Highlights:12 years of experience in accounting & financial reporting, audit & assurance industry. Over 16 years of experience in insurance & financial services industry in the corporate sales environment as benefits manager.

Skills:Accounting & Financial Reporting, Benefits Management/Administration, Insurance Administration, Insurance Claims Administration (Life/Health/Pensions), Corporate Sales & Portfolio Management (B2B), Business Communication

Goal:Finding a job either in the Finance & Accounting profession or in the Benefits Administration

Membership:Fellow member of Life Office Management Association Inc, Atlanta, Georgia (www.loma.org)

Certification:Fellow, Financial Services Institute (FFSI) Fellow, Life Management Institute (FLMI) MSc Actuarial Science

Accounting Manager 03/23 - current
Teknica Group of Companies, Lahore, Punjab Pakistan
Industry: Construction
The core business of the group is: a). Power generation thru alternative sources by means of imported machines and equipment like UPS and dry batteries. b). Imported anodes from China for cathodic protection system for its eventual supply to industries relating to fertilizers & and petroleum c). Construction Work
1. Recording transactions. 2. Payroll. 3. General Ledger 4. Preparation of Financial Statements 5. Arranging Bid Bonds/Guarantees either thru banks or insurance companies.--
Accounting Consultant 10/2021 - 02/23
Albro Pharmaceuticals pvt. Ltd, Lahore, Punjab Pakistan
Industry: Pharmaceutical
However, due to accessibility limitations, a couple of directors who had dual nationalities and were living most of their time overseas made recommendations for a cloud-based to address such limitations and so forth and decided to switch over to a new platform technologically with more advanced features resultantly. The new software also had many new features and that requires proper training, mentoring, and monitoring of the staff to take full benefits and advantages for the company as well as to serve their customers and vendors well.
My work was limited to training, mentoring, and monitoring the accounting staff exclusively for posting vouchers, validation of the information, generating reports, and examining that the software is also processing the input financial information accurately. Apart from the above, I was also responsible for preparing their annual budgets after consulting their prior years of data and examining in regular quarterly intervals that the actual results are according to the estimates. Any deviations of a significant nature are communicated to concerned key officials with the causes that led to such deviations and informing the management accordingly and revising the estimates if so required.--
Accounting & Taxation Manager 12/2019 - 03/2020
Gohar Foods (Partnership Firm /Burger King Franchisee), Lahore, Pakistan
Industry: Restaurant/Food Services
The restaurant operations were closed due to a complete country-wide lockdown caused by the Covid-19 pandemic.
1. Recording all bank/cash/Journal transactions in the accounting software. 2. Monthly bank reconciliations 3. Monthly reconciliations of accounts of vendors and suppliers and processing their payments. 4. Monthly reconciliation of the account of the master franchisor on account of supplies made and royalty accrued against sales for payment purposes. 5. Online Submission of monthly sales tax returns and annual income tax returns. 6. Monthly Payroll and Benefits Management. 7. Prepare monthly financial statements like balance sheets, income statements, and related information.--
Chief Financial Officer 08/2017 - 10/2018
AR Foods (Partnership Firm/Restaurant Business), Lahore, Punjab Pakistan
Industry: Restaurant/Food Services
Partnership Firm doing business in restaurants serving Pizzas exclusively.
1. Recording all financial transactions in custom-made accounting software. 2. Bank reconciliation every month. 3. Process and reconcile all the accounts of food & beverage suppliers for their respective payments. 4. Process and reconcile the account of the master franchisor for the raw materials supplied and the royalty accrued every month. 5. Process and reconcile invoices of building lease rental inclusive of electricity, water & gas as per tenancy agreement for payment purposes. 6. Online adjustment of VAT/Sales Tax and submission of annual tax returns 7. Preparation of financial statements like balance sheets, income statements, fixed asset schedules, and related depreciation, and cash flow statements for the information and decision-making of management every month or whenever required by them. 8. Monthly payroll and benefits management. The business was discontinued and closed due to poor market response and inadequate funds to support the initial development phase of business activity and to cope with the business sustainability due to adverse market conditions that had an eventual impact on the operations side.--
Branch Head, Corporate Sales & Portfolio Management (B2B) 10/2014 - 03/2016
Adamjee Life Assurance Company Ltd., Lahore, Punjab Pakistan
Industry: Insurance and Financial Services
Adamjee Life is backed by the Nishat Group, which is one of the leading and most diversified business groups in South East Asia with assets worth over 5 Billion USD.
1. Corporate communication with potential customers for promotion of insurance products & services and exploring new business opportunities. 2. Corporate communication with existing clientele for business retention when due for renewal as well as exploring the possibility of expanding the existing premium base where possible. 3. Corporate Sales & Business development with teams of sales individuals 3. Monitoring & Performance Evaluation of sales individuals by comparing actual business results with their respective target quota side by side with the efforts and activity employed by them individually. 4. Participate in the government tender business process by submitting the technical and financial proposals and making a business presentation, query handling well as follow-ups 5. Training & Mentoring of the sales team. 6. After-sales services/customer care 7. Team Management 8. Oversight of branch operations--
Branch Head & Manager, Corporate Sales & Portfolio Management (B2B) 02/2012 - 04/2014
Dawood Family Takaful limited (Life Insurance Company), Lahore, Pakistan
Industry: Insurance and Financial Services
The insurance company is part of First Dawood Group.
