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Senior Consultant (B2B Taxation, Credit Monitoring & Evaluation)

ビジネス・営業・マーケティングビジネスサービス経理・財務・会計

製作日数10日間

希望販売価格300,000円～500,000円未満

USMAN BIN KHALID
Lahore, 54660
Pakistan
+92-301-8207987
usman_bin_khalid@hotmail.com
SENIOR FINANCIAL ACCOUNTING PROFESSIONAL
Financial Management ~ Corporate Accounting ~ Management Consulting
Seasoned financial and management accountant acknowledged for sound decision making abilities, analytical skills, business acuity, ongoing education and problem solving skills. Strategic, methodical and reliable; enjoy the challenge of resolving long term issues and influencing revenue positive outcomes. Recognized for calm demeanor in mediating conflict and pursuit of delivering consensus amongst stakeholders with diverse agendas. Enjoy opportunities to think “outside the box” deriving new solutions to old problems through strategic information gathering, data collection and comprehensive scrutiny. Persuasive and concise communicator; experienced in dealing with all levels of management in varied industries, and coaching subordinates for greater productivity and understanding. Academic preparation includes MBA (Finance & Treasury), BBA (Accounting Business, Management, Marketing, and Related Support Services). Available for travel & relocation.
Areas of Experience:
Financial Analysis & Management Reporting Corporate Accounting Audit & Internal Control
Retail, Commercial & Corporate Banking Branch Banking Export Finance
Retail, Commercial & Corporate Lending Insurance Banc assurance
Taxation Income Tax Tax Advisory
Customer Life Cycle Management Telecommunications Customer Retention
Telecommunication Customer Life Cycle Management B2B, CRM
Strategic Financial & Business Planning Project Management Budgeting & Forecasting
Administration Procurement Business Planning
Information Systems Implementation Asset Acquisition Multicultural Experience
Managerial & Human Resource Experience Staff Supervision & Training Stock Exchange Trading
Objective:
A senior position in the Financial Services industry with a focus on Financial Operational Management, Audit, Budgeting, Analysis, Business Process Improvements, Project Management, Program Development, Training, Team Leadership, Sales & Marketing, Customer Care, Product Management & Project Coordination mainly aiming to become a part of a reputable organization, offering personal & professional growth; eventually leading to excel in this dynamic business world.
Skills & Professional Experiences:
I am a conscientious person who works hard and pays attention to detail. I'm flexible, quick to pick up new skills and eager to learn from others. I also have lots of ideas and enthusiasm. I'm keen to work for a company with a great reputation and high profile. I am a recognized trainer and leader. I enjoy travelling and I am open for business opportunities.
With a strong background (over 15 years of experience) in the field of Finance, Treasury, Accounting, Banking, Telecommunications, Administration, Procurement, Marketing, Sales & Stock Exchange, I am always looking for strategies that provide a good ROI. I am an active net worker both online and offline and can often help suggest connections that may help your business.

Experience:
Jazz pervioulsy known as Mobilink a Subsidiary of VEON, VimpelCom.
Senior Consultant (B2B Taxation, Credit Monitoring & Evaluation) (DEC 2014 till date)
 Have successfully revamped the existing departmental policies & procedures
 Have successfully completed the AUDIT of the whole business base
 Responsible for Credit Notes/ Deposit Apply & Write Offs for the whole business base
 Responsible for Tax adjustments for the whole business base
 Approval, monitoring & evaluation of the Leverage issued to the businesses
 Frequent periodic Credit monitoring reporting
 Escalations of the required approval matters related to the domain
 Monitoring of Usage of International Roaming
 Enhancing Leverage of all the customers after all necessary credit and revenue checks
 Sharing of frequently blocked numbers shared with the collection team ensuring timely revenue collection
 Approval & Monitoring of the leverage (Fund & Nonfund Base) assigned to the whole business base
 Frequent periodic reporting of the leverage issued both fund & nonfund based
 Frequent periodic reporting of the issued Security Deposit Waivers
 Approval, monitoring & evaluation of the required leverage requests
 Approval, monitoring & evaluation of the leverage based on the credit worthiness & positive impact on the company’s revenue
 Frequent Periodic Reporting of the Issued leverage’s impact on Company’s revenue
 Managing routine B2B issues; ensuring smooth operations
 A very Strong background of using Telecom Softwares
 More than 5 years of experience of CRM
 Managing Daily Blocking & all types of Credit Intimations - Dunning process
ADDVANTUM INNOVATIVE TECHNOLOGIES (PVT) LTD
Manager Administration (APR 2013 till DEC 2013)
 In Charge of ADMIN dept. for the whole company (Head Office) in LHR
 Looking after ADMIN & Procurement related issues for the whole company for all offices
 Day to day ADMIN related matters for all offices
 Supervising almost 10 ADMIN employees in all offices (Multi cultural environment)
 Responsible for direct reporting to the CEO of the company
 Looking after fixed assets purchased here in PAK & all other offices
 Supervising work visa processes for the employees going abroad on different projects
 Supervising Accommodation arrangements for the resources in coming and out going
 Supervision of travel arrangements
 Supervising procurements (mostly IT related equipment)
 Dealing with vendors within & outside the country
 Responsible for reconciliation of the vendors accounts

