محمد توسيف فرحان

Lead the organisation’s financial planning processes, including annual budgeting, long-range forecasting, and scenario analysis.
Developed complex financial models for budgeting, forecasting, cash flow, and scenario planning. Collaborated with cross-functional teams to align financial strategy with business objectives through data gathering and trend analysis.
Conduct in-depth financial and KPI analysis to support strategic decision making and identify performance improvement opportunities.
Prepare financial reports, board presentations, and business insights to the CFO and CEO.
Oversee general ledger accounting, CapEx, OpEx, impairments, depreciation, and amortisation to ensure accurate financial reporting.
Design and maintain multi-year financial models for business planning and forecasting, ensuring data accuracy and relevance.
Monitor cost and profit centres by department, product, and function to track budget adherence and profitability.
Perform detailed variance analysis across monthly, quarterly, and annual reports to assess performance against budgets and forecasts.
Analyse key metrics including interest/fee income, ENR, customer behaviour, portfolio segmentation, loyalty programs, and campaign ROI.
Ensure compliance with IFRS standards and regulatory requirements; lead impairment analysis and internal control implementation.
Improve operational efficiency by developing financial processes, internal controls, and systems enhancements.
Led special projects and strategic initiatives with full financial oversight, business plan for a landmark $400M securitisation deal with JP Morgan

Managed budgeting and forecasting of detailed P&L exceeding AED 250
million.
Led preparation and presentation of financial statements (P&L, Balance Sheet, Cash Flow, CAPEX/OPEX) with ratio and variance analysis.
Ensured alignment with financial strategy and cost control through
departmental oversight.
Analyzed sales, returns, and profitability by key accounts, divisions, and
brands.
Maintained target gross margins and reviewed pricing for budgeted
profitability.
Approved purchase orders based on stock levels and OTB management.
Conducted stock aging analysis, campaign feasibility, and post-promo evaluations.
Developed profitability reports by sales team and key clients (DPA, CPA).
Supervised internal audits and ensured accuracy of accounting entries.
Evaluated project feasibility (NPV/IRR) and CAPEX/OPEX on monthly and ad hoc basis.
Enforced credit policies, monitored receivables, and led Excel training
initiatives.
Controlled marketing spend by product, brand, and sales.
Successfully implemented ERP, automating processes and achieving cost efficiencies.

Joined as an Accounts officer and got promoted to Assistant Accounts Manager at
Head office.
• Data Entry & Vouching.
• Bank dealings Preparing bank reconciliations.
• Developing policies and procedures for the Finance Function
• Liaising with external and internal auditors, as required, to ensure that audits are completed
within the relevant regulatory and/or internal deadlines.
• Managing petty cash transactions and maintaining records associated with the same.
• Reporting to CEO and Donner in both Foreign Currency ($) and PKR.
• Successfully implementing FoxPro based new Software for Accounts.
• Created Chart of accounts and implemented all Policies and Procedures
• Member of budgeting committee, Member of Audit Committee.
• Projects Appraisal, Project Budgeting & Variance Analysis.
• Finalizing the Monthly and Annual accounts.
• Receivables and Payables Management.

Implementation of Oracle based (HIS) Hospital Information Management System with
Accounting Module
• Patients wise revenues and expenses managements system.
• Managing Panel (Insured) Patients with separate rates.
• Receivables Management from Insurance Companies.
• Doctors ratings, Doctors Shares calculations and Incentives management.
• Designing internal management required reports.
• Budgeting and Variances analysis system.
• Creating complete chart of Account, Old Data Integration with Software.
• HR & Payroll management System.