Experience

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  Aga khan rural support programme

  May 2001 - Apr 2003

  Accountant

  Financial Planning and budgeting; Financial management and operation; Financial reviews and monitoring; and Financial Compliance and Reporting. Key duties and responsibilities include:Support and provide inputs for regional annual budgets, Monitoring of resource utilization as per approved budgets, Checking expenses for appropriate supporting documentation and accuracy of monthly financial data, Verify accuracy of records and reports received from field, Monitoring of fixed assets movement in the region, Inventory control and managementPrepare monthly cash forecast for submission to the head office, Prepare monthly expense report for regional managementEnsure compliance with the accounting & auditing requirements and with the donor grant agreements requirementsReconciliation of cash / bank balances and suspense accounts, Managing procurements, vendor payments, payrollData entry, book-keeping and preparation of financial statements, Coordinate with internal / external audit, review missions from head office Show less

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  Trust investment bank limited

  Jun 2006 - Dec 2006

  Credit officer

  Process Credit Proposals and conducting thorough analysis of financial standing, market reputation and credit worthiness of the customers, Conduct Industry Analysis for corporate cases, Liaison with peer banks and leasing companies for Syndicated Arrangements, Liaison with legal counsel for vetting of charge documents, legal opinions and perfection of security / support, Clearance from Internal Audit and CAD, Disbursement of financing facilities and post disbursement Relationship Management.

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  Askari bank limited

  Dec 2006 - Aug 2014

  Relationship manager / in-charge credits

  Major experience and expertise in Lending Operations and Risk Management. Key responsibilities and expertise include;1. Relationship Management: Initiation of Credit Line Proposals. Ensure significant increase in profitability from advances while maintaining minimum level of irregularities at the same time and to achieve budgetary targets of Advances, Deposits, Imports, Exports and Guarantees.2. Credit Appraisal:Evaluation of loan applications and Credit worthiness of the applicants on the basis of Financial Analysis, Security Analysis, Market and Industry Analysis3. Risk Management:Evaluation of Credit Risk under Basel-II policy framework, Identification of key risk areas and Risk Mitigation, Credit Risk Rating of the loan applications to assign Risk-Reward profile.Achievements:I had an opportunity to manage a very technical and complex case of sinking of ill-fated vessel “MV Atlantic Confidence” carrying imported merchandise of my client. I successfully lodged and rigorously followed up on Insurance claim for compensation of loss. After consistent efforts and constant follow up, total outstanding liability was settled through realization of insurance claim from the reinsurers.Managed diversified credit portfolios of various branches consisting of SMEs, Commercial, Agriculture and Consumer advances and achieved assigned targets of Advances, LGs, Import/Export, Banca and deposits.Successfully handled large credit portfolios with zero Defaults/Bad debts. Recovered old classified accounts, negotiated and processed settlement arrangements. Show less

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  Aga khan foundation afghanistan

  Aug 2014 - Dec 2016

  Regional manager finance

  Regional Manager Finance with Aga Khan Foundation, Afghanistan (AKF-A), an agency of Aga Khan Development Network (AKDN), at Regional Office for Baghlan and Samangan provinces of Northern Afghanistan.Managed a diversified grants portfolio comprising of funding from reputed International donors like USAID, DFID, DFATD, AUSAID, CIDA, KfW, SDC, SIDA, United Nations, European Commission and World Bank etc.My key responsibilities included Financial Planning and Budgeting, Financial Management and Operations, Financial Reviews and Monitoring, Financial Compliance and Reporting, Grant Management and Donor Compliance, Assets and Cash Management, Staff Planning, Training and Capacity Building.Achievements: Effectively managed overall budget by ensuring efficient resource planning and utilization which resulted into a significant cost cutting. Provided constant support to Regional Director and Program/Operations sectors for improvement in processes and procedures in order to ensure high level of transparency and financial compliance.Introduced new initiatives for program monitoring and financial controls in order to avoid risks and compliance issues.Preparation of quality Financial Reports and submission within stipulated timelines with zero observations and disallowances. Effective implementation of financial policies and procedures, evident from clean internal and external audit reports.Training, capacity building and mentoring of local/national finance staff and succession planning. Show less

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  Mab corporate consultants

  Jan 2017 - Mar 2024

  Financial consultant

  Providing Financial Advisory and Consultancy services for Feasibility Studies, Credit Appraisals, Financial Statements and Taxation related matters.

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  Aga khan foundation

  Jan 2024 - now

  Gfo