Muhammad Saad

Sectors: Retail, FMCG, Food Hospitality, Commercial Development (Shopping Malls),
Manufacturing, Construction, Investment Management.
Investment & Financial Analysis
▸ Built DCF, IRR/NPV, 3-statement, and scenario models for new projects, expansion initiatives, and cross-sector investment decisions.
▸ Provided capital allocation analysis and investment feasibility studies; supported investment committee and board-level decisions.
▸ Built scenario and sensitivity models assessing macroeconomic variables, pricing changes, and cost inflation, supporting leadership in
evaluating downside risk, profitability resilience, and capital allocation decisions.
Treasury & Capital Structure
▸ Secured and restructured AED 300M+ multi-bank financing; built lender models, negotiated terms, and monitored
DSCR/ICR/leverage covenants.
▸ Oversaw group-wide liquidity, working capital cycles, and intercompany funding supporting rapid multi-sector expansion.
Reporting & FP&A
▸ Led IFRS consolidation for 50+ entities; delivered board packs on EBITDA, cash flow, liquidity, and return metrics.
▸ Directed group-wide budgeting, rolling forecasts, variance/breakeven analysis, and KPI dashboards for multi-segment operations.
▸ Led UAE Corporate Tax and VAT compliance; managed full EMARATAX return filing and planning.
Accounting Operation
▸ Oversee complete accounting operations including month-to-end closing, journals, revenue/deferred and expense, prepayments
accruals recognition, inventory variance review, Fixed asset register maintenance, cash ledger and bank reconciliation, Related party
reconciliations supplier and customer reconciliations, AR/AP monitoring payroll, and preparation of accurate IFRS-compliant financial
statements. on monthly basis.
Audit and Stakeholder Management
▸ Managed statutory audits with top-tier auditors, Acted as a strategic finance partner to operations, procurement, IT, senior
leadership, equity shareholders, banks, FTA auditors and valuers.

▸ IFRS Financial Reporting, Consolidation & Cash Flow Control: Owned end-to-end monthly, quarterly, and annual close and IFRS-compliant
consolidation for an AED 1.8+ billion Revenue with 50+ diverse sectors legal entities. Delivered statutory and management accounts,
resolved complex intercompany eliminations, and presented board-level performance packs and dashboards covering profitability, EBITDA,
cash flow, liquidity, working capital, variance analysis, and return metrics, strengthening financial governance, executive decision-making,
and capital discipline.
▸ FP&A, Forecasting & Performance Management: Led group-wide budgeting, rolling forecasts, and KPI-driven performance analysis across
multi-segment operations. Delivered variance analysis, breakeven and margin insights to improve planning accuracy, cash-flow visibility, and
data-driven commercial decision-making at business-unit and leadership levels.

▸ Performed monthly financial reviews and variance analysis (Actual vs Budget vs Forecast) across multiple client businesses, analyzing cost
trends, identifying anomalies, and improving profitability and working capital metrics (DSO, DIO, DPO).
▸ Prepared annual budgets, rolling forecasts, and cost optimization analyses, conducting detailed line-item revenue and cost reviews,
developing management reports, and supporting leadership during financial performance review meetings.
▸ Developed financial models and project feasibility analyses, including NPV, IRR, and scenario modeling, supporting project evaluations,
business turnaround initiatives, and multi-entity reporting requirements.

▸ Assist in Execution of statutory audits for listed and private companies in accordance with IFRS and ISA, including trial balance
finalization, control testing, risk assessments, and preparation of audit schedules. Performed reconciliations (bank, AR/AP, petty
cash), reviewed financial systems, processed payroll checks, and supported monthly/quarterly closing and reporting to ensure
accuracy and compliance.

▸ Performed retail sales trend analysis, FMCG market segmentation reviews, and urban-rural establishment surveys while auditing
stock positions and evaluating salesforce effectiveness to identify growth opportunities and improve market execution.