Kinza Rauf
Lahore-Punjab
Summary
Dynamic and results-oriented professional with a successful career in finance, data analysis, fleet credit analysis, report evaluation, and client relations in a fast-paced setting. Adept at leading the preparation and analysis of financial reports, aging, reconciliations, budgets, and forecasts, while keeping organizational goals. Proven success in developing, implementing, and maintaining systems, procedures, and policies.
Overview
6
6
years of professional experience
Work History
Credit Analyst
West Point-Home
Lahore-Punjab
04.2024 - Current
- Conducted detailed analysis and prepared periodic reports detailing top customers overall portfolio performances and trends.
- Developed strategies to manage delinquent accounts and reduce overall portfolio risks.
- Evaluated the performance of existing customers by analyzing their past repayment behavior as well as current account status.
- Review AR aging reports on a regular basis to ensure that collection milestones established are observed.
- Ensure appropriate application of policies and procedures are followed.
- Consulted with senior management regarding proposed changes in underwriting standards or procedures.
- Developed relationships with external partners such as creditors, appraisers, title companies, in order to facilitate smooth processing of payments and AI invoicing.
- Worked closely with both customers, sales team and other departments to reconcile accounts and oversee payment negotiation, identify disputes and document root causes.
- Prepare monthly, quarterly, annual, and ad-hoc forecasting reports.
- Responsible for special assignments as assigned both within the department or the organization.
Assistant Manager - Finance
Bin Bakar
Lahore-Punjab
11.2019 - 03.2024
- Monitored and reviewed financial transactions in compliance with company policies and regulations to ensure data accuracy and integrity.
- Solely responsible for looking after matters related to Data Insights & Trends of the company.
- Analyzed competitors and market trends to facilitate business growth.
- Ensured timely filing of Sales & Income tax returns for the company as per statutory requirements.
- Performed and analyzed reconciliation of accounts receivable, accounts payable, and GL accounts regularly.
- Prepared balance sheets, income statements, profit and loss statements, and other documents related to finance activities.
- Prepared periodic forecasts, variances, ad-hoc and feasibility reports to assist management in decision making processes.
- Any Task assigned by Manager/CFO.
Financial Analyst
Bin Bakar
Lahore-Punjab
05.2018 - 03.2024
- Identified discrepancies in financial data and recommended corrective actions to resolve them.
- Extraction of network data into customer-specific information.
- Understand and translate internal & external client requirements and resolve discrepancies.
- Analyzed trends in financial performance to identify areas for improvement.
- Collaborated with other departments to ensure accurate budgeting and forecasting processes were followed.
- Assessed company investment potential by examining historical trends, current activities, and stated plans.
Education
Microsoft Power BI -
Lahore University of Management Sciences
Lahore, Pakistan07-2023
Bachelors of Business & Information Technology - Business & Information Technology
University of The Punjab
Lahore, Pakistan06-2018
Skills
- Proficient in SAP, Microsoft D365, Microsoft Power BI, Brio, and other ERP's
- Research and Analysis
- Project Management
- Data Mining & Modeling
- Power BI Reporting
- Business Forecasting
- Financial Modeling
- Account Reconciliation
- Oral and written communications
- Relationship Management
Accomplishments
- Awarded by Prime Minister Laptop Scheme
References
References available upon request.
Timeline
Credit Analyst
West Point-Home
04.2024 - Current
Assistant Manager - Finance
Bin Bakar
11.2019 - 03.2024
Financial Analyst
Bin Bakar
05.2018 - 03.2024
Microsoft Power BI -
Lahore University of Management Sciences
Bachelors of Business & Information Technology - Business & Information Technology
University of The Punjab
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