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تم إلغاء حظر المستخدم بنجاح
Muhammad Saad, FINANCE MANAGER

Muhammad Saad

FINANCE MANAGER·ALMADINA GROUP

الإمارات العربية المتحدة

ماجستير, Finance

الخبرة العملية

مجموع سنوات الخبرة: 16 سنوات, 3 أشهر

FINANCE MANAGER

يناير 2019 - حتى الآن

ALMADINA GROUP

دبي، الإمارات العربية المتحدة

يناير 2019 - حتى الآن

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.

مجال الشركة:
البيع بالتجزئة وبالجملة

FINANCIAL REPORTING MANAGER

مارس 2016 - أبريل 2019

ALMADINA GROUP

دبي، الإمارات العربية المتحدة

مارس 2016 - أبريل 2019

▸ 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.

مجال الشركة:
البيع بالتجزئة وبالجملة

FINANCIAL ANALYST

أكتوبر 2013 - فبراير 2016

ACCENTRIC MANAGEMENT CONSULTANTS

دبي، الإمارات العربية المتحدة

أكتوبر 2013 - فبراير 2016

▸ 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.

مجال الشركة:
الاستشارات الإدارية

ACCONTING ASSOCIATE

مارس 2011 - فبراير 2013

BUSINESS MANAGEMENT WORLD

لاهور، باكستان

مارس 2011 - فبراير 2013

▸ 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.

مجال الشركة:
الخدمات المالية

RESEARCH ANALYST

يوليو 2009 - يناير 2011

SAMSON GROUP OF COMPANIES|

لاهور، باكستان

يوليو 2009 - يناير 2011

▸ 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.

مجال الشركة:
السلع الاستهلاكية سريعة التداول

التعليم

Abertay University

أكتوبر 2025

أكتوبر 2025

ماجستير، Finance

المملكة المتحدة

Abertay University

أغسطس 2025

أغسطس 2025

ماجستير، Finance and Risk Managem

المملكة المتحدة

Scottish Qualifications Authority, Uk

يونيو 2025

يونيو 2025

دبلوم عالي، Extended Diploma in Finance and Risk

بريطانيا العظمى

المعدل التراكمي (نقاط): 3.12 من 4

المعدل التراكمي (نقاط): 3.12 من 4

ACCA

ديسمبر 2015

ديسمبر 2015

ماجستير، Accounts/ Audit

الإمارات العربية المتحدة

Association of Chartered Certified Accounts comprises of following: (a) Audit (b) Financial reporting (c) Financial Management (d) Performance Management (e) Corporate Governance (f) Taxation
عرض المرفق

