Ayub Ghani

Finance & Accounting professional with 10+ years of progressive experience across textile manufacturing, trading, property, and employee provident fund operations. Currently serving as Senior Accounts & Finance Officer at Lucky Tex Pakistan (Pvt.) Ltd., with additional responsibility for Home Furnishings Limited. Experienced in financial accounting, reconciliations, financial reporting, audit coordination, sales and purchase accounting, payables/receivables, provident fund accounting, banking documentation, and ERP-based accounting systems.

CMA (Managerial Level 1) in progress with a B.Com from the University of Karachi.

Senior Accounts & Finance Officer at Lucky Tex Pakistan (Pvt.) Ltd. (2023-09 – Present)

• Manage end-to-end Provident Fund accounting, including employer and employee contributions, investments, member payments, permanent withdrawals, profit income, and final settlements. Prepare monthly bank reconciliations and annual financial statements while maintaining accurate financial records and supporting documentation.
• Handle Takaful and Insurance claims, including preparation and submission of claim documents, coordination with Takaful/Insurance companies, follow-up on claim status, and reconciliation of claim settlements.
• Provide finance and accounting support for sister company Home Furnishings Limited, including day-to-day transaction recording and financial documentation. Prepare financial statements and reports with management support. Perform banking reconciliations and coordinate internal and external audit requirements. Prepare and maintain LC documentation, remittance and foreign fund transfer documentation.

Accounts Officer at Lucky Tex Pakistan (Pvt.) Ltd. (2021-04 – 2023-08)

• Handled Greige Cloth reconciliation, aging analysis, debit note verification, and payable processing.
• Managed local sales accounting, customer aging, ledger reconciliations, and Annexure “C” for monthly Sales Tax Returns. Conducted monthly sales audits with Internal Audit and ensured timely completion of assigned tasks.

Accounts & Audit Officer at Khas Group of Industries (2019-07 – 2021-03)

Supported accounting operations for Khas Textile Mill (Pvt.) Ltd., Khas Socks & Knitwear, and Khas Trading Company.

• Managed sales documentation, including sales quotations, sales orders, delivery orders, and sales tax invoices. Maintained bank reconciliations and Accounts Receivable/Payable records. Supported month-end and year-end stock audits and performed pre- and post-audit reviews of financial transactions. Verified waste sales, production records, material consumption, and store issuance, and conducted monthly inventory audits with valuation reporting using SAP Business One.

Assistant Accountant at A.T Properties (2015-02 – 2019-06)

• Managed day-to-day accounting operations, including vouchers, journal entries, Accounts Receivable and Payable, bank reconciliations, petty cash, and payment processing. Handled staff payroll and verified payment accuracy and supporting documentation. Conducted site-store inventory audits and prepared purchase orders. Prepared PSIDs and assisted with Sales Tax Return filing through the FBR IRIS Portal. Maintained Directors’ shareholding and dividend records and assisted in the preparation and filing of Directors’ Personal Income Tax Returns.

Certified Management Accountant (CMA – Managerial Level 1) — In Progress – Institute of Cost and Management Accountants of Pakistan

Bachelor of Commerce (B.Com) – University of Karachi

Higher Secondary School Certificate (Intermediate) – Board of Intermediate Education, Karachi

Secondary School Certificate (Matric) – Board of Secondary Education, Karachi