MUHAMMAD SALMAN - ACCA, BSc (Hons), CAT

PERSONAL DETAILS
Passport: DW5753502 | DOB: 28thApr 1991
Contact details: +92 333 2327714, +971-507509971
Email salman.pasha@live.com| Residential address: Elsa Garden, Flat 404, University Road, Karachi - Pakistan
SUMMARY
Professional certified chartered accountant with more than three years of accounting, finance, reporting and auditing experience along with
multi-dimensional exposure and adaptable personality who can manage matters relating to financial analysis, general and advance acc ounting
matters, auditing, costing, compliance and taxation. ACCA professional certification and Oxford Brookes University bachelors degree in Applied
Accounting with a strong background in finance and accounting methodologies and practices.
EXPERINCE
GABR & FILHOS COMMERCIO GERAL LDA:
GABR honored to have successful commercial operations in more than 15 countries all over the Africa and Middle East for his valuable
customers because of his vast attendance in other countries, access to international markets and have excellent management for business,
bank and credit operations and transportation with highest quality and the best conditions.
Duration: Mar 2016 May 2016| Luanda & Dubai Office,
Position: Financial Analyst
Responsibility:
Providing company directors with accurate and timely financial information, management accounts and data analysis; interpret the company's
financial results to management and recommend improvement activities.
Prepares asset, liability, and capital account entries by compiling and analyzing account information; prepares special financial reports by
collecting, analyzing, and summarizing account information and trends.
Perform detailed account analysis and corporate month-end processing and reporting; maintain the general ledger, ensuring compliance with
UAE and South Africa financial reporting regulation.
Assisting with budgets and forecasting; interpreting cash flows and predicting future trends; identifying the potential for making financial
savings.
Coordinate with appropriate management staff in implementing approved corrective and preventive measures to clean up and ensure riskfree accounting or management practices.
TAMEER MICROFINANCE BANK LIMITED:
Norwegian Telenor Group owns the Bank, which is an international provider of voice, data, content and mobile communication services in 13
markets across Europe and Asia and an additional 17 markets through its ownership in VimpelCom Ltd.
Duration: Aug 2013 - Feb 2016 |Head Office Karachi Pakistan,
Position: Associate Manager Finance
Responsibility:
Reconciliation of complete 19Bn+ deposit portfolio, recording of accrued-markup & mark-up expense on fixed deposit (TDR) and saving
accounts, calculation for pre maturity of fixed deposit TDRs.
Prepare and maintain a variety of financial reports for the management including monthly ALCO (Asset Liability Committee), Branch
profitability, Financial-center profitability, monthly management News Letter.
Reporting to parent (Telenor- Oslo) on monthly basis (Branchless Banking Profit & Loss statement, Financial Split between Core Banking and
Branchless Banking, G2P project profitability, depreciation, monthly addition/deletion, gain/loss and lease schedules of fixed assets according
to group policy etc.).
Develop and manage the financial budgeting and forecasting process for applicable functional areas and prepare total bank wide budgets,
review, analyze and present revenue and expenditure variances relative to the adopted budgets of various functions, track spends under key
heads for compliance and in light of those prepare monthly management reports including recommendations.
Support Reporting Manager in preparation of regulatory reports (Micro-watch, IFC, Bi-weekly, Flow of Funds and Quarterly reports to State
Bank of Pakistan as per regulatory reporting requirements and timelines); provide recommendations for improvements and modifications to
the MIS reports and production process where appropriate; transitioning large amounts of complex nature data in to meaningful information.
Special Projects:
Managed the virtual data room for the due diligence exercise carried out by Telenor Pakistan (titled Project Foxtrot and Project Moon) in
respect of the proposed acquisition of 100% shares in the Bank. This is also involved managing queries received and responding to them while
coordinating with various departments within the Bank for the said responses.
Liaised and worked with the rating agencies PACRA and JCR-VIS to obtain the fresh credit rating of the Bank. This among other thing included
arranging meeting between the management and the rating agencies and provision of information required by the agencies.
Worked with IT department to Integrate the Fundamo system (used for recording Easypaisa transactions) with Oracle Financials (tie core
banking accounting system of the Bank) in order to automate the recording of Easypaisa transaction on Oracle Financial.

Muhammad Salman

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SIDAT HYDER MORSHED ASSOCIATES:

Sidat Hyder Morshed Associates (Pvt) Ltd is a management consulting, technology services and outsourcing practice established and operating
since 1986. Technology partnerships with Oracle, Microsoft, Sybase and SSA Global Technologies.
Duration: January 2012 - April 2012 |Head Office Karachi - Pakistan,
Position: Trainee
Responsibility:
Financial reporting of actuarial valuation of various retirement benefit schemes as per IAS-19, assisting clients in preparation of financial
statements in accordance with International Financial Reporting Standards (IFRS).
Assisting client with the preparation and presentation of financial statements including significant financial statement disclosures, in the light
of the relevant reporting framework and ensuring compliance with all applicable reporting requirements. Application of International Financial
Reporting Standards (IFRS) and UK (GAP).
Coordinate with appropriate management staff in implementing approved corrective and preventive measures to clean up and ensure riskfree accounting or management practices.
Schedule regular management and staff meetings to present audit results and recommend pertinent solutions to any unaccountable
transactions, faulty or erroneous data and other financial record aberration. Coordinate with appropriate management staff in implementing
approved corrective and preventive measures to clean up and ensure risk-free accounting or management practices.
Major Clients Portfolio:

BYCO: Actuarial valuation for the year ended December 2012 (Employees Gratuity Funded Plan)

Tameer Microfinance Bank Limited: Audit for the year ended December 2012.
PROFESSIONAL QUALIFICATION
Associate Certified Chartered Accountant (ACCA - UK):
Major: Adv. Taxation & Audit Assurance
Status: ACCA Member
BSc (Hons) Applied Accounting (Oxford Brookes University - UK):
Topic: Three Years Business and Financial Performance
Company: Lucky Cement Industry Limited
Status: Graduate
Advanced Diploma in Accounting and Business (ACCA - UK):
Equivalence: UK Bachelor's Degree, 2013
Certified Accounting Technician (CAT ACCA - UK):
Major: Financial & Management Accounting
Status: Graduate
ACADEMIC QUALIFICATION
Higher Secondary Certificate:
From: Bahria Foundation College;
Affiliation: Board of Intermediate Education, Karachi
Secondary School Certificate:
From: Aga Khan School;
Affiliation: Board of Secondary Education, Karachi
PROFICIENCY & ACHIVEMENTS
Knowledge of IFRS, IAS and regulatory environment of Pakistan including Companys Ordinance and Microfinance Ordinance, Prudential
regulations.
On hand, practical experience of using various automated accounting packages such as FoxPro, Fundamo, Oracle R11 Application and Advance
Excel (Power Pivot, Power Query, Macros, Charts and other visualizations).
Distinction of being outstanding employee contribution in the year 2015' in Tameer Microfinance Bank Limited.

Muhammad Salman

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