Muhammad Farhan

To utilize all capabilities with commitment at a challenging managerial position in local and multinational organizations. Finance & Treasury professional with over 20 years of progressive experience across corporate treasury, consumer banking, and financial analysis in Pakistan's banking, oil & energy, and textile sectors, with excellent written and verbal communication skills in English and Urdu.

Assistant Manager Treasury at Mustaqim Dyeing & Printing Industries (Pvt.) Limited (2024-12 – Present)

• Responsible for whole correspondence with financial institutions including local and foreign banks and other investment companies for funded and non-funded Islamic / Conventional financial facilities.
• Ensure timely opening of Letter of Credit from foreign countries and export of goods etc.
• Responsible to negotiate rate with banks' treasury unit for LC payment.
• Coordinate for timely payment of LC including Usance and Sight LC.
• Responsible to negotiate rate for discounting against all export transactions with banks.
• Responsible to coordinate with auditor for quarterly stock as well as yearly financial audit.
• Responsible to create new charge, and upgrade and vacation of existing charge on current and fixed assets in SECP.
• Responsible for whole correspondence with leasing companies for the lease of company vehicles, plant & machinery etc.
• Responsible to prepare and provide monthly stock report to all syndicate banks.
• Responsible to manage Export Refinance Facility including ERF, EFS Loan and LTFF.
• Responsible to prepare all documents for every rollover of ERF and discounting.
• Responsible to prepare company daily cash flows, bank position and treasury related matters.
• Responsible to coordinate with external and internal auditor for annual audit.
• Assist in keeping up-to-date record of insurance and all documents which pertain to syndicate financing funded and non-funded facility.
• Dealing / correspondence as well as keeping updated record of whole correspondence with all syndicate banks including HBL, NBP, UBL, HMB, Askari Bank, Bank Alfalah etc., regarding charge increase/decrease / syndicate financing facility.
• Ensure timely audit / survey / inspection of company stocks and plant located at SITE and Nooriabad.

Assistant Manager Consumer (Noor Islamic Credit Card) at Faysal Bank Limited (2021-12 – 2024-07)

• Responsible to prepare bank reconciliation of daily Noor approved cards.
• Responsible to prepare daily MIS of all clusters' target achievements.
• Responsible to analyze daily all clusters' Noor Cards customers' portfolios.
• Daily coordination with other departments for daily Noor Cards application approvals.
• Responsible to analyze all Noor Credit Card customers' applications and take decisions on credit limits as per their profile.
• Responsible to analyze daily all rejected applications and returns.
• Responsible to send customers' salary slips, bank statements and other relevant documents for verification.
• Responsible for customers' residence and office verification.
• Responsible to resolve all discrepancies in daily Noor Card and personal loan applications.
• Daily inputting into the system of all approved Noor Card and Personal Loan applications after finalization of decision making.
• Responsible to resolve customers' queries online.

Deputy Manager Treasury (DM-II) at Habib Oil Mills (Pvt.) Limited (2016-04 – 2017-10)

• Responsible for daily RTGS to all syndicate banks for fund transfer.
• Responsible for whole correspondence with financial institutions including local and foreign banks and other investment companies for funded and non-funded financial facilities.
• Ensure timely opening of Letter of Credit from Indonesia and Malaysia.
• Coordinate for timely payment of LC including Usance and Sight.
• Responsible for whole correspondence with leasing companies for the lease of company vehicles, plant & machinery etc.
• Assist in keeping up-to-date record of insurance, stock, shares, and all documents which pertain to syndicate financing funded and non-funded facility.
• Dealing / correspondence as well as keeping updated record of whole correspondence with all syndicate banks including HBL, ABL, NBP, UBL, SCB, HMB, Askari Bank, Bank Alfalah, KASB, Barclays Bank etc., regarding charge increase/decrease and syndicate financing facilities.
• Ensure timely audit / survey / inspection of company stocks and plant located at SITE area.
• Assist in dealing with all leasing and Modaraba companies including Orix Leasing, Askari Leasing, First Habib Modaraba, Crescent Leasing, Standard Chartered Leasing, First Habib Bank Modaraba, Saudi Pak Leasing, for the leasing of HOM plant & machineries and equipment etc.
• Coordinate with company lawyer for asset charge registration / hypothecation on movable and immovable assets in SECP.
• Interact with consultants for company asset valuation, including Joseph Lobo, Rizvi Associates, Younus Mirza & Co, Danish & Company etc.
• Follow up with audit department regarding different matters.
• Whole filing of treasury department.

