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Work experience

Jan 2014Present

Assistant Manager Management Reporting and Budgeting - Financial Control

Habib Bank Limited
  • Participation in annual Budgeting and Forecasting exercise of Business Groups and Head Office and consolidating at Bank level


  • Assist and liaison with business segment financial controllers and key financial personnel for Budgeting and Performance reporting


  • Preparation and circulation of Monthly Performance Report (MPR) including Balanced Sheet and Profit and Loss of Business and Support Groups and its reconciliation with quarter and annual Financial Statements


  • Commentary and analysis on Monthly Performance Reports; providing reasons for volume, markup and expense variances for month on month, year on year and variance against budget and comparison against industry including graphical presentation


  • Preparing and circulating Structured Credit center wise profitability for Corporate, Commercial and Retail Business Group


  • Preparing monthly Deposit Summary Business Group wise and deposit ratios


  • Dashboard reporting and various ad-hoc reports/information for senior management


  • Funds Transfer Pricing (FTP) and calculation of pool rates


  • Co-ordinate with Auditors providing relevant explanations and contribution is satisfying Auditors requirement met in timely and accurate manner


  • Head office cost allocation to charge the business segments with the cost incurred by support groups for providing relevant support to each business segment
Mar 2010Sep 2012

Sales & Customer Services Associate.

Hutchison 3G UK Limited

Maximizing sales through approaching customers, asking appropriate questions and identifying their product needs


Making a robust and ceaselessly augmented customer base by providing superior after sales services for customer retention, satisfaction, and increasing brand enhancement and profitability of the company


Outperforming enduring mounting sales target prior to deadline and providing an additional contribution towards overall store target and identifying and promoting cost-reduction measures


Providing required support to one of the superlative team, mentoring to fellow colleagues and facilitating them in achieving their sales target


Through regular trainings on Learning Management System (LMS), keeping up-to-the-minute network and product knowledge, new and upcoming product launch, competitor price and product analysis and using the knowledge as a core competency to maximize sales and preserve high standards of operations and professionalism


Preparing and circulating reports on MS-Office includes but not limited to staff briefing, daily actions and task, improving staff sales efficiency, product comparisons for improved staff product knowledge, KPI measurements and multi-sales strategies


Advising customers on improving their credit scores, drafting alternative selling strategies in case product unavailability or refusal of customer application


Managing queues and staff break, Gap Busters, Staff Rota, weekly/monthly stock adjustments and booking-in product counts and identification of any product discrepancies, daily cash management and transaction recording and identification of any cash discrepancies


Assist in floor moves, merchandising, display maintenance and housekeeping


Apr 2011Sep 2013

M.Sc Finance

University of Wales, Newport, United Kingdom


Financial Management/ Mergers & Acquisitions/ Investment Banking


Masters of Science (MSc.) Finance


  • Strategic Management
  • Financial Management
  • Technology and Management
  • Managing Organizations and Change
  • Information Management
  • Business Law
  • Management Consultancy
  • Statistics
  • Quantitative Management
  • Financial Reporting & Analysis
  • Valuations Mergers & Acquisition

Financial Modelling of Vodafone PLC from past 3 year Annual Reports on MS-Excel

Event Study Thesis: Impact of Mergers and Acquisitions announcement on shareholders wealth (Case study of Pakistani Mergers & Acquisition including Banks and major industries announcement impact on share prices of target and bidding firms)

Sep 2012Sep 2013

B.A Hons.

Manchester Metropolitan University


Sustainable Performance Management


BA Hons. 


  • Introduction to Accounting control
  • Enhancing control effectiveness
  • Traditional approaches and Balances Perspective
  • Strategy Management Accounting
  • Activity Based Environment
  • Pricing and Target Costing
  • Transfer Pricing
  • Achieving Total Quality
  • Introduction to Ethics and Sustainability
  • Accounting, Values and Ethics in Free-Market Economy
  • Sustainability Accounting: An ethics of Accountability
  • Sustainability Reporting
  • Full Cost Accounting
  • Changing organizations through Sustainability Accounting

Recent Financial Scandals: Research on how Balanced Scorecard could have helped eliminating the factors involved in recent financial scandals.

Sustainable Behaviour: Research on Organization's Corporate commitment towards Sustainability and Accountant's stance.

Aug 2007Mar 2011

Chartered Institute of Management Accountancy (Part Qualified)

Kaplan Financial, London, United Kingdom
  • Financial Statement Analysis
  • Pricing and cost estimation
  • Financial Reporting
  • Costing and Budgeting
  • Management Accounting
  • Financial Accounting
  • Taxation
  • Control and Performance Measurement
  • Risk Management
  • Financial Improvement
  • Planning and Analysis
  • Marketing
  • Human Capital Management
  • Investment Appraisal
  • Organization Management
  • Change Management
  • Information System
  • Business Process Re-Engineering
  • System Implementation
  • Centralization and Decentralization
  • Outsourcing
  • Corporate Governance
  • Ethical and Social Responsibility

Key Skills and competencies

  • Strong skills of MS-Office particularly MS-Excel, first-rate typing speed (60 WPM), report presentation skills
  • MISYS: Core Application Banking Software used in Habib Bank Limited
  • Adobe After Effects for video presentations
  • Strong communication skills
  • Strong numerical and analytical skills
  • Educational background of Professional Accountancy and Academic Financial and Management Background
  • Experience of team work and managing teams to tight deadline with limited resources.
  • Confronted situations of multi-tasking, working under extreme pressure and shorter time deadline
  • Can do attitude and have attention to detail
  • Ability to communicate with top management, associates and customers
  • Strong work ethics and professionalism
  • Experience of working in a large team
  • Proven team leadership skills
  • Excellent research skills, including business, academic, financial and statistical research with an experience of financial modeling, event study analysis and appropriateness of business tools in particular situati Experience of writing reports and preparing presentations according to the standard
  • Utilizing logical skills to derive practical solutions
  • Multi-cultural exposure

References, Availability and Relocation

Reference(s) will be provided on request. Immediately available for full time position. Can relocate according to business needs