Mohammed Aarif

Oversaw day-to-day operations across 30 restaurant branches, ensuring smooth workflow, compliance,
and accuracy in financial transactions.
Managed billing, invoicing, and payment processing for branch-level and corporate accounts, maintaining
accurate receivable records.
Monitored outstanding balances and coordinated with branch managers and clients to ensure timely
collections and resolution of discrepancies.
Performed bank reconciliations and account reconciliations, ensuring alignment between bank
statements and accounting records and resolving discrepancies promptly.
Assisted in cash flow tracking and preparation of daily and weekly MIS reports for senior management.
Implemented and maintained operational controls to improve efficiency and ensure compliance with
internal policies.

Computed taxes owed and prepared tax returns, ensuring full compliance with payment, reporting, and
other tax obligations.
Collected and analyzed financial data to identify deficient controls, duplicated efforts, and areas of
excess.
Conducted account reconciliations to resolve discrepancies, maintain accurate ledgers, and ensure
alignment between customer accounts and general ledger.
Collaborated with external auditors during reviews and examinations of financial documents to ensure
accuracy and compliance.
Prepared detailed financial statements and receivables summaries to support month-end and year-end
closings.

Delivered exceptional customer service by resolving inquiries and providing accurate information in a
timely manner.
Processed back-end tasks for the disbursal of Islamic and Conventional Loans, ensuring full compliance
with internal controls and regulatory requirements.
Prepared and distributed daily MIS reports to management, providing insights into loan processing
activities.
Processed credit applications, verifying customers financial information to authorize loans effectively.

Managed end-to-end reconciliation of debit and credit card transactions, ensuring accuracy, compliance,
and timely resolution of discrepancies.
Investigated and resolved transaction discrepancies by collaborating with internal teams and external
partners (e.g., Visa, MasterCard).
Ensured general ledger (GL) accounts tied to card transactions were balanced and matched with bank statements.
Prepared accurate reconciliation reports for internal audits and regulatory compliance.
Supported process improvements by identifying system gaps, streamlining reconciliation workflows, and
enhancing reporting accuracy.

Ensured transactions were completed efficiently and with a high level of accuracy.
Provided support and information to customers both over the counter and by phone.
Performed administrative tasks such as filing, generating reports, and maintaining mail correspondence.
Prepared the daily End of Day sheet at the close of each business day to document financial
transactions.

Involved in the sales of Smart Loans, Personal Loans, and Credit Cards, driving revenue growth.
Generated detailed reports on weekly and monthly sales performance, comparing results against
established targets.
Prospected for new leads and followed up on customer inquiries to drive sales conversions.
Utilized CRM software tools to monitor daily progress toward sales targets and optimize strategies.