1. Corporate communication with potential customers for promotion of insurance products & services and exploring new business opportunities. 2. Corporate communication with existing clientele for business retention when due for renewal as well as exploring the possibility of expanding the existing premium base where possible. 3. Corporate Sales & Business development with teams of sales individuals 3. Monitoring & Performance Evaluation of sales individuals by comparing actual business results with their respective target quota side by side with the efforts and activity employed by them individually. 4. Participate in the government tender business process by submitting the technical and financial proposals and making a business presentation, query handling well as follow-ups 5. Training & Mentoring of the sales team. 6. After-sales services/customer care 7. Team Management 8. Oversight of branch operations--
Assistant Manager, Benefits Administration & Sales Coordinator 12/1996 - 02/2011
Jubilee Life Insurance Company Ltd., Lahore, Pakistan
Industry: Insurance and Financial Services
Jubilee Life is a Pakistani life insurance company that is a subsidiary of the Swiss for-profit organization Aga Khan Fund for Economic Development.
Product Range: Group Life/Group Accident & Health/Group Pensions & Annuities 1. Sales & Business Development in the corporate domain. 2. Portfolio & Account Management 3. After-Sales Services 4. Corporate communications for exploring business opportunities, promotion of insurance products and services, business retention, and expansion of premium base in existing clientele where possible 5. Provide Support & Administration of sales activities. 6. Liaison with the principal office for premium rates on account of new businesses and renewals and generating business proposals. 7. Liaison with the principal office for follow-up of Group claims. 8. Liaison with panel hospitals in arranging credit arrangements for insured employees/patients. 9. Visiting hospitals in determining pre-existing medical conditions of insured patients or conditions that are excluded from the scope of the benefits payments. 10. Submission of all kinds of claims received in the branch to the principal office for its processing. 11. Business correspondence with all corporate clientele and prospects. 12. Claims investigations referred by the principal office.--
Senior Cost Accountant 06/1995 - 12/1996
Plum Qingqi Motors Ltd (formerly Kohinoor Motor Works Limited), Lahore, Punjab Pakistan
Industry: Auto Engineering
The project was initiated by The Saigols Group with Chinese manufacturer producing 40,000 motorcycles annually.
Being a cost & project accountant was responsible for: 1. Maintaining and recording all financial transactions made on account of capital expenditure relating to civil /construction work at the site for each block-like, like store, assembly hall, paint shop, etc as well as of all the contractors participating in the pre-operating environment. 2. Recording all financial transactions made on capital expenditure for the import of machinery and related expenses. 3. General Ledger, Asset Ledger, Payable and Receivable ledger (Control & Subsidiary), 4. Preparing a flow chart of activity in determining the value chain of activity for pricing the product at each level. 5. Implementing costing & internal control procedures for manufacturing concerns, stores, working processes, wastage, and finished goods. 6. Processing all invoices for payments to civil contractors/imports/procurements/local vendors 7. Payroll & Benefit Management 8. Preparation of annual/monthly accounts like balance sheets, income statements, statements of changes in equity, and other related expense schedules. 9. Assisting management in external and internal audits. 10. Submission of statutory returns to regulators. 11. Submission of annual tax returns.--
Budgetary Control Officer 05/1994 - 11/1994
Beaconhouse School System, Lahore, Pakistan
Industry: Educational Services Provider
Beaconhouse is one of the leading group of educational services providers in Pakistan.
1. To assist the Director of Finance in Financial Planning and budgeting by preparing annual/monthly projected balance sheets, revenue accounts, and cash flow statements. 2. To make a detailed comparison between actual results with projected figures every month alongside providing reasons for any deviations from projections (Variance analysis). 3. Update & revise projected figures where required every month after receiving the actual results. 4. Asset Liability Matching Management. 5. Assistance in external & internal audit programs.--
Fund Accountant 01/1991 - 08/1993
First Elite Capital Modaraba (Crescent Group), Lahore, Punjab Pakistan
Industry: Financial Institution/Investment Banking
The company's core business was providing both short and long-term loans and advances to corporations. Heavy investment in the equity stocks and the leasing business.
- Prepare daily Cash/bank position and monthly bank reconciliation statements. - General Ledger. Journal, bank book voucher posting in all the control & subsidiary accounts for (secured) commercial loans & advances, receivable & accrued interest from borrowers, record keeping of investments in stocks, dividends received, the capital gain made on stocks. - To update monthly cash flows and projections for Asset Liability Management (ALM). - To assist in developing discounted cash flows under several interest rates for the assessment & evaluation of the profitability margins/spread available under proposed projects/investments. - Prepare financial statements i.e. balance sheet, profit and loss account, fund flow statement, and notes to the accounts every month to enable the management to evaluate the progress of the company. - To make a comparison of actual and budgeted balance sheets and profit and loss accounts and to make comments thereon {variance analysis} for every quarter-end of the year. - Liaison with auditors both internal & external in conducting audits at regular intervals. - Submission of annual tax returns and related statutory returns to regulators.--
Trainee Accountant/Auditor 10/1986 - 10/1991
Kaleem & Company, Chartered Accountants (Auditors and Tax Consultants), Lahore, Punjab Pakistan
Industry: Consultancy/External Auditors
The internship was contracted for a period of 5 years under the Bye-Laws of the Institute of Chartered Accountants of Pakistan, Karachi (ICAP) as a trainee accountant. During this period, I was involved in activities like rendering services to corporate & individual clientele.
1). Bookkeeping & accounting, 2). Registration and company formation services with the Securities & Exchange Commission of Pakistan (SECP). 3). Submission of statutory returns. 4). Assisting clientele with their annual tax return. 5). External audit & financial reporting 6). Other related consultancy & advisory services--

Life Office Management Association Inc (www.loma.org) 03/1998 - 05/2002
Atlanta, Georgia, United States
Degree: Professional Degree
Major:Insurance & Financial Services/Risk Management
Advanced Professional Diploma in Insurance & Financial Services/Risk Management. The fellowship curriculum consists of 10 papers. Its a distance learning program

Accounting & Insurance Accounting, Benefits Management