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Usman  Talha, Finance Manager

Usman Talha

Finance Manager·Homzmart Arabia Design Co,

Saudi Arabia

Master's degree, Finance And Banking

Work experience

Total years of experience: 18 years, 5 months

Finance Manager

August 2022 - Present

Homzmart Arabia Design Co,

Riyadh, Saudi Arabia

August 2022 - Present

Directed end-to-end financial planning, budgeting, and performance management for a high-growth e-commerce platform in KSA with
multi-million SAR revenue, acting as a key finance partner to senior leadership to strengthen financial governance, improve profitability,
and support data-driven strategic decisions.
• Directed annual budgeting and forecasting processes, aligning financial plans with business growth targets and operational priorities.
• Delivered monthly financial performance analysis and variance reporting that directly informed C-level decisions on pricing strategy,
headcount planning, and capex allocation, contributing to a 5% improvement in overall operating margin over 12 months.
• Acted as Finance Lead for commercial finance activities while reporting to senior finance leadership.
• Led, mentored, and developed a finance team of 6, conducting regular performance reviews, defining KPIs, and building individual
development plans that improved team efficiency and reduced reporting turnaround time by 2 days. Fostered a culture of accountability
and continuous improvement across all finance functions.
• Boosted gross margins by 3.8% through vendor pricing optimization, freight cost analysis, and promotional performance evaluation.
• Strengthened working capital management by implementing demand forecasting models and inventory aging controls, reducing holding
costs by 22%.
• Enabled data-driven decision-making, including pricing strategy, cost optimization initiatives, and business growth planning
• Identified gaps in the existing financial control environment and designed a risk-based internal controls framework from scratch, reducing
audit findings by 25% and cuting financial close time from 10 days to 6 days. Introduced automated reconciliation tools within the ERP
system, eliminating manual errors and saving approximately 20 hours per month across the team.
• Oversaw audit processes and external stakeholder relationships.
• Designed Power BI dashboards enabling real-time performance visibility into revenue performance, logistics costs, and product profitability.
• Administered month-end close processes and IFRS-compliant reporting, ensuring financial accuracy and timely submission of management
reports.
• Partnered with commercial, supply chain, and operations teams to improve cost efficiency, pricing strategies, and overall business
performance.
• Maintained full compliance with ZATCA regulations and IFRS standards during month-end closing cycles.
• Contributed to financial systems and ERP reporting improvements, enhancing automation, data integrity, and financial visibility.

Company industry:
Internet & E-commerce
Job role:
Accounting and Auditing

Financial Analyst - Commercial Finance

August 2020 - August 2022

United Modern Trading Company Ltd.,

Dammam, Saudi Arabia

August 2020 - August 2022

Delivered commercial finance analysis, brand-level P&L ownership, ROI evaluation, financial modelling, dashboards, and strategic decision
support for trading operations.
• Managed brand-level P&L analysis, identifying revenue drivers and cost improvement opportunities.
• Built multi-variable financial models, including three statement models, sensitivity analysis, and scenario planning tools that supported
pricing decisions resulting in 4% margin improvement. Developed rolling forecast models that improved forecast accuracy from 75% to 90%
within two quarters.
• Implemented ROI analysis frameworks for marketing campaigns, reducing inefficient campaign spend by 18% and improving overall return
on marketing investment by 22% within the first year.
• Produced management dashboards and financial reports supporting operational and commercial decision-making.
• Contributed to budget preparation, variance analysis, and financial forecasting activities.

Company industry:
Trading & Commodity Trading
Job role:
Accounting and Auditing

Senior Accountant

January 2015 - July 2020

Safari Telecom,

Riyadh, Saudi Arabia

January 2015 - July 2020

Owned end-to-end accounting operations, including IFRS reporting, financial close, audit coordination, cost governance, project evaluation,
and team supervision.
• Led monthly financial close processes and preparation of financial statements in compliance with IFRS standards.
• Achieved 25% overhead cost reduction by implementing disciplined cost-control frameworks and continuous expense rationalization
initiatives.
• Supported cash flow forecasting and treasury management activities to maintain liquidity and optimize working capital.
• Strengthened internal control frameworks and reconciliation processes.
• Improved audit outcomes by reinforcing balance-sheet ownership, reconciliation accuracy, and proactive compliance with accounting
standards.
• Introduced a standardized financial close checklist and reconciliation controls, reducing the month-end close cycle from 10 days to 7 days
within the first two quarters of implementation.

Company industry:
Telecommunications
Job role:
Accounting and Auditing

General Accountant

January 2011 - December 2014

Safari Telecom,

Riyadh, Saudi Arabia

January 2011 - December 2014

Executed core accounting operations, including ledger maintenance, payroll accounting, reconciliations, financial reporting support, and audit
readiness.

