Jowaria Muhammad
Gloucester,UK
Summary
Detail-oriented finance professional with qualifications in financial management, cost accounting, and administration (MBA; MSc). Hands-on experience in bookkeeping, cash reconciliation, invoice processing, credit control, and financial reporting. Proficient in EPOS system. Committed to accuracy, regulatory compliance, and continuous process improvement in fast-paced financial environments.
Overview
3
3
years of professional experience
2
2
Certifications
Work History
Business Development & Partnerships Manager
Dunya Consultants Ltd.
Gloucester, UK
08.2024 - 02.2026
- Managed contract compliance and documentation for multi-region partnerships, streamlining procedures and policy development to reduce processing time.
- Oversaw the onboarding process for new partners, ensuring a smooth transition and integration into ongoing projects.
- Liaised with legal departments to ensure all partnership agreements comply with regulatory requirements and standards.
- Monitored competitive activities and developed strategies to retain a competitive edge within the industry.
Retail and Cash Office Assistant
Primark Ltd.
Gloucester
05.2023 - 11.2025
- Handled cash transactions and maintained financial accuracy at point of sale while adhering to financial procedures and loss-prevention protocols.
- Maintained strict compliance with internal financial controls; proactively identified and resolved discrepancies, reducing cash variance incidents through daily audit checks.
- Managed daily cash reconciliation, float management, petty cash, and end-of-day banking across a high-volume retail environment; produced and analysed financial performance reports.
Virtual Assistant
Bushra Enterprises Ltd.
, UK
12.2020 - 04.2022
- Managed team expense reports and financial correspondence while providing administrative support for accounts team, ensuring accurate and timely processing of financial documentation.
- Monitored email inboxes, prioritised messages, and ensured timely responses to important communications.
- Answered calls and emails efficiently, offering round-the-clock client and customer care.
- Provided day-to-day administrative support, improving overall business efficiency.
Associate Consultant
Excelerate Pvt. Ltd.
, Pakistan
08.2019 - 09.2021
- Managed client projects while supporting business development efforts.
- Collaborated with cross-functional teams to ensure a cohesive approach to meeting client expectations.
- Implemented innovative methodologies for process improvement, resulting in increased efficiency and productivity.
- Coordinated cross-functional teams to ensure seamless execution of projects and alignment with objectives.
Assistant Accountant / Coordinator
Clifton High School
, Pakistan
06.2011 - 01.2012
- Managed school accounts, processed invoices, handled banking correspondence, entered data, and resolved parent/pupil finance queries to ensure smooth financial operations.
- Updated and maintained accounting journals, ledgers, and other records detailing financial transactions.
- Prepared and processed financial documents, including invoices, bills, and accounts payable and receivable.
- Managed daily bookkeeping functions with attention to accounts receivable, accounts payable, banking reconciliation and disbursements.
Volunteer - Administration Manager
Ghousia Islamic Community Centre
Gloucester
08.2022 - Current
- Reviewed policies and managed organisational documents to ensure compliance and support effective volunteer operations.
- Coordinated facility management tasks, ensuring a safe and productive workplace for all employees.
Education
MSc - International Business
University of Ulster
Birmingham01-2023
MBA -
University of Karachi
Karachi01-2011
BSc - Biology
University of Karachi
Karachi01-2008
Skills
- Financial management
- Financial reporting
- Budget control & forecasting
- Month-end reconciliations
- Invoice processing
- Accounts administration
- Oracle ERP and EPOS
- Financial data analysis
- Month-end reporting
- Audit compliance
- Record management
- Microsoft excel
- Pivot table development
- Bookkeeping & general ledger
- Accuracy & attention to detail
- Time management proficiency
- Communication skills
- Policy development
Languages
English
Advanced
C1
Urdu
Advanced
C1
German
Beginner
A1
Turkish
Elementary
A2
Websites, Portfolios and Profiles
linkedin.com/in/jowaria-muhammad
Certification
- Professional Bookkeeping and Accounting 1 - Sales and Purchases certified from Alison
- Fundamentals of Budgeting and Variance Analysis certified from Alison
Interests
Learning new skills (Turkish, German, Python SQL)
Sports (Badminton, Hiking, Cycling)
Creative activities (Photography, Writing, Video animations)
Timeline
Business Development & Partnerships Manager
Dunya Consultants Ltd.
08.2024 - 02.2026
Retail and Cash Office Assistant
Primark Ltd.
05.2023 - 11.2025
Volunteer - Administration Manager
Ghousia Islamic Community Centre
08.2022 - Current
Virtual Assistant
Bushra Enterprises Ltd.
12.2020 - 04.2022
Associate Consultant
Excelerate Pvt. Ltd.
08.2019 - 09.2021
Assistant Accountant / Coordinator
Clifton High School
06.2011 - 01.2012
MSc - International Business
University of Ulster
MBA -
University of Karachi
BSc - Biology
University of Karachi