Moiz Ghaffar

Obtain a challenging leadership position applying creative problem solving and lean management skills with a growing company to achieve optimum utilization of its resources.

Assistant Manager Credit Control at SA Ceramics Pvt Ltd (2025-06 – Present)

• Assess customer creditworthiness and review credit limits and payment terms.
• Manage overdue receivables, negotiate payment plans and follow up on collections.
• Reconcile customer ledgers, allocate receipts and investigate account discrepancies.
• Calculate and verify sales commissions and bonuses under approved incentive plans.
• Reconcile sales transactions with bank deposits, receipts and general ledger entries.
• Prepare receivables ageing reports and monitor Days Sales Outstanding (DSO).
• Forecast customer collections and report overdue balances to the Accounts Manager.
• Coordinate with sales and finance teams to resolve billing disputes and audit queries.
• Issue digital invoices on the FBR portal and maintain supporting documentation.

Deputy Manager Accounts (Receivables) at Chase Up Shopping City - Head Office (2016-08 – 2025-05)

• Overview the terms and conditions of payment plans
• Verify agreements with parties on continual basis
• Providing accounts information to internal departments for audit purpose
• Established new customer accounts
• Verify customers pay on time
• Verify accurate records of payments
• Managed timely and effective collection of all receivables and reconciliations
• Continuous and timely follow up of outstanding receivables on delinquent accounts on timely basis
• Resolving queries both internally and externally around outstanding receivables.
• Ensuring that customers branding space are emptied after expiry of agreement
• Follow up with procurement department to inform them about new and expired agreements
• Weekly reporting to manager accounts

Senior Executive Accounts (Payables)

Previously worked as Senior Executive Accounts (Payables)

• Receive and verify invoices and requisitions for goods and services
• Verify that transactions comply with financial policies and procedures
• Maintain listing of accounts payable
• Maintain the general ledger
• Maintain updated vendor files and file numbers
• Prepare vendor cheques for mailing

Accounts Officer at Alfaz Enterprises (2011-04 – 2011-07)

• Assisting in determination of costs of materials, labor and factory overhead expenses.
• Preparing payroll documentation including salary sheets, payroll slips and other relevant documents; and
• Preparing and presenting for review to the manager, bank reconciliations of all the bank accounts of the organization on periodic basis.

Trainee at Emirates Global Islamic Bank Limited Khayaban -e- Shahbaz branch - Karachi (2009-01 – 2009-03)

Work performed during training tenure;

• Performed walkthroughs from stage of initiation of a transaction till the stage of completion, passing through different procedures and checks;
• Conducted telephone banking operations whereby I worked on my communication skills and tactics to deal with different customers, inviting new account openings for the bank;
• Gained comprehensive understanding in respect of consumer banking and retail banking;
• Liaising with, and developing good working relationships with the clients to deliver expected results; and
• Assisting personnel in carrying out branch banking operations and other related functions.

Internee at Allied Bank Limited (2006-03 – 2006-06)

Work performed during training tenure;

• Developed financial analysis in respect of a diversified portfolio of corporate clients including insurance companies and other banking and non-banking financial institutions;
• Gained full-fledged knowledge with respect to head office operations including banking policies and procedures;
• Conducted detailed research work in the area of risk management including management of credit risk, liquidity risk, market risk and currency risk etc.; and
• Carried out several types of analysis including ratio analysis, trend analysis, gap analysis, regression analysis and correlation analysis etc. to evaluate credit rating and financial position of corporate customers.

MBA in Finance – Iqra University (2010)

B. Com – Karachi University (2005)

H.S.C. – P.C.C.E College (2003)

S.S.C – I.S.S Public School (2001)