Conducted comprehensive cost-benefit analysis for the Collection and Recovery Department, which led to a 15% reduction in operational costs, while enhancing recovery rate by 10%.
Developed and maintained monthly forecasts for the Non-Performing Loans (NPL) and Write-off Portfolio, achieving alignment with 100% compliance to accounts to collector ratio (ACR) requirements set by the State Bank of Pakistan (SBP).
Developed and updated the Delinquency Management Manual and Collection & Recovery Strategy, implementing new incentive structures that resulted in a 15% increase in staff performance.
Performed variance analysis across 200+ branches, monitoring collection and recovery efforts, targeting a 15% reduction in NPLs and charged-off loans over a 12-month period.
Led cost-reduction initiatives, resulting in an 12% savings in departmental costs, while optimizing the budget and resource allocation for future planning.
Prepared monthly performance reports for the entire CRU staff, managing incentive disbursement for 50+ employees, with 15% average performance improvement in line with KPIs.
Optimized delinquency management policies, reducing financial risk exposure by 12%, and ensured smooth operations within the department.

Preparation of Credit (Loan & Advances) & Deposit (Liability) Dashboard on daily basis for onward circulation to Senior Management.
Performing comprehensive bank-wide deposit analysis to assess deposit stability, branch-specific concentration, identification of key depositors, and mapping the maturity of term deposits in correlation with the bank's advances (Maturity Gap Analysis)
Analyzing treasury placements, pricing rates, and daily profits in the money market on a daily basis.
Compiling treasury portfolio analyses for reporting to RMC, ALCO, BOD, and other stakeholders at required intervals.
Preparation and assessment of overdue accounts, collections efficiency, Prepayment analysis, default concentrations, provisions made against defaults, recoveries made against write-off cases, re-scheduling/ re-structuring, exceptions, write-offs, etc in light of internal and external guidelines (SBP, SECP).
Compiled and analyzed financial data to prepare detailed ALCO memorandums for counterparties’ limits approval; improved decision-making accuracy by 25% through comprehensive insights and actionable recommendations based on thorough analysis.

Design warehouse internal process and Procedures, ensure all internal controls and checks are fallowing
Managed Supplier Selection & Evaluation, Supplier Performance Measurement
Design Shortest route and used maximum flow technique in distribution management
Manage distribution, logistics and ensure FTL, LTL  rates are fallowing as per contracts
Controls inventory levels by conducting physical counts; reconciling with Inventory Management system.
Maintains physical condition of warehouse by planning and implementing new design layouts; inspecting equipment; issuing work orders for repair and requisitions for replacement.

Preparing sales and recovery report and performing analysis against targets.
Preparing receivables aging analysis and presenting these to BOD along with recommend actions.
Defining recovery targets in consultation with finance team to meet budgets.
Performing prospective dealer evaluation as per Company’s pre-defined criteria and recommending acceptance or rejection accordingly.
Ensuring adherence to credit limits by means of preventive, detective and corrective measures.
Daily monitoring of recoveries and recommending acceptance or rejection of sales orders accordingly to BOD, to ensure strict compliance with monthly milestones.
Preparing and presenting to BOD fortnightly and monthly account receivable report.
Ensuring timely liaison with regional Sales Managers to update and in-corporate daily recovery targets and perform due follow ups.
Assisting BOD in product pricing and discount management.

Prepare and examine accounting records and financial statements to assess accuracy, completeness, and compliance with reporting standards and procedures
Assist in developing and analyzing budgets, completing periodic reports that compare budgeted costs to actual costs
Prepare monthly reconciliation of all cash, cheque and credit card accounts
Responsible for data entry of payments, bank deposits, bills payable, etc.
Assisting in day to day activities of the accounts/finance department
Report to management on the financial position of the firm
 Maintain and control accounts payable and accounts receivable 
Verification of the invoices received from vendors and preparation of payments on timely basis
Liaison with counter parties when required, banks, vendors and customers