Muhammad Umer Malik

Business Lead 

Habib Bank Limited    04/2021 – 09/2025 Karachi - Pakistan 

• Led finance process automation initiatives, reducing manual reporting effort by 30–40%. 

• Gathered & documented business requirements (BRD/FSD) for finance and BI solutions supporting management decision-making. 

• Extracted & transformed large datasets (1M+ records) from enterprise data lakes using SQL to support analytics and reporting teams. 

• Guided development of Power BI executive dashboards, improving visibility of KPIs, financial performance, and risk metrics. 

• Acted as a bridge between Finance, Data Engineering, and BI teams, defining data models and optimized process flows. 

• Evaluated finance operations using BPMN and process reviews, identifying inefficiencies and recommending improvements. 

• Supported testing and UAT, reducing reporting defects by 25% through structured validation. 

• Worked in Agile (Scrum/Kanban) environments using JIRA, managing backlogs, user stories, and stakeholder communication.

Relationship Manager 

United Bank Limited    10/2019 – 04/2021 Karachi - Pakistan 

• Managed reporting relationships for corporate and internal stakeholders, ensuring timely and accurate analytics delivery. 

• Designed and delivered custom dashboards and KPI reports, improving client decision-making turnaround by 20%. 

• Translated complex financial and operational data into clear insights and recommendations. • Monitored KPIs and SLAs, proactively identifying and resolving discrepancies. 

• Ensured full compliance with data governance, confidentiality, and audit standards

Manager Fund And Fixed Asset Management 

Summit Bank Limited    05/2017 – 10/2019 Karachi - Pakistan 

• Managed Provident and Gratuity Funds with assets exceeding PKR billions, including contributions, investments, and settlements. 

• Prepared annual financial statements and ensured compliance with SECP and SBP regulations. 

• Coordinated with auditors, trustees, and tax authorities, achieving zero major audit observations. 

• Led fixed asset lifecycle management (CAPEX) including tagging, CWIP, revaluation, impairment, and disposals. 

• Executed monthly depreciation and amortization runs, ensuring 100% reconciliation accuracy. 

• Managed insurance renewals and claims for 100+ assets and employees, recording accruals and adjustments. 

• Performed banking industry ratio analysis and daily cash, advance, and deposit reporting. 

• Supported audits, compliance, and ad-hoc finance and asset management tasks.

Manager Accounts 

Genesis Solutions (Private) Limited    01/2014 – 05/2017 Karachi - Pakistan 

• Oversaw end-to-end accounting operations, financial controls, and statutory compliance. 

• Led budgeting and forecasting cycles, improving cash flow predictability by 15%. 

• Managed AP, AR, payroll, tax filings, and audits. 

• Prepared management and statutory reports for executive and regulatory review.

Assistant Manager Accounts / Finance 

Yusra Trade International (Private) Limited    06/2012 – 01/2014 Karachi - Pakistan 

• Finalized payroll for 120+ employees and managed 2M+ invoices, payments, and customer recoveries. 

• Reconciled 10+ local and foreign bank accounts and petty cash; maintained inventory across 5 stores. 

• Led budgeting, forecasting, and cost control analysis, achieving 5–10% cost savings annually while ensuring compliance. 

• Oversaw fixed asset management and employee insurance, covering 5M+ in assets and 100+ health policies. 

• Prepared and submitted monthly and annual sales and income tax returns, ensuring 100% regulatory compliance. 

• Reviewed LC/import documentation and supported audits, contributing to timely financial statement preparation. 

• Liaised with banks to manage treasury operations, maintaining smooth cash flow and liquidity for operations.

Finance Officer 

Platinum Pharmaceuticals (Private) Limited    11/2007 – 01/2012 Karachi - Pakistan 

• Reviewed policies and processes; led budgeting, forecasting, and ratio analysis with 100% timely controls. 

• Managed cash and fund flows; optimized accounts, improving operational efficiency by 12%. 

• Oversaw 3M+ invoicing, payments, and customer recoveries; ensured tender compliance. 

• Finalized LC documentation, contracts, and imports; liaised with banks for 2M+ finance leases. 

• Ensured SECP compliance; submitted monthly and annual sales and income tax returns accurately. 

• Reviewed payroll for 120+ employees; handled in daily finance and treasury operations. 

• Supported audits and prepared financial and management reports for senior leadership.

Finance Officer 

Allied Trading and Packaging    01/2006 – 10/2007 Karachi - Pakistan 

• Prepared payment vouchers and cheques; managed petty cash reporting with 100% accuracy. 

• Processed payroll for 100+ employees; reconciled local and foreign bank accounts totaling 2M+. 

• Handled LC documentation and import contracts; liaised with banks for timely financial settlements. 

• Generated 3M+ sales invoices; maintained receivable reports and updated stock statements. 

• Created tax challans; ensured 100% timely sales and income tax compliance. 

• Compiled income statements for accurate financial analysis and management reporting. 

• Supported daily finance operations with accuracy, compliance, and process efficiency.

KASB Institute of Technology – Masters in Business Administration-Finance (Karachi – Pakistan)