Commerce Graduate with more than 18 years of experience in the field of Accounting & Finance with exposure of Pakistan and Saudi Market. Mainly worked in Banking, Retail Petroleum and Food Manufacturing industries in Finance department (Payable/Receivables control, Payroll, Fixed asset management). Hands on experience of working on ERP Microsoft Dynamics & GP.
Overview
22
22
years of professional experience
2004
2004
years of post-secondary education
Work history
Finance Manager
AL ARABIA KEY CONTRACTING COMPANY
Jeddah, Saudi Arabia
01.2023 - 11.2025
Collaborated with project managers to develop detailed, cost-effective budgets for construction projects.
Managed accounting tasks throughout project life cycle, including preparing invoices and estimating cash flow.
Analysed financial transactions, incorporating unforeseen costs into overall budget assessments.
Maintained comprehensive financial records for internal audits and tax compliance.
Prepared thorough cost analyses by interpreting project-related financial data.
Reported financial risks and budget discrepancies to management for timely review.
Reviewed monthly, quarterly, and annual financial statements to ensure accuracy and compliance with accounting standards.
Sr. Accountant
GRANDEUR PRODUCTS TRADING EST – AKUN GROUP
Jeddah, Saudi Arabia
01.2020 - 12.2022
Maintaining of all Accounting Books & Records.
Creation of general ledgers, accounts receivables and accounts payables.
Day to day accounting work includes entries of purchase, sales, daily expenses and incomes.
Recording the cash and bank receipts and payments with proper documents.
Costing of the product.
Preparation of monthly profit and loss statement.
Reviewing the monthly payroll of all employees.
Finalization of trail balance of three (3) companies on monthly basis to effectively manage and control finance to help the management in making crucial decisions for growth of business.
Preparation of bank reconciliation statements.
Making sure all the financial reports monthly/yearly releases on time maintaining accuracy.
Preparation of VAT Report.
Filing VAT Return – Quarterly.
Following up with the receivables for collection, according to due date.
Processing payments for all suppliers, according to due date and terms and conditions.
Closing book of accounts at the year end and coordinate with external auditor for professional reports
Grandeur Products Trading Est is an exclusive production facility dedicate to produce DATES namely VICTORIA & BARKAT AL MADAIN.
Sr. Accountant
ARROW BEVERAGE FACTORY – Carlsberg Licensee
Jeddah, Saudi Arabia
01.2013 - 01.2019
Conducted comprehensive reviews and analyses of Accounts Receivable function and debtor/creditor ageing.
Executed weekly follow-ups with debtors and creditors to ensure timely payments.
Identified changes in payment patterns and proposed preventative actions against indebtedness.
Managed disputed bills, negotiating resolutions to adhere to agreed payment terms.
Posted payments to accounts, allocating them accurately as required.
Generated monthly client statements and letters as per agreements with stakeholders.
Performed account reconciliations to maintain accuracy in financial records.
Ensured timely creation and record-keeping of fixed assets, conducting periodic physical counts.
Accountant (Accounts Payable)
NAFT SERVICES COMPANY
Jeddah, Saudi Arabia
06.2009 - 11.2012
Managed invoicing, transaction entries, and payment handling for subcontractors across all regions.
Oversaw receipt of invoices from Saudi ARAMCO, including monthly payment reconciliations.
Maintained comprehensive records of advance payments to suppliers with accurate transaction entries.
Supervised billing and payment processes for construction projects until completion.
Handled invoicing and payments for fuel transportation, courier services, and lubricant suppliers.
Compiled detailed weekly supplier reports in Excel to track financial activities.
Executed bank reconciliations and prepared monthly sales reports for all stations.
Research Analyst & Equity Dealer
ZHV SECURITIES (PRIVATE) LIMITED
Karachi, Pakistan
01.2006 - 01.2008
Portfolio Management for about 80 clients that included individual as well as corporate clients.
Technical Analysis that focused on detecting equity trends using historical simple and moving averages to detect upward/downward trends and predicting possible price movement ranges.
Portfolio analysis that included recommendations on possible portfolio combinations between stocks, mutual funds and other investment trust products;
Providing regular/scheduled feed to clientele that included reports.
Fundamental analysis of companies that included tracking assets, liabilities; calculating financial ratios that determine growth and companies’ values. Fundamental in combination with technical analysis formed the basis of equity selection for recommendations to the clientele.
ZHV Securities was one of the leading Brokerage Houses of Karachi Stock Exchange.
Business Development Officer (Consumer Finance)
UNITED BANK LIMITED
Karachi, Pakistan
01.2004 - 01.2006
Promotion of the bank products to individual and corporate customers. This included auto lease finance, and at times bank credit cards.
United Bank Limited (UBL) is one of the largest commercial banks in Pakistan having more than 1,320 online branches inside the country.
Education
Bachelor of Commerce - Accounting & Finance
University of Karachi
Pakistan
Skills
Microsoft Dynamics AX and GP
Accounting software proficiency
Project management tools
Microsoft Office applications
Languages
English
Advanced
Arabic
Intermediate
Urdu
Native
Training History
Participated in Real Team Building Matters by MLR Matters International – USA 2014
Participated in Higher Productivity & Balance/Successful Happy Life by MLR Matters International – USA 2015
CORE COMPETENCIES
Bookkeeping and analysis
Financial accounting, reporting
Corporate Finance
Results focused: Always driven activities till executions and achievements.
Transport & Equipment Coordinator at SAAD AL ESSA GROUP OF, CONTRACTING COMPANY, Province Abqaiq Kingdom of Saudi ArabiaTransport & Equipment Coordinator at SAAD AL ESSA GROUP OF, CONTRACTING COMPANY, Province Abqaiq Kingdom of Saudi Arabia