and quantitate research for analytical purpose.• Efficiently processed monthly tax transactions, including VAT, WHT, FED and Corporate Income Tax, maintaining compliance with regulatory requirements.

• Prepared comprehensive reports such as Stock Liquidation, UPT (Units per Transaction), and ASP (Average Selling Price), promptly delivering key insights to senior management.• Derived Business Projection reports through meticulous Trend Analysis, providing crucial inputs for the detailed preparation of business projections by the Retail Head.• Maintained accurate customer ledger reconciliations, skillfully managing payment and receipt finalizations.• Prepared insightful Monthly Sales Reports, analyzing outlet, area, and region-wise performance, aiding in strategic decision-making.• Allocated and monitored nationwide Weekly, Monthly, and Quarterly sales targets, meticulously recording daily completions, and reporting to relevant departments.

• Implemented and enforced Know Your Customer (KYC) and Customer Due Diligence policies, ensuring compliance with regulatory guidelines.• Successfully implemented Anti-Money Laundering (AML) and Combating the Financing of Terrorism policies, fostering a secure and compliant banking environment.• Ensured unwavering compliance with circulars and notifications issued by regulatory authorities on a regular basis.• Conducted GAP analysis within the core banking system, identifying risks associated with processes and proposing effective risk responses.• Proactively rectified audit exceptions pointed out by both internal and regulatory auditors, ensuring adherence to best practices.

• Analyzed and reported daily Deposits and Advances, delivering accurate and timely reports.• Calculated the overall profitability of branches, providing logical reasoning for profit or loss at each respective branch.• Monitored trends in non-performing loans (NPLs), promptly reporting daily changes and facilitating appropriate actions.• Allocated monthly and annual targets to branches, fostering a culture of achievement and accountability.• Conducted comprehensive performance evaluations of individuals and branches, effectively categorizing them based on their overall performance.• Analyzed and proposed controls to optimize the overall Cost of Deposit and Administrative Costs, enhancing profitability across the organization.• Meticulously documented minutes of MANCOM, PC, and Area Heads meetings, ensuring proper record-keeping for submission to the State Bank of Pakistan (SBP) as required

• Reviewed and analyzed financial statements, operational processes, and internal policies to assess compliance, accuracy, and efficiency.• Developed and implemented comprehensive audit plans and programs aligned with organizational objectives and regulatory requirements.• Conducted thorough risk assessments and evaluated internal controls, identifying potential areas of risk, and recommending appropriate remedial actions.• Assisted in the process of Sales Tax Refund with the finance team.