I had performed in multiple microfinance organization (MFI & NBFC) where my responsibilities were program implementation, Management and coordination, staff capacity building,
a) Monitoring and Audit:
Microfinance Program pre/post disbursement monitoring, also part of audit team on behalf of program for technical advisory support to audit team. Financial record reconciliation, non-financial record reconciliation.
b) Microfinance program Implementation:
During my microfinance carrier of 09 years, I am directly involved in project implementation at multiple position in multiple microfinance organization, where I my responsibilities were to make sure to achieved assign target of disbursement and recovery by maintaining zero percent PAR and 100% APO. Keeping in view compliance and audit observation, meeting with borrowers during field visit at field offices. Attend Village organization meetings with committee members and other stake holder. Provide on job training to staff where required on program implementation, MIS, record keeping and update, reconciliation, portfolio supervision, reporting to management, Identify operational & non-operational risk and counter action on risk mitigation. Support audit and monitoring team during audit and monitoring.
c) Program Management: Performed at managerial position.
To supervise program by ensuring compliance, monitoring and Audit. Program ratio analysis. Supervise detail implementation plan according to market trend. Portfolio management. Supervise portfolio cash flow and recovery target by maintaining zero overdue & PAR. Efficient utilization of budget. Successful implementation of program within scare resources with motivated staff. Supervise MIS regularly. Arrange and provide on job for staff to build their microfinance capacity.
d) Coordination with program stakeholders:
Having good microfinance knowledge and grass root experience I have responsibility of focal person with donor by providing timely required reports i.e MPR, area wise disbursement and recovery reports, PAR summary, Aging reports, sector or trade wise disbursement, MIS reports, case studies, disbursement ceremony reports with pictures, organization detail Implementation plan, Audit and compliance reports and their counter action, Risk identification and their mitigation strategy, portfolio status, monthly tetra layer reconciliation, (Bank, MIS, FIS and Hard record). Integration of Microfinance with core programs of organization.
e) Capacity building and Trainings:
Provide on job training to staff on microfinance techniques, staff productivity, MIS, Record keeping, Area assessments and identification. Identification of targeted borrowers, program compliance, policy procedure, tools, recovery techniques, time management, area management, reporting from MIS.
f) Visit and travelling:
Travel extensively in field. Have regular monitoring & audit visit as per planned and need. No disability in travelling, feel free to travel.
Microfinance program implentation in KP, Balochistan, AJ&K,
Supervision Microfinance activities in KP, BAlochistan & AJ&K,
Monitoring, Audit and Compliance of Microfinance Program activities at Field level and head office level,
Reporting and coordination with all microfinance program related stake holder,
staff capacity building and training on microfinance program techniques and program nature,
visit and travel to field offices,
Area office branch offices microfinance program activities Supervision,
DSP microfinance program Implentation,
Area & Field office Management,
Staff capacity Building,
Visit to field office for monitoring activities,
Reporting & Coordination inbetween Head office,Area office and Field offices,
Support area manager in microfinance project implementation and management.
Financial Data Punching in ERP,
staff Payroll,
Local puchase order generation,
Inventory reocrd,
Recovery from vendor,
Payment to vendor,
Bank reconcillation,
Monthly income expense sheet,
Reports to company management,
Microfinance program Implementation,
Microfinance Program Supervision,
Account & Financial Record Supervision,
Branch Management,
Reporting and Coordination with Stake holder,
Branch Staff capacity building,
Branch area target planing, implemtation and mangement,
Microfinance Diploma
Certified Islamic Microfinance Manager
Cash Rs. 5000/-