محمد عثمان

• Manage daily export proceeds realization through 10+ local and international banks, ensuring timely
settlement of export receivables and compliance with banking regulations.
• Coordinate with local and foreign banking institutions regarding export collections, foreign remittances,
payment tracking, discrepancies, and trade finance matters.
• Handle import and export documentation for Letters of Credit (LCs), advance payments, export collections,
shipping documents, and banking requirements.
• Develop and maintain automated Excel-based bank reconciliation worksheets for more than 20 bank
accounts, identifying unknown deductions, unreconciled transactions, and payment discrepancies.
• Monitor and manage accounts receivable for international customers, conduct regular follow-ups, and issue
payment reminders to minimize overdue balances.
• Prepare and process monthly billing and reconciliation of company mobile communication accounts.
• Manage visa-related documentation and coordinate with relevant authorities and service providers.
• Draft and manage professional email correspondence with local and international customers, suppliers, banks,
regulatory authorities, and other stakeholders
• Prepare monthly export performance reports and foreign currency comparisons, providing management with
detailed analysis of export trends, collections, and outstanding receivables.
• Liaise with the State Bank of Pakistan (SBP) regarding overdue export invoices, attend hearings, prepare
supporting documentation, and submit responses to ensure regulatory compliance.
• Process export rebate claims, maintain related records, and coordinate follow-ups with relevant authorities for
timely settlement.
• Execute foreign currency payments related to imports, overseas suppliers, international exhibitions, and
business-related expenses while ensuring compliance with banking regulations.
• Support management in cash flow planning, foreign currency exposure monitoring, and banking relationship
management.
• Coordinate with auditors and provide banking, export, and financial documentation required for internal and
external audits.

• Managed daily operational expenses of multiple retail outlets and ensured accurate recording and reporting of
branch expenditures.
• Supervised inventory management activities, including weekly stock counts, stock reconciliation, and inventory
control procedures to minimize variances and wastage.
• Coordinated issuance and transfer of stock to retail branches, ensuring timely replenishment and accurate
inventory records.
• Compiled operational, sales, and inventory data from multiple branches and submitted detailed reports to
Head Office for management review and decision-making.
• Prepared daily sales and payment summaries and assisted in VAT calculations, reconciliation, and compliance
with UAE VAT regulations.
• Processed salary calculations, payroll preparation, and employee salary distributions in accordance with
company policies.
• Conducted surprise inspections and branch visits to verify inventory levels, operational compliance, cash
handling procedures, and internal controls.
• Managed supplier and vendor payments, ensuring timely settlement of liabilities and maintaining strong
business relationships.
• Maintained accurate documentation and records related to inventory, sales, payroll, vendor payments, and
branch operations.

• Managed supplier ledgers and reconciliations.
• Prepared sales summaries for 50+ outlets.
• Supervised payroll for over 500 employees.
• Performed inventory audits and cash reconciliations.

• Performed product costing and variance analysis.
• Supported ERP implementation and inventory controls.
• Contributed to pricing and cost optimization initiatives.