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Muhammad Adil Azam, Chief Financial Officer

Muhammad Adil Azam

Chief Financial Officer·Adeem Uniform Factory

Saudi Arabia

Master's degree, Accounting and Finance

Work experience

Total years of experience: 19 years, 5 months

Chief Financial Officer

August 2023 - Present

Adeem Uniform Factory

Riyadh, Saudi Arabia

August 2023 - Present

• Presentation of Financial Statements to the Board of Directors and Executive Committee
• Presentation of yearly budgets to the Board of Directors
• Presentation of monthly forecasts to the Executive Committee
• Arranging Funds from SIDF and ANB for working capital
• Managing company’s cashflow
• Overviewing and implementing the policies and procedures across the company
• Managing and controlling the Finance Department

Company industry:
Manufacturing
Job role:
Finance and Investment

Finance Manager

February 2023 - August 2023

Biolab Arabia Ltd.

Khobar, Saudi Arabia

February 2023 - August 2023

(Manufacturing)
•Financial Statements preparation and detailed analysis
•Preparation of budgets and monthly forecasts
•Detailed analysis of OPEX and CAPEX against the allocated budgets
•Financial Modelling
•Maintaining and negotiating Bank facilities
•Cash flow forecasting

Company industry:
Industrial Production
Job role:
Finance and Investment

Finance Manager

November 2020 - February 2023

Lifestyle – Landmark Group

Riyadh, Saudi Arabia

November 2020 - February 2023

(Cosmetics, Body Care, Perfume, Bath and Home Products)
•Financial Statements Review and Analysis
•Preparing Board Presentations
•Preparation of Budgets and monthly OPEX/ CAPEX
•Financial Modelling
•P & L by Region and by store analysis
•Like for Like (LFL and Non LFL) analysis by store/ region and product categories
•Damages and Shrinkage Control
•Preparing feasibility report for a new store opening
•Vendor Relationship Management

Company industry:
Retail & Wholesale
Job role:
Finance and Investment

Finance Manager

March 2017 - October 2020

Zohoor Alreef

Khobar, Saudi Arabia

March 2017 - October 2020

(Body care, Body perfumes, Oil Perfumes and accessories)
•Preparation of Financial Statements (Monthly/Quarterly and Annually)
•Financial Statements analysis including LFL and Non LFL analysis.
•Consolidating group Financial Statements
•Consolidation of yearly budgets
•Budget control on daily basis
•Budget vs Actual results performance on monthly basis
•Cash flow forecast
•Preparation of Statement of Income by store by area
•Liaising with Auditors and consultants
•Feasibility report for new stores opening.
•Implementation of MS Dynamics AX

Company industry:
Retail & Wholesale
Job role:
Finance and Investment

Head Of Finance

November 2014 - January 2017

Raiyah Al Khamasin

Muscat, Oman

November 2014 - January 2017

(Retail)
•Overseeing all financial matters
•Financial reporting
•Leading Budgeting & Forecasting
•Making decisions based on the Financial Analysis and sending recommendations to concerned partners
•Preparing and implementing finance departments policies and procedures
•Preparing feasibility reports

