Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Timeline
Generic
Zafar M. Khan

Zafar M. Khan

Summary

Experienced Accounts and Administration Manager with a strong background in Investment Banking and Customer Service. Demonstrated success in enhancing operations, driving business growth through process optimization, and establishing internal controls. Collaborated with system implementation teams to provide functional expertise during new system rollouts. Seeking a challenging role in a dynamic organization that fosters continuous professional growth

Overview

24
24
years of professional experience
1
1
Certification

Work History

Manager Retail – Sales and Accounts

Golden Threads (GT)
12.2021 - Current
  • Key Responsibilities:
  • Sales Supervision & Client Relations
  • Monitor and supervise sales team activities to ensure adherence to company policies and procedures through effective communication.
  • Conduct meetings with corporate clients to build and maintain long-term business relationships.
  • Prepare and send quotations; follow up with clients to secure approval and initiate agreement processes
  • Accounts & Financial Oversight
  • Review and oversee all account activities, including sales, purchases, income, and expenditure on a monthly basis to maintain cost control.
  • Monitor accounts receivables and payables; verify documents and approve payment vouchers.
  • Perform monthly bank reconciliations.
  • Approve payroll data and disburse salaries through the WPS system.
  • Follow up with customers on outstanding payments.
  • Prepare and analyze reports for management detailing factors affecting product and service profitability.
  • Maintain Income & Expenditure accounts and Balance Sheet; ensure monthly account closures.
  • Prepare VAT reports quarterly for filing.
  • Coordinate internal audits with auditors, ensuring timely and accurate responses.
  • Ensure compliance with company financial procedures and relevant regulations.
  • Coordinate with typing centers for visa processing.
  • Manage processing of medical insurance for all employees.
  • Handle the processing and renewal of tenancy contracts, Ejari, and trade licenses.
  • Maintain records and daily monitoring of office staff activities.
  • Assist in directing daily workflows and task distribution across all staff

Manager Accountant & Administration

Threads & Tailors
10.2015 - 12.2021
  • Reconciled financial accounts and reviewed expense data to ensure accuracy and compliance.
  • Prepared accounts receivable and accounts payable reports, maintaining up-to-date financial records.
  • Managed petty cash transactions on a weekly basis; ensured all expenses were recorded accurately and approved by the Manager.
  • Recorded and booked daily expense vouchers in Tally ERP, supported by verified documentation.
  • Collaborated with external auditors to prepare and finalize monthly audited financial reports for submission to the Managing Director.

Commercial Manager

FabTech Technologies International Ltd, Mumbai
12.2013 - 04.2014
  • Managed and streamlined day-to-day operations of the Commercial Department, including processing of Purchase Orders, Sales Orders, Invoicing, and reconciliation of financial project reports.
  • Identified and reduced reconciliation errors, leading to improved accuracy and efficiency in financial reporting.
  • Handled the processing of Bank Guarantees (Advance Bank Guarantees - ABG & Performance Bank Guarantees - PBG) and coordinated with clients to ensure timely payments upon submission.
  • Reconciled clients’ ledger accounts, addressing and resolving issues and complaints during project closures.
  • Exercised control over collections to ensure healthy cash flow; successfully increased collection efficiency from 75% to 85% before project closure, minimizing potential financial losses

Senior Financial Analyst - Collateral Operation

Credit Suisse Bank, Pune
01.2013 - 07.2013
  • Managed daily reconciliation and balancing of client accounts for the U.S. Stock Lending and Borrowing Department (Collateral Operations).
  • Investigated and resolved outstanding breaks by working on mismatch reports and escalating unresolved issues to the onshore U.S. team and Senior Managers.
  • Reconciled pricing discrepancies between U.S. and London contracts, handling acceptance or return of securities and interest rate adjustments in accordance with trader instructions.
  • Maintained and developed strong working relationships with both internal stakeholders and external clients to ensure efficient operational processes and support overall organizational objectives.

