Zain Rattani
Singapore
Summary
Detail-oriented professional specializing in regulatory compliance and financial reporting. Expertise in IFRS standards and audit coordination, with a proven track record in performance analysis and process improvement. Advanced skills in Microsoft Excel utilized to optimize workflows and enhance operational efficiency. Committed to excellence in financial processes and strict adherence to industry regulations.
Overview
11
11
years of professional experience
1
1
Certification
Work history
Senior Manager – Finance
Habib Bank Ltd
Singapore
10.2022 - 07.2025
- Prepared monthly management accounts and IFRS-based year-end financial statements.
- Reviewed and ensured compliance with MAS 610, MAS 643, MAS 649, MAS 755, and MAS 757 returns.
- Handled AMR, QL reports, and MCB submissions to meet regulatory requirements.
- Monitored daily GL and PL balances to maintain compliance with regulatory ratios.
- Performed IFRS 9 ECL calculations and maintained associated documentation.
- Liaised with external auditors to resolve queries and finalize audit disclosures.
- Streamlined operations through efficient resource management strategies.
- Facilitated cross-functional collaboration that enhanced operational efficiency.
Manager Finance International / Senior Analyst (Team Lead) – G2
Habib Bank Ltd
Karachi
01.2021 - 09.2022
- Reviewed and submitted 150+ regulatory returns annually with 100% MAS compliance.
- Automated 70% of reports via Data Lake, cutting turnaround time by 40%.
- Built country-specific automation frameworks, reducing prep time by 30%.
- Coordinated with 3 overseas CFOs to align reporting with evolving regulations.
- Trained 10+ staff, improving accuracy and speed of submissions.
- Updated 12+ internal policies to meet local and global standards.
- Delivered management reports supporting strategic decisions.
- Streamlined processes, boosting efficiency by 25% and reducing errors.
Analyst Finance International – Manager G1
Habib Bank Ltd
Karachi
12.2018 - 12.2020
- Achieved 100% accuracy in regulatory reporting across five international HBL branches.
- Maintained comprehensive audit trails to ensure compliance with evolving regulations.
- Collaborated with IT to automate processes, enhancing efficiency by 35%.
- Managed high-volume workflows under strict monthly and quarterly deadlines.
OG-1 Officer – Risk Management
Bank AL Habib Limited
Karachi
08.2016 - 12.2018
- Generated liquidity mismatch, LCR, and NSFR reports for SBP with 100% accuracy and timeliness.
- Implemented OFSAA to automate liquidity reporting, reducing manual effort by fifty percent.
- Monitored deposit concentration and regulatory ratios to ensure compliance with SBP thresholds.
OG-I Officer – Zamzama Branch
Bank AL Habib Limited
Zamzama, Pakistan
04.2016 - 07.2016
- Managed KYC and documentation for over 500 accounts, ensuring compliance with AML/CFT regulations.
- Processed account openings while addressing 100 customer queries monthly to optimise efficiency.
- Implemented refined procedures to streamline turnaround times for customer inquiries.
OG-II Officer – Zamzama Branch
Bank AL Habib Limited
Zamzama, Pakistan
02.2014 - 04.2016
- Managed daily operations for over 300 clients, ensuring full SBP compliance.
- Delivered financial services that increased customer satisfaction by 20%.
Education
Association of Chartered Certified Accountants - Accounting, Finance, and Business
ACCA Global
United Kingdom 03.2023 -
Financial Risk Management - Financial Risk Management, Market Risk, Credit Risk, Operational Risk
Global Association of Risk Professionals (GARP)
United States (USA) 11.2018 - 02.2020
Junior Associateship - Banking and Finance
The Institute of Banker's Pakistan
Pakistan 09.2014 - 02.2017
Master of Business Administration - Finance
IQRA University
Karachi 01.2012 - 05.2015
Master of Commerce - Management
University of Karachi
Pakistan 01.2010 - 12.2011
Bachelor of Commerce - Commerce and Accounting
Govt. College of Commerce & Economics
Pakistan 01.2007 - 12.2008
Intermediate - Pre-Engineering
Aga khan Higher Secondary School
Pakistan 08.2004 - 05.2006
Skills
- Regulatory compliance
- Financial reporting
- Data automation
- IFRS standards
- Audit coordination
- Performance analysis
- Process improvement knowledge
- Microsoft Excel
- Reporting management
Languages
English
Advanced
Urdu
Native
Certification
Financial Risk Management (FRM)
Accomplishments
- Reduced monthly financial closing time by 30% through automation and process improvements.
- Led the automation of MAS 610 returns, completing the project in record time and enhancing reporting accuracy and efficiency for regulatory submission.
- Selected as an expatriate to Singapore based on proven performance and expertise in financial operations.
Affiliations
- Fitness and strength training
- Following global stock markets and technical analysis.
Personal Information
- Date of birth: 04/07/88
- Marital status: Married
References
References available upon request.
Timeline
Association of Chartered Certified Accountants - Accounting, Finance, and Business
ACCA Global
03.2023 -
Senior Manager – Finance
Habib Bank Ltd
10.2022 - 07.2025
Manager Finance International / Senior Analyst (Team Lead) – G2
Habib Bank Ltd
01.2021 - 09.2022
Analyst Finance International – Manager G1
Habib Bank Ltd
12.2018 - 12.2020
Financial Risk Management - Financial Risk Management, Market Risk, Credit Risk, Operational Risk
Global Association of Risk Professionals (GARP)
11.2018 - 02.2020
OG-1 Officer – Risk Management
Bank AL Habib Limited
08.2016 - 12.2018
OG-I Officer – Zamzama Branch
Bank AL Habib Limited
04.2016 - 07.2016
Junior Associateship - Banking and Finance
The Institute of Banker's Pakistan
09.2014 - 02.2017
OG-II Officer – Zamzama Branch
Bank AL Habib Limited
02.2014 - 04.2016
Master of Business Administration - Finance
IQRA University
01.2012 - 05.2015
Master of Commerce - Management
University of Karachi
01.2010 - 12.2011
Bachelor of Commerce - Commerce and Accounting
Govt. College of Commerce & Economics
01.2007 - 12.2008
Intermediate - Pre-Engineering
Aga khan Higher Secondary School
08.2004 - 05.2006
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