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Page 1 Muhammad Salman - Résumé
MUHAMMAD SALMAN - ACCA, BSc (Hons), CAT
PERSONAL DETAILS
Passport: DW5753502 | DOB: 28thApr 1991
Contact details: +92 333 2327714, +971-507509971
Email [email protected]| Residential address: Elsa Garden,
Flat 404, University Road, Karachi - Pakistan
SUMMARY
Professional certified chartered accountant with more than
three years of accounting, finance, reporting and auditing
experience along with
multi-dimensional exposure and adaptable personality who can
manage matters relating to financial analysis, general and advance
acc ounting
matters, auditing, costing, compliance and taxation. ACCA
professional certification and Oxford Brookes University bachelor’s
degree in Applied
Accounting with a strong background in finance and accounting
methodologies and practices.
EXPERINCE
GABR & FILHOS COMMERCIO GERAL LDA:
GABR honored to have successful commercial operations in more
than 15 countries all over the Africa and Middle East for his
valuable
customers because of his vast attendance in other countries,
access to international markets and have excellent management for
business,
bank and credit operations and transportation with highest
quality and the best conditions.
Duration: Mar 2016 – May 2016| Luanda & Dubai
Office,
Position: Financial Analyst
Responsibility:
Providing company directors with accurate and timely financial
information, management accounts and data analysis; interpret the
company's
financial results to management and recommend improvement
activities.
Prepares asset, liability, and capital account entries by
compiling and analyzing account information; prepares special
financial reports by
collecting, analyzing, and summarizing account information and
trends.
Perform detailed account analysis and corporate month-end
processing and reporting; maintain the general ledger,
ensuring compliance withUAE and South Africa financial
reporting regulation.
Assisting with budgets and forecasting; interpreting cash flows
and predicting future trends; identifying the potential for making
financial
savings.
Coordinate with appropriate management staff in implementing
approved corrective and preventive measures to clean up and ensure
risk-
free accounting or management practices.
TAMEER MICROFINANCE BANK LIMITED:
Norwegian Telenor Group owns the Bank, which is an international
provider of voice, data, content and mobile communication services
in 13
markets across Europe and Asia and an additional 17 markets
through its ownership in VimpelCom Ltd.
Duration: Aug 2013 - Feb 2016 |Head
Office Karachi – Pakistan,
Position: Associate Manager Finance
Responsibility:
Reconciliation of complete 19Bn+ deposit portfolio, recording of
accrued-markup & mark-up expense on fixed deposit (TDR) and
saving
accounts, calculation for pre maturity of fixed deposit
TDRs.
Prepare and maintain a variety of financial reports for the
management including monthly ALCO ( Asset Liability
Committee), Branch
profitability, Financial-center profitability, monthly
management News Letter.
Reporting to parent (Telenor- Oslo) on monthly basis (Branchless
Banking Profit & Loss statement, Financial Split between Core
Banking and
Branchless Banking, G2P project profitability, depreciation,
monthly addition/deletion, gain/loss and lease schedules of fixed
assets according
to group policy etc.).
Develop and manage the financial budgeting and forecasting
process for applicable functional areas and prepare total bank wide
budgets,
review, analyze and present revenue and expenditure variances
relative to the adopted budgets of various functions, track spends
under keyheads for compliance and in light of those prepare monthly
management reports including recommendations.
Support Reporting Manager in preparation of regulatory
reports (Micro-watch, IFC, Bi-weekly, Flow of Funds and
Quarterly reports to State
Bank of Pakistan as per regulatory reporting requirements and
timelines); provide recommendations for improvements and
modifications to
the MIS reports and production process where appropriate;
transitioning large amounts of complex nature data in to meaningful
information.
Special Projects:
Managed the virtual data room for the due
diligence exercise carried out by Telenor Pakistan (titled
Project Foxtrot and Project Moon) in
respect of the proposed acquisition of 100% shares in the Bank.
This is also involved managing queries received and responding to
them while
coordinating with various departments within the Bank for the
said responses.
Liaised and worked with the rating agencies PACRA and JCR-VIS to
obtain the fresh credit rating of the Bank. This among other thing
included
arranging meeting between the management and the rating agencies
and provision of information required by the agencies.
Worked with IT department to Integrate the Fundamo system (used
for recording Easypaisa transactions) with Oracle Financials (tie
core
banking accounting system of the Bank) in order to automate the
recording of Easypaisa transaction on Oracle Financial.
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SIDAT HYDER MORSHED ASSOCIATES:
Sidat Hyder Morshed Associates (Pvt) Ltd is a management
consulting, technology services and outsourcing practice
established and operating
since 1986. Technology partnerships with Oracle, Microsoft,
Sybase and SSA Global Technologies.
Duration: January 2012 - April 2012 |Head Office Karachi -
Pakistan,
Position: Trainee
Responsibility:
Financial reporting of actuarial valuation of various retirement
benefit schemes as per IAS-19, assisting clients in preparation of
financial
statements in accordance with International Financial Reporting
Standards (IFRS).
Assisting client with the preparation and presentation of
financial statements including significant financial statement
disclosures, in the light
of the relevant reporting framework and ensuring compliance with
all applicable reporting requirements. Application of International
FinancialReporting Standards (IFRS) and UK (GAP).
Coordinate with appropriate management staff in implementing
approved corrective and preventive measures to clean up and ensure
risk-
free accounting or management practices.
Schedule regular management and staff meetings to present audit
results and recommend pertinent solutions to any unaccountable
transactions, faulty or erroneous data and other financial
record aberration. Coordinate with appropriate management staff in
implementing
approved corrective and preventive measures to clean up and
ensure risk-free accounting or management practices.
Major Clients Portfolio:
BYCO: Actuarial valuation for the year ended
December 2012 (Employees Gratuity Funded Plan)
Tameer Microfinance Bank Limited: Audit for the year
ended December 2012.
PROFESSIONAL QUALIFICATION
Associate Certified Chartered Accountant (ACCA - UK):
Major: Adv. Taxation & Audit Assurance
Status: ACCA Member
BSc (Hons) Applied Accounting (Oxford Brookes University -
UK):
Topic: Three Years Business and Financial Performance
Company: Lucky Cement Industry Limited
Status: Graduate
Advanced Diploma in Accounting and Business (ACCA - UK):
Equivalence: UK Bachelor's Degree, 2013
Certified Accounting Technician (CAT ACCA - UK):
Major: Financial & Management Accounting
Status: Graduate
ACADEMIC QUALIFICATION
Higher Secondary Certificate:
From: Bahria Foundation College;
Affiliation: Board of Intermediate Education, Karachi
Secondary School Certificate:
From: Aga Khan School;
Affiliation: Board of Secondary Education, Karachi
PROFICIENCY & ACHIVEMENTS
Knowledge of IFRS, IAS and regulatory environment of Pakistan
including Company’s Ordinance and Microfinance Ordinance,
Prudential
regulations.
On hand, practical experience of using various automated
accounting packages such as FoxPro, Fundamo, Oracle R11 Application
and AdvanceExcel (Power Pivot, Power Query, Macros, Charts and
other visualizations).
Distinction of being outstanding employee contribution in the
year 2015' in Tameer Microfinance Bank Limited.
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