Senior Financial Analyst-Equity shares Operations

The Royal Bank of Scotland, Mumbai
05.2007 - 07.2012
  • Supervised and led a team of five in the Trade and Settlement Department, client account setups for Asia trades, and pre-matching Hong Kong trades.
  • Ensured timely release of trade instructions and provided escalation control (GBM), resolving queries within market deadlines.
  • Conducted performance improvement planning, including monthly brainstorming sessions to optimize operational processes and identify efficiencies.
  • Maintained strong process controls to mitigate risk, ensuring adherence to documented procedures and escalation metrics.
  • Trained new joiners on key operational processes and system usage.
  • Prepared and delivered End-of-Day (EOD) reports with unmatched trades to the London Front Office and internal Back Office teams.
  • Key Achievements & Projects:
  • Actively contributed to the Unicorn Project, aimed at decommissioning the outdated XTAS system and migrating trade bookings to the RIMS platform.
  • Led the amendment of static data in systems, reducing manual trade input, increasing automation, and significantly cutting operational costs.
  • Improved global operational efficiency and reduced risk exposure by enabling seamless trade booking through automation.
  • Spearheaded efforts to optimize account static setups, reducing the volume of stuck trades and enhancing trade flow efficiency.
  • Received the “Workout Certificate” in recognition of significant cost savings and efficiency improvements in trade operation

Team Supervisor– Preferred Banking Customer Service

The Royal Bank of Scotland, Mumbai
12.2002 - 05.2007
  • Supervised a team of 10 customer service representatives in the Preferred Banking division, ensuring high levels of service quality and timely issue resolution.
  • Consistently achieved performance targets by maintaining key service levels and customer satisfaction metrics.
  • Developed and implemented continuous process improvement plans in collaboration with senior management to streamline operations and enhance efficiency.
  • Facilitated monthly brainstorming sessions to reduce errors, optimize workflows, and improve team productivity on an ongoing basis

Accountant

Cheba Plast-Tech Pvt Ltd
04.2001 - 12.2002
  • Independently managed day-to-day accounting functions, ensuring accurate and timely financial records.
  • Issued Purchase Orders and coordinated with vendors to ensure timely delivery; recorded accounts receivable, accounts payable, and expense vouchers in Tally ERP.
  • Reconciled petty cash and bank statements daily to maintain financial accuracy and cash flow transparency.
  • Supported revenue generation by contributing to daily sales target achievement.
  • Prepared and filed Income Tax and Sales Tax returns, coordinating closely with the tax consultant to address and resolve all tax-related matters.

Education

Bachelor of Commerce (B. Com) - Commerce

University of Mumbai

Skills

  • Technical Skills

  • Proficient in working on Windows, MS Office, Internet

  • Analytical skills

  • Management skills

Accomplishments

• Certified Six Sigma yellow belt training
• Certificate in Sales Tax Allied Laws conducted by the Tax Practitioners Association of Maharashtra, Mumbai
• RBS awarded Workout Certificate for saving pure cost in Euros for Trade Support Group
• RBS awarded Workout Certificate for reducing the trades volumes on Pend queue
• ABN bank certified best customer service award for providing quality service to the high network Clients

Certification

  • Certified Six Sigma Yellow Belt – Demonstrated expertise in process improvement and quality management.
  • Certificate in Sales Tax & Allied Laws – Awarded by the Tax Practitioners Association of Maharashtra, Mumbai.
  • Workout Certificate – Cost Savings
    Royal Bank of Scotland (RBS) – Recognized for contributing to significant cost savings (in Euros) for the Trade Support Group.
  • Workout Certificate – Process Efficiency
    Royal Bank of Scotland (RBS) – Awarded for successfully reducing trade volumes on the pending queue for the Trade Support Group.
  • Best Customer Service Award
    ABN AMRO Bank – Honored for delivering exceptional service to high-net-worth clients.

Timeline

Manager Retail – Sales and Accounts

Golden Threads (GT)
12.2021 - Current

Manager Accountant & Administration

Threads & Tailors
10.2015 - 12.2021

Commercial Manager

FabTech Technologies International Ltd, Mumbai
12.2013 - 04.2014

Senior Financial Analyst - Collateral Operation

Credit Suisse Bank, Pune
01.2013 - 07.2013

Senior Financial Analyst-Equity shares Operations

The Royal Bank of Scotland, Mumbai
05.2007 - 07.2012

Team Supervisor– Preferred Banking Customer Service

The Royal Bank of Scotland, Mumbai
12.2002 - 05.2007

Accountant

Cheba Plast-Tech Pvt Ltd
04.2001 - 12.2002

Bachelor of Commerce (B. Com) - Commerce

University of Mumbai

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Zafar M. Khan