HBL (SHADBAGH AREA)
Senior Relationship Manager (SEP 12 till March 13)
 Looking after 8 branches as a senior relationship manager
 All Sales targets (including all bank products)
 Achieved the sales target for the last quarter of 2012
 Looking after 1600 million of liability customers (cross selling & deposit growth)
 Assets selling & maintaining liaison with credit customers (making sure that all operational issues (credit related) are going smooth)
 Sold banc assurance (achieved the area’s target)
 Auto Sales target achieved for the area
 Credit card sales target for the area achieved
 Got an (A) for the last quarter’s performance
HBL (LIBERTY BRANCH)
Chief Manager (AUG 10 to AUG 12)
 Looked after the branch’s overall sales, operations, credit & trade
 Took the branch at 800 million (base) & successfully achieved branch’s overall targets for consecutive 2 years
 Closed the branch in 2010 at 1100 million from 800 million in last 3 months of year 2010
 Closed the branch in 2011 at 1800 million from 1100 million (successfully achieved the branch’s target)
 Closed the branch at 2075 million from 1100 million (successfully achieved the branch’s target)
 Looked after branch’s trade, credit, sales & operations
 Got 3rd position in Pakistan (overall branch’s growth)
HBL (TEMPLE ROAD BRANCH)
Branch Manager (MARCH 09 to JULY 10)
 Looked after the branch’s overall sales, operations, credit
 Took the branch at 230 million (base) & successfully achieved branch’s overall targets for consecutive 1 ½ years
 Closed the branch at 335 million in year 2009, successfully achieved branch’s deposit targets
 Closed the branch at (June 30th closing) 445 million, successfully achieved branch’s overall targets
 Achieved Banc assurance , Auto Finance, Credit card & Commercial Financing targets for both years
 Got appreciation and was promoted to a Chief Manager in one of the largest branch in Lahore
HBL (JAIL ROAD BRANCH)
Credit HUB Manager (July 07 to February 09)
 Looked after a portfolio of 8 branches (300 million)
 Checking credit proposals & recommending for approval
 Looked after all the markup related issues of all (45 +) credit, LC, & LG customers
 RF, ERF, LC, LG, fund based & non fund based exposure
 Un secured loans of about 100 million
 Making sure that limits do not classify
 Achieved targets for outstanding
HBL (MALL ROAD BRANCH)
Trade Officer / Foreign currency In Charge (November 06 to June 07)
 Export in charge of the largest branch in Lahore
 Engaged in arranging export documents of export customers
 Export in ward funds
 ERF for eligible clients
 FC In Charge of the largest branch in Lahore
 Dealing the FC of all Punjab FC dealing branches
 Responsible for reconciling & feeding of FC (all Punjab FC dealing branches)
 Exporting of FC (cash) as per government instructions
Pakistan Mobile Communication LTD (Mobil ink)
National Manager Credit Operations (July 03 to May 06)
 Supervising credit operations activities(NATIONWIDE)
 Approval, monitoring & evaluation of all Credit related issues of the company
 Responsible for getting the vendors paid for the services rendered
 Extracting receivables for collection staff, assuring with company’s policies to realize the receivables (billed amount of about 400-700 million per month)
 Responsible for realizing the receivables in aging of about 300-500 million per month with having 98% recovery every month, using various recovery tools
 Supervised a team of credit operation team of 30-32 people (NATIONWIDE)
 Issuing leverage to customers according to their credit worthiness
 Responsible for getting the ISO audits done for the department according to policies
Align Technology
Assistant Manager Finance (Jan 2000 to DEC 02)
 Preparing monthly financial statements of the company for reporting to head office
 Looking after cash & bank matters of the company
 Reconciliation of accounts, payables listings with general ledger, monthly remittances of about 6 to 10 million USD
 Preparation of list of accruals
 Managing payroll of the company of about 1700-2000 employees
 Responsible for maintain the fixed asset register
 Interaction with banks & auditors (PWC)
 Review of cash and bank reports & reconciliation statement ensuring compliance with all company policies, procedures and practices
 Responsible for getting the audits done of the company
 Quarterly reporting to the head office & Security & Exchange Commission of Pakistan
 Looking after budgeting related issues
 Looking after cash flow matters

Stock Exchange:

(JAN 2000 tIll date)
 Working as a Trader/ investor in the Stock Exchange
Achievements & Awards:

 3rd Position in Pakistan (Category A branches) (Total Deposit) (2011)

 Special achievement award for smart & quality work (2004)
 Employee of the month (2005)

 Employee of the month (ATP,2001)
 Special Achievement award for making salary Software (ATP,2001)
Workshops & Trainings:
 Information Security Awareness (APR 15)
 Front line manager (Conducted by NAVITUS previously KZR) (FEB 06)
 360 Degree training (Conducted by Internal HR) (JAN 06)
 Time Management (conducted by NAVITUS) (DEC 05)
 Interpersonal Communication (Conducted by NAVITUS (AUG 05)
 Conquer the Chaos, the best ideas in Time Management (Conducted by NAVITUS) (MAR 05)
 Calling in Life (NAVITUS) (JUL 2004)

 Sales Leadership training (OCT 11)
 Value Based Selling (HUTHWAITE) (JUN 10)
 Coaching Selling (THE HBL WAY) (HUTHWAITE) (JUN 10)
 Completion of training on Ban assurance Products (FEB 10)
 SBP Prudential Regulations & Guidelines (Credit related) (MAR 08)
 KYC/AML Skills Development Program (DEC 07)
 Workshop on “HBL INCOME FUND” (FEB 07)
 Selling Mutual Funds (FEB 07)

 Strategic Business world (workshop) (SEP 01)
 7 habits of highly effective people (conducted by KZR) (Feb 01)
 Team Building (Conducted by KZR) (SEP 2000)
Education:
Master’s in Business Administration (Specialization in Finance & Treasury (1997- 1999)
(University of Central Punjab) (UCP)
Computer Knowledge:
Diploma in Computer Applications (Punjab Institute of Computer Sciences 1994)
Very strong background of computer knowledge as I have been using computer from the last 25 years, strong command on daily use office programs; also worked on different accounting, banking, telecom and routine business softwares.
Reference:
Can be furnished upon request

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