Saad Masood

 Established a robust accounting and internal control system by assessing risks, automating processes, enforcing segregation of duties, conducting regular audits, documenting policies, and fostering a compliance-driven culture to ensure zero-error financial reporting.
 Effectively managed receivables, payables, and overall cash flow by optimizing collection cycles, negotiating payment terms, and maintaining liquidity—resulting in a 20% improvement in working capital efficiency and uninterrupted operational funding.
 Provided decision-makers with actionable insights by conducting in-depth financial analysis, forecasting trends, evaluating cost structures, and assessing investment scenarios—enabling data-driven strategies that improved profitability, minimized risk, and supported long-term growth.
 Applied advanced financial analysis, strategic planning, revenue optimization, cost control, and technology integration while leading teams and managing risk to drive data-informed, scalable growth and continuous improvement.
 Supported legal and compliance functions by reviewing financial terms in contracts, ensuring regulatory adherence, managing legal budgets, and providing financial insights during litigation—minimizing risk and strengthening the organization’s legal position.
 Acted as a financial liaison with customers, vendors, tax authorities, government agencies, auditors, banks, and investors—ensuring transparency, compliance, and strategic alignment across all third-party engagements.

 Developed monthly, quarterly, and annual financial forecasts using historical data and market trends to support strategic planning.
 Effectively managed receivables, payables, and overall cash flow by optimizing collection cycles, negotiating payment terms, and maintaining liquidity—resulting in a 20% improvement in working capital efficiency and uninterrupted operational funding.
 Provided decision-makers with actionable insights by conducting in-depth financial analysis, forecasting trends, evaluating cost structures, and assessing investment scenarios—enabling data-driven strategies that improved profitability, minimized risk, and supported long-term growth.
 Applied advanced financial analysis, strategic planning, revenue optimization, cost control, and technology integration while leading teams and managing risk to drive data-informed, scalable growth and continuous improvement.
 Supported legal and compliance functions by reviewing financial terms in contracts, ensuring regulatory adherence, managing legal budgets, and providing financial insights during litigation—minimizing risk and strengthening the organization’s legal position.
 Acted as a financial liaison with customers, vendors, tax authorities, government agencies, auditors, banks, and investors—ensuring transparency, compliance, and strategic alignment across all third-party engagements.
 Successfully established the internal audit department’s mission, structure, and methodology, aligning it with enterprise-wide strategies.
 Recruited and led a high-performing audit team, implemented advanced audit tools, and built strong stakeholder relationships that improved compliance and operational transparency.

 Spearheaded strategic financial planning and reporting across group entities, resulting in a 15% improvement in budget accuracy & forecasting.
 Delivered monthly P&L, cash flow, & legal compliance updates directly to the Board, enabling data-driven decisions & accelerated growth initiatives.
 Designed and implemented performance-based incentive plans for sales teams, boosting revenue by 22% and reducing cost-to-sales ratio.
 Acted as Functional Consultant for Microsoft Dynamics ERP rollout, streamlining finance workflows and reducing manual reporting time by 40%.
 Built strong relationships with bankers, auditors, and regulatory bodies, securing favorable credit terms and ensuring full statutory compliance.
 Provided financial and legal advisory to branch and country heads, enhancing cross-border governance and mitigating operational risks.
 Strengthened receivables and payables oversight, reducing DSO (Days Sales Outstanding) by 18% and improving working capital efficiency.
 Conducted margin analysis across product lines & geographies, leading to a strategic shift in pricing & product mix. increasing gross margin by 9%.
 Established a centralized treasury function for the GCC region, optimizing fund allocation and reducing intercompany transfer delays by 50%.

 Responsible for leading financial strategy and operational excellence across the organization. Ensures fiscal discipline, compliance, and streamlined processes to support sustainable growth.
 Improved cash flow visibility by implementing a 13-week rolling forecast, reducing idle capital by 18%.
 Integrated ERP systems across finance and operations, cutting manual tasks by 30% and enabling real-time reporting.
 Boosted operational efficiency by 25% through lean process redesign and performance dashboards.
 Negotiated vendor contracts and optimized procurement, saving over AED 200 million annually.
 Introduced internal audit protocols aligned with IFRS and local compliance standards.
 Led cross-border expansion into two new markets with full financial modeling and operational readiness.

 Developed a centralized budgeting system across all outlets, improving cost tracking and reducing overspending by 20%.
 Implemented daily sales and expense dashboards, enabling real-time performance monitoring and faster decision-making.
 Negotiated supplier contracts and optimized inventory purchasing, saving over AED 30 million annually.
 Introduced POS-integrated accounting workflows, reducing reconciliation time by 40% and minimizing errors.
 Led financial audits and ensured full compliance with local tax regulations and labor laws.
 Created profitability models for new locations, guiding expansion decisions and increasing ROI by 15%.
 Designed dynamic pricing models based on footfall and seasonal trends, increasing average revenue per customer by 12%.
 Trained outlet managers on financial literacy and P&L ownership, fostering accountability and reducing monthly variances by 35%.

 Founded Big Four Experts Academy with limited funds & converted it into a profitable business institution within a short span.
 The academy engaged in providing quality education to students of various professional accountancy disciplines especially CA (ICAP) & ACCA.
 The project demanded extra ordinary financial & business management skills and also increased my exposure in the field of marketing.
 The dynamic leadership qualities helped in formulating a professionally qualified and experience faculty which included FCAs, ACAs, ACCAs and some famous book authors as well. Many students who had the last attempt to clear a paper were able to pass with flying colors. Acted as the lecturer and maker of study material in accordance with international standards and the institute of chartered accountants of Pakistan syllabus of:
• Financial Accounting & Reporting • Management Accounting • Mercantile Law • Company Law • Audit • Taxation • Financial Management etc.

 Various statutory audits including analysis and reviewing of financial statements of various industry clients. Scope of work including ensuring compliance with management policies, identifying weaknesses in the system for potential risks and examining financial statements, ensuring compliance with national and international reporting frameworks, primarily comprising of International Financial Reporting Standards (IFRS).

 Internal audits with KPMG approach. Core responsibilities included planning risk assessments, understanding business, scoping and assessing key risks, development of improvement plans.

 Compilation of financial statements in accordance with IFRS while assessing various areas of financial statements such as consolidation, financial instruments, share based payments, employee benefits, taxation etc.

Sectors worked in: • Commercial and Investment Banks • Brokerage Houses • Mutual Funds • NGOs • Pharmaceuticals • Logistics