Homoud Bader Almas

Planning
Monitored business performance across segments to assess growth, profitability, and variance
against plans.
Developed competitive models and evaluated business alternatives to identify risks and
opportunities.
Product & Portfolio Strategy
Feasibility and profitability assessments for new product features and enhancements.
Supported initiatives to optimize unsecured lending, increase card revenues, and grow revolving
balances through private label programs and co-branded partnerships.
Financial Forecasting & Reporting
Delivered accurate forecasts and year-end projections, including portfolio loss analysis.
Produced timely, actionable reports to support decision-making and regulatory compliance.
Expense & Vendor Management
Consolidated departmental budgets and implemented cost control measures.
Software: MS Excel, PowerPoint, Power BI & SQL (extract data)

Budget Oversight
Prepare, maintain, and oversee the budgets for the retail department to ensure financial stability
and strategic resource allocation for the Retail & Marketing Department.
Expense Management
Monitor and control expenses, identifying opportunities for cost reduction while maintaining
operational efficiency. Review, approval & proceed Retail & marketing Expenses.

Account Receivable
Issuing Invoices and making Receipt.
Account Payable
Preparing and release payment to the vendors and Staff.
Month end closing
Preparing month end closing to ensure financial statements comply with accrual basis principle.
Bank reconciliation
Preparing monthly Bank Reconciliation statements.
Financial Statements
Preparing monthly balance sheet, income statement and cash flow and reporting to NBKs Group
Finance Control (GFC).
Monthly Cost Report
Preparing monthly cost report with Actual vs Budget comparison.
Payroll
Verify and review monthly payroll and justify changes to NBK Human Resource Group.
General Ledger and Journal Entries
Track general ledger accounts and record necessary entries.
Purchase Order
Prepare purchase orders and ensure compliance with criteria and pricing.
Budget
Prepare annual budget for expenditures and revenues.
Forecasting
Prepare expenditure forecasts as required.
Petty Cash
Verify and review petty cash.
Software: Sage 300, MS Excel and Word

- Receivable
- Payable
- Monthly closing
- Bank reconciliation
- Monthly Reports (Financial Statements & Cost)
- Payroll
- General Ledger
- Purchase Order
- Budget
- Forecasting
*Software: Sage 300, MS Excel and Word

Account Payables
Preparing and releasing payment to the vendors and staff.
Account Receivables
Issuing Invoices and making Receipt.
Journal Entries
Record necessary entries.
Report
Monthly General and Administration report.
Software: Oracle Finance, MS Excel and PowerPoint.

Conducted internal audit and control, identified risks, and provided feedback and suggestions.
Worked with Deloitte audit firm to oversee and participate in audit activities.