Wahab Azam

Accomplished Banking Operations & Finance Manager with 10+ years in Banking Operations, Audit, Reporting & Compliance.

Managed Branch

Operations of AAA/A+ rated bank with 300+ branches and 500M+ portfolio, handling daily transactions of 50M+. Expert in GL Reconciliation, P&L, Cash Flow, Fixed Assets, Branch Audits (20+ branches), and SBP Prudential Regulations. Improved collection efficiency by 20% and reduced TAT by 15%.

Assistant Manager (Accounts & Finance) at ISMMART Group of Industries (Pak & UAE) (2022-08 – 2024-03)

• Managed full accounting cycle, reconciled 10+ Bank Accounts (Pak & UAE) and ensured month-end closing within 5 working days.
• Handled Account Rec./Pay. of 100+ clients/vendors, improved collection efficiency by 20%.
• Recorded daily revenue and expense originating from UAE projects (Hotel 17 by ISMMART, Super Stores, Outlets, Restaurants) – multimillion AED & PKR monthly amount.
• Created Fixed Asset Register for 100+ asset, ensuring accurate depreciation as per standard.
• Prepared monthly P&L, Cash Flow, maintained audit records with 100% internal controls.

In Charge CAD and Credit Insurance at JS Bank Limited (2022-03 – 2022-08)

• Developed lending process map for all portfolios (Retail & SME) and reduced turnaround time by 15%.
• Identified loan origination deficiencies, scrutinized loan approval as per bank SOP. Collected & reviewed insurance data from 50+ branches, submitted reports to SBP.
• Analyzed customer bank statements, credit worthiness & aging analysis.
• Maintained loan related files and collaborated with Recovery Team against defaulters.
• Manage receivables & bad debts and ensuring proper allocation of waiver against aged payment cycle.

AREA Operations Manager/ Internal Audit Department at Zarai Taraqiati Bank Limited (ZTBL) (2014-12 – 2022-03)

AAA/A+ Rated Bank

• Managed end-to-end banking operations, cash management, Vault Limit & customer services and ensure 100% compliance of SBP on account opening KYC/AML.
• Managed PAR at 2.8% for cluster of 22 Branches of Sindh Region through daily recovery follow ups and Audit Controls.
• Prepared monthly/quarterly operational & compliance reports for Regional & Head Office as per SBP Prudential Regulations and present report to Management for corrective action.
• Conducted periodic audit, surprise Audit 20+ branches (Sindh Region), evaluated operational risk i.e Loan related, Account Related, Other Operational Activities.
• Implemented robust internal control framework ensuring 100% adherence to audit & compliance regulations to avoid SBP Penalties.
• Reconciliation & timely rectification of operational activities having revenue impact.
• Provide insights and recommendations to senior management regarding credit risk assessment, collection efficiency, and process enhancements.
• Led Team of 35+ staff (BOMs, MCOs, Tellers, Auditors) and trained them and conduct weekly performance meeting over Recovery and Operational matters.

Master of Business Administration in Finance – KASBIT UNIVERSITY

Bachelor of Commerce – University of Karachi