Skills

sap fico
Expert
sap fico
Expert
Budgeting
Expert
Budgeting
Expert
Finance
Expert
Finance
Expert
Auditing
Expert
Auditing
Expert
Accounting
Expert
Accounting
Expert
FOCUS
Intermediate
FOCUS
Intermediate
TALLY
Expert
TALLY
Expert
SAP FICO
Expert
SAP FICO
Expert
PEACHTREE
Intermediate
PEACHTREE
Intermediate
QUICKBOOK
Expert
QUICKBOOK
Expert
Microsoft Office
Expert
Microsoft Office
Expert
ASSOCIATION OF CHARTERED CERTIFIED ACCOUNTANTS
Intermediate
ASSOCIATION OF CHARTERED CERTIFIED ACCOUNTANTS
Intermediate
CHARTERED FINANCIAL ANALYST
Intermediate
CHARTERED FINANCIAL ANALYST
Intermediate
COMPOSITE MATERIALS
Intermediate
COMPOSITE MATERIALS
Intermediate
FAST MOVING CONSUMER GOODS
Intermediate
FAST MOVING CONSUMER GOODS
Intermediate
FINANCE
Intermediate
FINANCE
Intermediate
FINANCIAL MANAGEMENT
Intermediate
FINANCIAL MANAGEMENT
Intermediate
FINANCIAL MODELING
Intermediate
FINANCIAL MODELING
Intermediate
HOSPITALITY
Intermediate
HOSPITALITY
Intermediate
MANAGEMENT
Intermediate
MANAGEMENT
Intermediate
REAL ESTATE
Intermediate
REAL ESTATE
Intermediate
ASSOCIATION OF CHARTERED CERTIFIED ACCOUNTANTS
Intermediate
ASSOCIATION OF CHARTERED CERTIFIED ACCOUNTANTS
Intermediate
CHARTERED FINANCIAL ANALYST
Intermediate
CHARTERED FINANCIAL ANALYST
Intermediate
COMPOSITE MATERIALS
Intermediate
COMPOSITE MATERIALS
Intermediate
FAST MOVING CONSUMER GOODS
Intermediate
FAST MOVING CONSUMER GOODS
Intermediate
FINANCE
Intermediate
FINANCE
Intermediate
FINANCIAL MANAGEMENT
Intermediate
FINANCIAL MANAGEMENT
Intermediate
FINANCIAL MODELING
Intermediate
FINANCIAL MODELING
Intermediate
HOSPITALITY
Intermediate
HOSPITALITY
Intermediate
MANAGEMENT
Intermediate
MANAGEMENT
Intermediate
REAL ESTATE
Intermediate
REAL ESTATE
Intermediate
Teamwork
Intermediate
Teamwork
Intermediate
Google sheets
Intermediate
Google sheets
Intermediate
QuickBooks
Intermediate
QuickBooks
Intermediate
Financial Planning and Analysis
Expert
Financial Planning and Analysis
Expert
HR Strategy
Expert
HR Strategy
Expert
Strategic Financial Planning
Expert
Strategic Financial Planning
Expert
Corporate Tax
Expert
Corporate Tax
Expert
VAT
Expert
VAT
Expert
Real estate modeling
Expert
Real estate modeling
Expert
Accounting
Expert
Accounting
Expert
Preparation
Expert
Preparation
Expert
Administration
Expert
Administration
Expert
Auditing
Expert
Auditing
Expert
Budgeting
Expert
Budgeting
Expert
Internal Audit
Expert
Internal Audit
Expert
Financial Reporting
Expert
Financial Reporting
Expert
Financial Analysis
Expert
Financial Analysis
Expert
Microsoft Excel
Expert
Microsoft Excel
Expert
ASSOCIATION OF CHARTERED CERTIFIED ACCOUNTANTS
Intermediate
ASSOCIATION OF CHARTERED CERTIFIED ACCOUNTANTS
Intermediate
CHARTERED FINANCIAL ANALYST
Intermediate
CHARTERED FINANCIAL ANALYST
Intermediate
COMPOSITE MATERIALS
Intermediate
COMPOSITE MATERIALS
Intermediate
CORPORATE FINANCE
Intermediate
CORPORATE FINANCE
Intermediate
FINANCE
Intermediate
FINANCE
Intermediate
FINANCIAL MODELING
Intermediate
FINANCIAL MODELING
Intermediate
FINANCIAL PLANNING
Intermediate
FINANCIAL PLANNING
Intermediate
INVESTMENTS
Intermediate
INVESTMENTS
Intermediate
MASTER OF BUSINESS ADMINISTRATION MBA
Intermediate
MASTER OF BUSINESS ADMINISTRATION MBA
Intermediate
REAL ESTATE
Intermediate
REAL ESTATE
Intermediate
sap fico
Expert
sap fico
Expert
Finance
Expert
Finance
Expert

اللغات

الانجليزية
متمرّس
الأوردو
مبتدئ
الهندية
اللغة الأم
العربية
اللغة الأم

التدريب و الشهادات

الشهادات
CFD Pro Certified Financial Decision-Making Professional
RE Finance Commercial Real Estate & Finance Specialist
FPAP™ Financial Planning & Analysis Professional
FMVA® Financial Modeling & Valuation Analyst
CFA Level I Passed — Level II Candidate
ACCA — Chartered Certified Accountant
CFA L2 Candidate | ACCA
CFA Level II Candidate
CFA Level 1(Passed)
Chartered Financial Analyst
Certified Financial Decision-making Professional|
Foundation Charter Manager (fcmgr)|
Investment banking & Private equity modeling specialization
Commercial Real Estate and Finance specialist
Financial Planning and Analysis Professional FPAP™
Financial modeling & Valuation Analyst FMVA®
Association of chartered Certified Accountant (ACCA)
ACCA
CFA Level 1(Passed), CFA Level 2 Candidate
Certified Financial Decision-making Professional|
Foundation Charter Manager (fcmgr)|
Investment banking & Private equity modeling specialization
Commercial Real Estate and Finance specialist
Financial Planning and Analysis Professional FPAP™
Financial modeling & Valuation Analyst FMVA®
chartered Certified Accountant (ACCA)
ACCA
SAP FICO
Nov 2015

الهوايات

  • Real estate investing
  • preparation
  • Equity research
  • Financial markets
  • career developmemt