MUHAMMAD MUDASSIR USMAN
Summary
Talented finance professional with proven expertise in loan and credit management. Diligent in research and assessment for minimised client and business risk. Meticulous in maintaining accurate, up-to-date records. Pro-active and results oriented professional with distinguished record of academic performance and professional achievements with over 12 years of progressive experience in Credit Control / Accounts Receivables /Treasury and Accounts Payable, working in multi-cultural environment with leading companies in Saudi Arabia.
Overview
15
15
years of professional experience
Work history
Credit & Collection Supervisor
Abdullah Abunayyan Trading Corp
08.2020 - Current
- Managed credit risk data for regular review and evaluation, maintaining accuracy and completeness.
- Collaborated with sales teams and customers to optimise credit terms, addressing needs and expectations.
- Furnished senior leadership with credit availability updates and comprehensive credit exposure reports.
- Updated credit risk policies and procedures to mitigate against developments in fraud strategies.
- Worked cross-functionally to evaluate and refine internal processes, increasing protection from financial risk.
Sales and accounts manager
Abdullah Abunayyan Trading Corp
11.2017 - 07.2020
- Maximised revenue and met established growth benchmarks with superior management of full account portfolio.
- Analysed sales reports and KPIs to uncover performance issues and drive progress toward sales benchmarks.
- Grew sales and consistently exceeded revenue-related KPIs.
- Maintained detailed and current records of inventory, personnel activities and business finances.
- Pursued new business opportunities by forging strong networks and contacting potential buyers.
Financial analyst
Abdullah Abunayyan Trading Corp
08.2015 - 10.2017
- Supported corporate acquisitions with thorough financial due diligence.
- Reviewed balance sheets and income statements to assess corporate financial health.
- Worked with financial team to coordinate high-volume workflow under stringent deadlines.
- Reviewed expenditures against established budgets, reporting on variances and implementing controls to reduce overages.
- Liaised with senior management to present and evaluate financial modelling strategies.
Credit control officer
Abdullah Abunayyan Trading Corp
06.2012 - 07.2015
- Actioned credit requests from stakeholders, maintaining company credit exposure within frameworks.
- Tracked loans to gauge signs of financial distress or possible fraud.
- Developed credit repayment plan to preserve stability.
- Created and monitored KPIs across lifecycle for consistent development and improvement.
- Summarised and presented results and recommendations from analysis to continue progression of business.
Accounts officer
Abdullah Abunayyan Trading Corp
Riyadh
04.2010 - 05.2012
- Improved overall process for year-end inventory audits.
- Oversaw company accounts, bank reconciliations and payments.
- Prepared monthly reports, account reconciliations and financial statements.
- Negotiated buying conditions and sales contracts to secure lucrative deals.
- Created seasonal sales plans with varying stock and promotional strategies.
Accountant
Al Subaie Group
Riyadh
11.2008 - 03.2010
- Prepared monthly bank reconciliations and compiled reports for financial reviews.
- Resolved reporting errors by conducting investigations and amending accounting entries in line with regulations.
- Recorded, classified and stored sensitive information to support financial governance.
- Analysed monthly balance sheet accounts for corporate reporting.
- Reconciled accounts from income and expense data to net worth and assets.
Education
MBA - Business Administration
University of Central Punjab
2008
Bachelor of Commerce (B-COM) - Accounting
University of Punjab
2005
Skills
- Accounting Software
- SAP
- Proficient in use of MS-Office (Word/Excel
- PowerPoint) Outlook Express Credit analysis
- Credit risk management Credit reports
- Business credit coordination
- Financial planning
- Time management
Additional Information
- Visa Status : Transferable
- Driving License : Saudi Arabia
Languages
English
Advanced
Hindi
Fluent
Urdu
Fluent
Timeline
Credit & Collection Supervisor
Abdullah Abunayyan Trading Corp
08.2020 - Current
Sales and accounts manager
Abdullah Abunayyan Trading Corp
11.2017 - 07.2020
Financial analyst
Abdullah Abunayyan Trading Corp
08.2015 - 10.2017
Credit control officer
Abdullah Abunayyan Trading Corp
06.2012 - 07.2015
Accounts officer
Abdullah Abunayyan Trading Corp
04.2010 - 05.2012
Accountant
Al Subaie Group
11.2008 - 03.2010
MBA - Business Administration
University of Central Punjab
Bachelor of Commerce (B-COM) - Accounting
University of Punjab
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