Company industry:
Telecommunications
Job role:
Accounting and Auditing

Accounts Officer

January 2008 - December 2010

National Embroidery Mills Ltd.

Faisalabad, Pakistan

January 2008 - December 2010

Directly report to Finance Manager and VP of Operations. Oversee the entire accounting system. Including all A/P, A/R, client invoicing, check processing, collections, bank reconciliations, and daily status reports.
•Assisted with general accounting functions, maintained journals and handled A/P.
•Bank reconciliation.
•Every day cash/Bank transaction checked with our ledger.
•In charge of credit customers account and inform to salesmen about credit balance for follow up.
•Daily cash In/Out flow preparation.
•Help to Accounts Manager in preparing of financial statements.
•Prepare Journal Vouchers and post to General Ledger.
•Monitoring credit limits.
•Random Verification, Check the Documents and Accounts Balance with my team.
•One of the authorities of petty cash releasing.

Company industry:
Heavy Industry & Metallurgy
Job role:
Accounting and Auditing

Education

Allama Iqbal Open University

January 2010

January 2010

Master's degree, Finance And Banking

Pakistan

University of the Punjab

January 2007

January 2007

Bachelor's degree, Business Administration And Commerce

Pakistan

Skills

MS Office
Expert
MS Office
Expert
Financial Reporting
Expert
Financial Reporting
Expert
Budgeting
Expert
Budgeting
Expert
Trend Analysis
Expert
Trend Analysis
Expert
Time Management
Expert
Time Management
Expert
Capex
Expert
Capex
Expert
Internal Controls
Expert
Internal Controls
Expert
Time Management
Expert
Time Management
Expert
Budgeting and Forecasting
Expert
Budgeting and Forecasting
Expert
Trend Analysis
Expert
Trend Analysis
Expert
Financial Accounting
Expert
Financial Accounting
Expert
Account Reconciliation
Expert
Account Reconciliation
Expert
Cash Flow Forecasting
Expert
Cash Flow Forecasting
Expert
Accounts Payable
Expert
Accounts Payable
Expert
Stakeholder Relations
Expert
Stakeholder Relations
Expert
Marketing ROI
Expert
Marketing ROI
Expert
ERP Implementation
Expert
ERP Implementation
Expert
Power BI
Expert
Power BI
Expert
Tax Compliance
Expert
Tax Compliance
Expert
Long Range Planning
Expert
Long Range Planning
Expert
Internal Control
Expert
Internal Control
Expert
Cash Flow Management
Expert
Cash Flow Management
Expert
Budgeting and Forecasting
Expert
Budgeting and Forecasting
Expert
Financial closing
Expert
Financial closing
Expert
Process Automation
Expert
Process Automation
Expert
Audit Support
Expert
Audit Support
Expert
International Financial Reporting Standards
Expert
International Financial Reporting Standards
Expert
Team Leadership
Expert
Team Leadership
Expert
Variance Analysis
Expert
Variance Analysis
Expert
ANALYTICAL THINKING
Intermediate
ANALYTICAL THINKING
Intermediate
ADVANCED ANALYTICS
Intermediate
ADVANCED ANALYTICS
Intermediate
BUSINESS PARTNERING
Intermediate
BUSINESS PARTNERING
Intermediate
FINANCE
Intermediate
FINANCE
Intermediate
FINANCIAL ANALYSIS
Intermediate
FINANCIAL ANALYSIS
Intermediate
FINANCIAL STRATEGY
Intermediate
FINANCIAL STRATEGY
Intermediate
INTERNATIONAL FINANCIAL REPORTING STANDARDS
Intermediate
INTERNATIONAL FINANCIAL REPORTING STANDARDS
Intermediate
LEADERSHIP
Intermediate
LEADERSHIP
Intermediate
STRATEGIC PLANNING
Intermediate
STRATEGIC PLANNING
Intermediate
TELECOMMUNICATIONS
Intermediate
TELECOMMUNICATIONS
Intermediate

Languages

English
Expert
Arabic
Intermediate
Urdu
Expert
Punjabi
Expert

Memberships

Micro1

Finance Manager

March 2026

Training and Certifications

Certifications
Certified Management Accountant (CMA –
Special Diploma in English Language
Jan 2010 - Jun 2010
Show credentials

Training
Reservation & Ticketing
Abacus
Aug 2008
Show credentials

Hobbies

  • Stock Investment
  • Trading
  • Management Trainings
  • Watching Documentaries
  • Net Surfing
  • Book Reading