Financial Management

Treasury and Cash Management Budgeting, Planning and Costing Financial Analysis Business and Financial Modeling Business Process Improvements Financial, Regulatory and Management Reporting External Audit, Internal Audit and Risk Management Taxation and Regulatory Compliance Receivables Payables Payroll Fixed Assets Inventory

Work History

Work History
Sep 2008 - Present



Empowered to advise on any and all finance affairs, reporting directly to the Country Manager (chief executive).Ensured the timely preparation of financial statements and management reports, presenting this data to senior management.Prepared cash flow projections and analyzed cash position. Managed short-term corporate investments and negotiated with banks for improved credit facilities, exchange rates, and interest rates.Oversaw receivables and payables, ensuring compliance with relevant contracts, quick approval and processing of payments, and timely receipt of funds for outstanding invoices.Facilitated integration with the audit and tax departments through oversight of related functions.

  • Supported the establishment of new branch offices in India and Bangladesh and registration of company with appropriate regulatory bodies, as well as hiring and training new finance staff. By keeping this process in-house, overall cost was reduced by half and registration was much faster than anticipated.
  • Reviewed inventory management system to address discrepancies between system records and physical balance, suggesting the implementation of changes in the current business process.These structural improvements resulted in a dramatic decrease in inventory errors and a more efficient system overall.
  • Supervised the execution of a due diligence assignment for the purchase of an ownership stake in an E&P company, leading to a PKR 3M decrease in cost and a substantial reduction in transaction time.
  • Managed company investments in excess of PKR 2B as an alternate revenue stream, negotiating interest rates with banks and on average achieving rates in excess of 125 basis points higher than previously.
Jan 2007 - Aug 2008

Assistant Manager Audit

KPMG Afghanistan

Directed audits of financial sector (central bank, commercial banks, credit unions, and microfinance), executing assignments in Afghanistan for KPMG USA, KPMG UK, and KPMG Dubai.Generated financial statements according to International Financial Reporting Standards.Reviewed and finalized engagements, documentation, and management transmittal letters.Managed both external and internal audit engagements involving currency, credit risk, treasury, and liquidity management, as well as implementing and monitoring interest and exchange rate control policies.

  • Discovered undisclosed bank balances in foreign central and commercial banks derived from Foreign Reserve Assets that were missing from the books due to record loss during the war with Russia and the more recent civil war.The quantum of this work was the recovery of millions of US dollars from these accounts.
  • Overcame the unique circumstances of working in Afghanistan, including incessant warfare, a poor, mostly rural economy, and an underperforming and undereducated workforce, to establish a core staff of well-trained auditors.
Jan 2006 - Jan 2007

Manager of Financial Reporting


Oversaw the generation of financial statements according to applicable financial reporting framework (IFRS or GAAP), as well as regulatory reports for the State Bank of Pakistan (SBP) and the Pakistan Telecom Authority (PTA).Supervised execution of monthly close of accounts for head office and satellite offices.Coordinated with external auditors and group auditor to ensure internal controls and accuracy of financial statements.

  • Negotiated funded and non-funded facilities with state bank for imports amounting to PKR 300M and related terms of interest rate, commission charges, loan period, and required security.
  • Developed scheduling system to ensure timely issuance of invoices for interconnection (PKR 1.5B annually) for settlement with LDI companies.Reduced settlement time by as much as 50% per annum.
Sep 2004 - Jan 2006

Audit Senior


Audited listed and non-listed clients in the telecommunications, textile, petroleum, cement, and manufacturing sectors.Developed audit planning memorandum and issued board, management, and engagement letters. Carried out international reporting and group reporting according to IFRS, producing applicable financial statements.Conducted compliance review and financial and management reviews.Coordinated audit team activities to meet audit objectives within time and resource constraints. Oversaw the incorporation and liquidation of corporate bodies, including the filing of all relevant documentation and required due diligence.

