MUHAMMAD OWAIS
FP Mailing Solutions
Villa Park,Pakistan
1
Certification
16
years of professional experience
Green card holder authorized to work in the US, offering over a decade of experience in banking and financial analytics. Demonstrated expertise in strategic analytics development, management of comprehensive reporting processes, and collaboration across departments to enhance data analysis and processes. Proficient in advanced tools such as SAS, Microsoft Excel, Microsoft Access, and Power BI, enabling effective reporting, dashboard creation, and data visualization. Ready to contribute to innovative organizations that prioritize data-driven decision-making and operational excellence.
Work History
Credit Operations Specialist
1 Year 4 Months- Monitor overdue accounts, make collection calls, and send polite payment reminders via email or phone.
- Investigate and resolve billing discrepancies, chargebacks, and customer inquiries promptly.
- Prepare aging reports to analyze overdue accounts and evaluate credit risks.
- Create performance dashboards, and prepare operational risk or portfolio reports for management.
- Record and apply incoming payments (checks, credit cards, EFT, ACH) to the correct customer accounts.
Manager MIS - Consumer & Collections
3 Years- 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
5 Years 11 Months- 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
2 Years 7 Months- 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
2 Years 3 Months- 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
8 Months- 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
Bachelor of commerce - Accounting
Intermediate - Pre Engineering
Matriculation
Skills
Problem Solving Skills
Effective Time Management
Team Work
Portfolio management
Analytical thinking
SQL knowledge
Data analysis
Microsoft Excel proficiency
Certification
- Intermediate to Advance Excel
- Power BI
Timeline
Credit Operations Specialist
FP Mailing Solutions
06.2025 - CurrentRead More
Manager MIS - Consumer & Collections
Habib Metropolitan Bank
12.2021 - 12.2024Read More
Senior Officer MIS and analytics
Silk Bank Limited
01.2016 - 12.2021Read More
Business Analyst
NIB Bank Limited
06.2013 - 01.2016Read More
Administrative Office Manager
Stylish Banquet
02.2011 - 05.2013Read More
Officer Budgeting and Financial Analysis
Soneri Bank Limited
05.2010 - 01.2011Read More
St. George's
Matriculation
Read More
Govt. National College
Intermediate from Pre Engineering
Read More
University of Karachi
Bachelor of commerce from Accounting
Read More
PAF KIET
Master Of Business Administration from Finance
Read More