Company industry:
Retail & Wholesale
Job role:
Finance and Investment

Finance Manager

September 2011 - October 2014

Zohoor Alreef

Khobar, Saudi Arabia

September 2011 - October 2014

(Body care, Body perfumes, Oil Perfumes and accessories) Finance & Accounts:
•Preparing company for IPO (responsible for FDD, LDD and ZDD).
•Manage all operations related to Finance like Financial Accounting, Budgeting, Forecasting, Financial model, Costing, Accounting, Internal Controls, etc.
•Involve in finalizing accounts, statutory compliance, reviewing Customer Agreements and analyzing Ledger Accounts, requirements and accruals.
•Prepare financial statements and present the same in the management meeting.
•Document all accounting processes and procedures ensuring compliance with company guidelines; monitor and review all documents related to budgets, revenues, expenses, invoices, Accounting etc.
•Identify areas of budget concern and potential impact on project financial performance as well as monitor the Actual performance, profitability and variance analysis.
•Prepare & maintain statutory books of accounts and reconciliation of financial statements in compliance with norms. Auditing:
•Assist in audit activities (internal & external) including setting up audit systems, monitoring implementation of systems and providing feedback to the top management with regular audit reports
•Manage resources and execute day-to-day activities of audit engagements/ audit process.
•Schedule and conduct audits of full complexity for conformity with policies& procedures of company
•Identify and communicate accounting and audit matters along with recommending performance improvement opportunities with Top Management
•Produce audit work papers and documentation for checking and approval by superiors along with reviewing complex financial data ensuring its integrity stands up to scrutiny. Statutory Compliance:
•Prepare all finance-related reports ensuring timely completion and submission of the same.
•Understand complete accounting and internal control systems implemented in the organization.
•Co-ordinate with various internal departments to maintain all accounts-related data appropriately. MIS Reporting:
•Prepare MIS, reconciliation statements & statutory reports, evaluate them for facilitating decision-making process and compiling balance sheet schedules to support all balance sheet entries.
•Involve in evaluating financial reports and recommending modifications to operations, budgets, and other financial controls.
•Present a true and fair view of the financial position of the company by way of timely preparation of annual reports ensuring analyzing the expenditure on a monthly basis to control expenses. Noteworthy Credits:
•Successfully prepared the five-year business plan forthe company for the first time in the history of the company.
•Tactically enhanced profitability by providing several analyses for stores operations.
•Successfully implemented budget and internal controls

Company industry:
Retail & Wholesale
Job role:
Finance and Investment

Budgeting and Reporting Analyst

January 2010 - September 2011

Al Ahlia for Cooperative Insurance

Riyadh, Saudi Arabia

January 2010 - September 2011

• Prepared SAMA (Saudi Arabian Monetary Agency) on a monthly, quarterly & annual financial reports and OPEX & CAPEX budgets; prepared solvency report monthly in line with regulations
• Prepared and updated company’s announcements (Tadawul) on Saudi Stock Exchange; analyzed financial statements
and various other industry-related statements.
• Handled system implementation for in-house insurance software (AIMS) and prepared / analyzed insurance market survey report on the insurance industry.

Company industry:
Insurance & TPA
Job role:
Finance and Investment

Securitization Analyst

December 2006 - January 2010

Al Yusr Installment Company

Riyadh, Saudi Arabia

December 2006 - January 2010

• Analyzed overall portfolio monthly collections and compared securitized / non-securitized portfolio performance.
• Analyzed ageing & monthly receivables,
• Reviewed the securitization agreements, transaction diagram, cash flow process for Islamic securitization / SUKUK and the rating criteria for SUKUK issuance including due diligence for the company.
• Prepared budgets, vintage analysis of portfolio, ageing report for variables and several collection analysis reports for overdue customers based on different scenarios.
• Dealt with banks to negotiate rates for securitizing receivables and reporting purposes related to the same.
• Identified key areas affecting rating criteria of the company and reported the same to the Management for proper decision making.

Company industry:
Financial Services
Job role:
Finance and Investment

Education

University of Central Punjab

August 2006

August 2006

Master's degree, Accounting and Finance

Pakistan

GPA (point): 3.21 out of 4

GPA (point): 3.21 out of 4

M.Com (Accounting and Finance)

Skills

Team Leadership
Expert
Team Leadership
Expert
Team Management
Expert
Team Management
Expert
Budget Tracking
Expert
Budget Tracking
Expert
Financial Reporting
Expert
Financial Reporting
Expert
Budgeting and Forecasting
Expert
Budgeting and Forecasting
Expert
FINANCIAL STATEMENTS
Expert
FINANCIAL STATEMENTS
Expert
FORECASTING
Expert
FORECASTING
Expert
BUDGETING
Expert
BUDGETING
Expert
CONSOLIDATION
Expert
CONSOLIDATION
Expert
MANAGEMENT
Expert
MANAGEMENT
Expert
RELATIONSHIP MANAGEMENT
Expert
RELATIONSHIP MANAGEMENT
Expert
COLLECTIONS
Expert
COLLECTIONS
Expert
CONTROL SYSTEMS
Expert
CONTROL SYSTEMS
Expert
DUE DILIGENCE
Expert
DUE DILIGENCE
Expert
AUDITING
Expert
AUDITING
Expert

Languages

English
Expert
Arabic
Expert
Urdu
Expert

Training and Certifications

Certifications
CMA
CMA ANZ
CPA
CPA Australia
Dec 2025 - Dec 2026

Hobbies

  • Sports