  • Created financial statements for companies listed on the national stock exchange, which have special and more detailed reporting requirements under a separate Code of Corporate Governance and the Securities and Exchange Commission of Pakistan (SECP). 
Jun 2000 - Dec 2003

Manager of Finance and Costing


Established trade department as profit center and designed costing system for variance analysis.Prepared and presented financial analysis of profitability of consignments and trade department, as well as all management and stock valuation reports and consignment (export and import) costing for planning and control purposes.Negotiated with banks for the sanctioning of credit facilities and collateral requirements (mortgage, pledge, and hypothecation) and the issuance of export-import letters of credit (LC), guarantees, and export bill discounting.Supervised and executed monthly close of Financial Statements.

  • Established Foreign Trade Department and designed costing system for import of raw material and export of rice, for an annual turnover of PKR 1.8B. This move brought to the attention of management potential loss-making and profit-making activities so that corrective action could be taken.
  • Resolved pending issues with banks involving LC, securities documents, term deposits, and bank margins, which were pending for over 15 years. Within only five months, over PKR 5M of funds were released and charges on property amounting to PKR 300M were cleared.
Dec 2002 - Sep 2003

Tax Senior


Conducted tax engagements for clients in the petroleum, financial, and telecom sectors.Prepared and filed tax returns, rectifications, revisions, and appeals.Pursued assessments, submitted arguments, and responded to notices/queries.Appeared before tax authorities to argue client cases related to both direct and indirect taxes.Managed projects involving double tax treaties, international taxation, and routing back of profit to head offices. 


Jan 1995 - Dec 1997

Bachelor of Arts (BA)

University of the Punjab


I am a seasoned finance professional (Financial Specialist, Professional Accountant) with 10 years of diversified experience within finance at a management level. I have exposure within several industries including Petroleum, Financial, Telecommunications and Manufacturing. My background spans work with international accounting firms as well as strong private industry organizations. I have a excellent aptitude for information technology. My technology skillset includes proficiency in using MS Word, MS Excel, MS Access, MS PowerPoint and conversant with Oracle Financials, PeopleSoft and other ERP softwares. I am a natural born leader and thrive within roles that allow me to direct, supervise and further develop staff and implement ideas, strategies and problem solving techniques. A few of these instances include, but are not limited to:

  •  Established the independent Internal Audit Function and developed the company’s Internal Audit Manual. This improved efficiency in compliance with the policies and procedures by 25% and improvement of quality of work by 10%.
  •  Managed the audit of Central Bank of Afghanistan. (DAB) The team managed consisted of 25 professionals. Audit was completed in 75% less time than the previous year.
  •  Registered a new company for the establishment of a new rice exporting unit with the Securities and Exchange Commission of Pakistan, Tax Authorities, Chamber of Commerce and other government regulatory authorities within 1 month- half the time ( 50%) of that recommended by external service providers.

My aspirations are to continue to grow and to move into Director level (Director of Reporting, Director of Finance, Director of Accounting) and C-level (CFO, CEO) positions. I am flexible and able to adjust in changing environments and cultures; I am most interested in relocating to the GCC area (United Arab Emirates, Saudi Arabia, Kuwait, Iraq, Jordan, Behrain, Qatar) and I am available within a short time period.

Honours and Awards

BGP 5-Star Employee, 2009


  • Personal: Reading, Cricket, Social Networking and Watching Talk Shows
  • Professional: Treasury Management, Finance Management, Cash Management, Business Process Improvements, Financial and Regulatory Reporting, External Audit, Internal Audit, Risk Management, Taxation and Regulatory Compliance, Fixed Assets, Inventory


Jan 2010 - Jun 2010

Certified Internal Auditor (CIA)

The Institute of Internal Auditors---IIA, USA
Jan 2010 - Mar 2010

Certified Internal Control Auditor (CICA)

The Institute for Internal Control---IIC, USA
Jan 2003 - Jan 2009

Chartered Accountancy (CA)

Institute of Chartered Accountants of Pakistan---ICAP
Dec 1998 - Jun 2001

Management Accountancy (CMA)

Institute of Cost and Management Accountants of Pakistan---ICMAP
Jan 1995 - Jun 1996

Diploma in Computer Applications (DCA)

Allama Iqbal Open University, Islamabad, Pakistan