Senior IFB Operation Officer at Abay Bank S.C. (2020-12 – Present)
Interest Free Banking Department
- Lead day-to-day Interest-Free Banking (IFB) operations in full compliance with Sharia principles and National Bank of Ethiopia directives.
- Administer Profit Distribution Management (PDM) processes, ensuring accurate and timely distribution to depositors.
- Provide technical and operational support to over 530 IFB-enabled branches across the country.
- Develop operational guidelines, training materials, and policy updates for branch-level IFB staff.
- Liaise with the Finance Department and senior management on IFB-specific regulatory and reporting matters.
Senior Accountant at Abay Bank S.C. (2019-06 – 2020-12)
Finance Department
- Prepared and reviewed financial statements, management accounts, and regulatory reports in line with AAOIFI standards.
- Coordinated month-end and year-end closing processes, ensuring accuracy and timeliness.
- Conducted variance analysis and provided actionable insights to management for strategic decision-making.
- Collaborated with internal and external auditors, addressing queries and implementing audit recommendations.
Branch Manager at Abay Bank S.C. (2015-09 – 2019-06)
Habtegiorgis Branch
- Managed all branch operations including customer service, credit assessment, cash management, and staff performance.
- Grew the branch deposit portfolio and loan book by fostering strong community and corporate relationships.
- Supervised a team of 15+ staff, conducting performance appraisals, training, and professional development.
- Ensured full regulatory compliance and achieved consistently high audit ratings.
Accountant at Abay Bank S.C. (2014-04 – 2016-09)
Lalibela & Bomb Tera Branches
- Managed daily accounting transactions, reconciliations, and financial record maintenance.
- Processed loan disbursements, customer deposits, and inter-branch settlements accurately.
- Assisted branch management in preparing monthly performance and financial reports.
Junior Accountant at Abay Bank S.C. (2012-01 – 2014-04)
Gondar Branch
- Handled daily teller operations, cash balancing, and customer account management.
- Supported senior accountants in bookkeeping, GL entries, and regulatory submissions.
