Muhammad Y.

CPA, ACCA, APFA, MBA/MSA, CA(CFAP), CIPA, SOCPA I am an ACCA, CPA, MBA, and CA-qualified finance professional with over 16 years of extensive experience in bookkeeping, accounting, financial reporting, financial modelling, FP&A, auditing, budgeting, and strategic financial management across multiple industries including manufacturing, construction, real estate, retail, trading, hospitality, banking, healthcare, government, and non-profit sectors. Throughout my professional career, I have worked with globally recognized organizations including Deloitte Chartered Accountants, Red Sea Global (PIF Subsidiary KSA), Rödl & Partner, Balance Business Advisory KSA, Lifcon Steel Industry, and Al Ashoury Industry Riyadh, where I managed complex accounting operations, financial reporting structures, budgeting processes, and strategic financial planning activities. My expertise covers complete full-cycle bookkeeping including recording accurate journal entries, maintaining general ledgers, accounts payable and receivable management, bank and credit card reconciliations, payroll processing, fixed asset management, inventory accounting, and preparation of comprehensive financial statements including Balance Sheet, Profit & Loss Statement, and Cash Flow Statements. I have extensive hands-on experience with QuickBooks, Xero, SAP, Oracle, Zoho, ERP systems, and advanced Excel-based financial reporting solutions to streamline accounting processes and improve reporting accuracy. I possess strong expertise in Financial Reporting and Analysis, including preparation of management reports, monthly and quarterly financial reporting, revenue analysis, variance analysis, KPI reporting, and executive dashboards that support management decision-making and strategic planning. My background also includes advanced Financial Modelling and Feasibility Study preparation, where I have successfully developed more than 25 comprehensive financial models for businesses across KSA, UAE, and GCC countries. These models included integrated financial statements, investment analysis, DCF valuation, IRR, NPV, sensitivity analysis, scenario modelling, budgeting, forecasting, working capital planning, and long-term strategic business projections. In addition, I have significant experience in Budgeting, Forecasting, and Business Planning including preparation of annual budgets, operational forecasts, cash flow forecasting, working capital management, treasury oversight, cost optimization, and profitability analysis. My manufacturing finance experience at Lifcon Steel Industry and Al Ashoury Industry Riyadh strengthened my capabilities in costing systems, inventory control, production cost analysis, overhead allocation, and margin improvement initiatives. My auditing and compliance background includes working with Deloitte Chartered Accountants, where I was involved in external audit assignments, risk assessment, internal control evaluation, compliance testing, financial statement reviews, and ensuring compliance with IAS, IFRS, ISA, and GAAP standards. I also possess practical experience in VAT, withholding tax, and corporate tax reporting along with coordination with external auditors and regulatory authorities. I have extensive expertise in Internal Control Evaluation and Improvement, development of financial policies and procedures (P&P), risk assessment and mitigation, process automation, and implementation of structured accounting workflows that improve operational efficiency and financial transparency. I have also supported businesses with stakeholder reporting, investor presentations, audit-ready financials, SOP development, and financial strategies to support business expansion and sustainable growth. My professional experience extends across remote finance operations and international client management in KSA, UAE, UK, USA, Canada, Singapore, Pakistan, and other GCC countries. I am highly experienced in working with multinational teams, managing multi-entity accounting structures, and providing strategic financial support in remote work environments while ensuring accuracy, confidentiality, and compliance. I am passionate about helping businesses strengthen their financial foundations, improve reporting quality, optimize operational performance, and make informed strategic decisions through accurate financial analysis, organized accounting systems, and practical business-focused financial solutions.