MUHAMMAD OWAIS
Villa Park,Pakistan
Summary
Green card holder authorized to work in the US with extensive experience in banking and financial analytics. Over a decade of expertise in roles such as MIS Manager, Senior Officer MIS and Analytics, and Business Analyst within leading financial institutions in Pakistan, resulting in a strong skill set. Demonstrated ability in strategic analytics development, comprehensive reporting processes oversight, budget forecasting, portfolio monitoring, and effective collaboration across departments for data analysis and process optimization. Proficient in advanced tools like SAS, Microsoft Excel, Microsoft Access and Power BI for reporting, dashboard creation, and data visualization. Holds an MBA from PAF-KIET Karachi and certifications in banking specialization and dashboard reporting. Accumulated significant experience in managing delinquency reports, credit risk assessments, financial provisioning summaries, and compliance reporting tailored for both internal management review and external audits. Seeking to leverage expertise in financial analytics or data-driven decision-making roles within progressive organizations focused on innovation and operational excellence.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Manager MIS - Consumer & Collections
Habib Metropolitan Bank
Karachi
12.2021 - 12.2024
- Produced and reported strategic analytics for consumer credit business.
- Managed routine reporting tasks covering the entire analytics lifecycle for consumer credit.
- Supervised completion of MIS initiatives with a focus on accuracy and punctuality.
- Managed tasks that contribute to key strategic goals of the company.
- Oversaw coordination and management of CIU and collections budget process.
- Compiled and analyzed interdepartmental information to produce detailed management reports.
- Contributed to development of product programs for credit policy.
- Coordinated with IT stakeholders for seamless development of customized reporting solutions along with LOS.
Senior Officer MIS and analytics
Silk Bank Limited
Karachi
01.2016 - 12.2021
- Managed database for personal installment loans and credit lines.
- Generated analytical summaries pertaining to consumer portfolio data.
- Analyzed and reported net flows by product.
- Produced consumer risk report and contributed to financial data analysis.
- Developed detailed summaries of monthly CIR and cap trends.
- Compiled comprehensive reserve summaries for each product line.
- Prepared reconciliations of provisions and reversal trends segmented by product.
- Reported data checks to appropriate department.
- Conducted analysis of budget-to-actual variances to identify financial discrepancies.
- Managed written-off portfolio for comprehensive analysis.
- SBP & management Ad-hoc queries response
- Streamlined deployment of CWX system by engaging closely with collection teams.
Business Analyst
NIB Bank Limited
Karachi
06.2013 - 01.2016
- Reported retail non-performing loans and provisioning figures.
- Prepared monthly MIS reports for portfolio analysis.
- Oversaw WO pool management function.
- Compiled data and visuals for monthly executive presentation.
- Prepared comprehensive and detailed provision summaries.
- Compiled high-level numerical insights for streamlined reporting.
- Managed NPL movement.
- Developed comprehensive monthly retail risk dashboards.
- Prepared detailed MIS reports to meet management queries.
- Responded to spontaneous SBP and management inquiries.
- Maintained comprehensive records of monthly FSV trends.
- Facilitated smoother audit processes internally and externally.
- Delivered performance insights through MIS and detailed analysis to senior management promptly.
- Analysis of retail segment of delinquent customers through daily reporting
- Developed detailed MIS reports such as Delinquency report and Repossession insights utilizing SAS for data extraction and interpretation.
- Assisted with crafting monthly decks aligned with risk requirements for retail portfolio analysis.
- Conducted monthly preparation of data and net flow analyses.
- Produced regular KRI and recovery data on a monthly schedule.
Administrative Office Manager
Stylish Banquet
Karachi
02.2011 - 05.2013
- Managed preparation and review of budgets, revenue reports, expenses, and payroll entries.
- Evaluated revenue and spending patterns to suggest optimal budget allocations.
- Addressed client disputes by conducting detailed investigations.
- Developed accurate pricing estimates tailored to client needs.
- Developed accurate pricing estimates tailored to client needs.
- Provided expert guidance on grounds-keeping care essentials.
- Recommended process adjustments to enhance operational efficiency.
- Conducted spot checks to enhance service quality.
Officer Budgeting and Financial Analysis
Soneri Bank Limited
Karachi
05.2010 - 01.2011
- Prepared and upgraded budget templates.
- Conducted rolling forecasts.
- Created detailed monthly variance reports to track performance.
- Monitored and reconciled variances between projected budgets and actual expenditures.
- Conducted comprehensive analyses on deposits, advances, income and expenditure variances.
Education
Master Of Business Administration - Finance
PAF KIET
Karachi08.2009
Bachelor of commerce - Accounting
University of Karachi
Karachi07.2006
Intermediate - Pre Engineering
Govt. National College
Karachi09.2003
Matriculation -
St. George's
Karachi04.2001
Skills
- Problem Solving Skills
- Analytical Skills
- Effective Time Management
- Team Work
Certification
- Intermediate to Advance Excel
- Power BI
Timeline
Manager MIS - Consumer & Collections
Habib Metropolitan Bank
12.2021 - 12.2024
Senior Officer MIS and analytics
Silk Bank Limited
01.2016 - 12.2021
Business Analyst
NIB Bank Limited
06.2013 - 01.2016
Administrative Office Manager
Stylish Banquet
02.2011 - 05.2013
Officer Budgeting and Financial Analysis
Soneri Bank Limited
05.2010 - 01.2011
Matriculation -
St. George's
Master Of Business Administration - Finance
PAF KIET
Bachelor of commerce - Accounting
University of Karachi
Intermediate - Pre Engineering
Govt. National College