Senior Finance & Treasury Officer at Byco Petroleum Pakistan Limited (2008-05 – 2016-02)

• Responsible for whole correspondence with financial institutions including local and foreign banks and other investment companies for funded and non-funded financial facilities.
• Ensure timely opening of Letter of Credit from Middle East countries, export of Naphtha to Afghanistan and UAE etc.
• Coordinate for timely payment of LC including Usance (Crude Oil LC) and Sight (Parts LC).
• Responsible for whole correspondence with leasing companies for the lease of company vehicles, plant & machinery etc.
• Assist in keeping up-to-date record of insurance, stock, shares, and all documents which pertain to syndicate financing funded and non-funded facility.
• Dealing / correspondence as well as keeping updated record of whole correspondence with all syndicate banks including HBL, ABL, NBP, UBP, SCB, HMB, Askari Bank, Bank Alfalah, KASB, Pak Oman, Pak Libya Holding Co, SAPICO, Barclays Bank etc., regarding charge increase/decrease / syndicate financing facility.
• Ensure timely audit / survey / inspection of company stocks and plant located at Hub Balochistan, Zulfiqarabad (Zot) and Keamari.
• Assist in dealing with all leasing and Modaraba companies including Orix Leasing, Askari Leasing, First Habib Modaraba, Crescent Leasing, Standard Chartered Leasing, First Habib Bank Modaraba, Saudi Pak Leasing, for the leasing of BPL vehicles, machineries and equipment etc.
• Coordinate with company lawyer for asset charge registration / hypothecation on movable and immovable assets in SECP.
• Interact with consultants for company asset valuation, including Joseph Lobo, Asif Associates, Rizvi Associates, Younus Mirza & Co, etc.
• Follow up with audit department regarding different matters.
• Whole filing of treasury department.
• Keep follow-up with all banks regarding opening of accounts and lockers.
• Dealing / correspondence as well as keeping updated whole record of insurance policy of fixed assets and current assets with the syndicate banks.
• Preparation of daily bank financial position on a daily basis.
• Keep up-to-date record and correspondence with syndicate banks regarding monthly stock position.
• Ensure timely provision of all company bank reconciliations.

Financial Analyst — Cost Management Unit, Central Finance Division at Standard Chartered Bank Limited (2007-01 – 2008-05)

• Prepared cost segmentation report of the whole cost of 115 branches of Standard Chartered Bank all over the country.
• Reporting of all cost structure to the UK head office of the whole cost of Pakistan expenses on a monthly basis.
• Reporting of all expenses / cost of all departments on a weekly basis.

Financial Analyst at Union Bank Limited (2002-08 – 2006-12)

• Prepared management information system reports of the whole business of operations and consumer banking.
• Prepared reports of business profit to higher management on a daily basis.
• Prepared reconciliation report of "Rajaive" and reported to higher management on a daily basis.

Risk Management Analyst at Union Bank Limited (2002-08 – 2006-12)

• Handled all Visa and MasterCard local chargebacks, presentments, pre-arbitration and pre-compliance of all local issuers.
• Corresponded with all local issuers including Citibank, Standard Chartered Bank, Askari Commercial Bank, Bank Al-Falah Limited and Muslim Commercial Bank etc.
• Reconciliation / offsetting of all debits and credits initiated by issuers.
• Corresponded with local merchants within the city and upcountry regarding local chargebacks.
• Prepared reconciliation reports relating to chargebacks for upcountry branches.
• Filing.

Auditor at Feroze Sharief Tariq & Company, Chartered Accountants (2000-08 – 2001-08)

• Audited various Pvt. Ltd. companies, Limited companies and Multinational companies during this period, including: Singapore Airlines Pakistan, Swiss Airline, Hashwani Group of Companies, General Engineering & Company, Regent Textile Mills Limited, Nichimen Corporation, Pakistan Steel Mills, Cyber Access, Access Limited, and English Boot House.

ACCA in Foundation Stage completed – Association of Chartered Certified Accountants (2001 – 2002)

MBA in Finance & Accounting (2000 – 2001)

M.A. in Economics – University of Karachi (1996 – 1998)

B.Com – University of Karachi (1993 – 1995)