Muhammad Umer Malik

Business Lead  Apr 2021 – Sept 2025

Habib Bank Limited Karachi - Pakistan

• Designed and automated finance department processes while crafting strategic business cases to drive informed decision-making.
• Build requirement gathering, analyzing Finance business processes, and interpreting external & internal data through BRD & FSD briefly.
• Extract & transform large dataset from Data Lake using SQL queries to support data programmers and reporting.
• Enabled data-driven decision-making by guiding Power BI dashboard development and reporting to support strategic management.
• Facilitated cross-functional alignment on BOT development by bridging Data and Finance teams to define data models and process flows.
• Streamlined testing by eliminating bottlenecks and enhancing efficiency through improved test automation frameworks.
• Evaluate Finance department projects Process Model Notation & operations using subject expertise to identify inefficiencies for process improvement.
• Proficient in JIRA and Agile methodologies (Scrum/Kanban), collaborate with teams to manage requirements and lead elicitations.

Relationship Manager Oct 2019 – Apr 2021
United Bank Limited  Karachi - Pakistan

• Build and maintain strong relationships with clients, understanding their reporting needs and business goals.
• Develop, manage, and deliver customized reports, dashboards, and performance metrics.
• Collaborate with internal departments (e.g., Finance, Sales, BI) to gather data and ensure reporting accuracy.
• Translate complex data into clear, actionable insights for clients and stakeholders.
• Monitor KPIs and service-level agreements (SLAs), proactively addressing discrepancies.
• Present findings and recommendations in client meetings and internal reviews.
• Ensure compliance with data governance and confidentiality standards.

Manager Fund And Fixed Asset Management May 2017 – Oct 2019
Summit Bank Limited Karachi - Pakistan

• Managed end-to-end operations of provident and gratuity funds, including monthly contributions and income allocation.
• Recorded and evaluated investments, processed withdrawals, repayments, and final settlements.
• Assisted trustees in reviewing loan requests and facilitated quarterly PF and GF meetings.
• Prepared annual financial statements and ensured compliance with SECP and SBP regulations.
• Liaised with auditors during annual audits and responded to tax authority notices and trustee resolutions.

Additional Responsibilities related to Fixed Assets Management (CAPX):

• Managed fixed assets lifecycle including tagging, revaluations, CWIP, and financial disclosures.
• Tracked daily expenditures for capitalization and reconciled asset additions, disposals, and write-offs.
• Conducted impairment reviews, obsolescence investigations, and asset retirement obligation reconciliations.
• Executed monthly runs for amortization, depreciation, and prepayments with accurate reconciliations.
• Handled insurance renewals and claims for assets and employees, recorded accruals and adjustments.
• Performed industry ratio analysis and daily reporting of cash, advances, and deposit movements.
• Supported audits, compliance, and exceptional tasks across finance and asset management functions.

Manager Accounts Jan 2014 – May 2017
Genesis Solutions (Private) Limited Karachi - Pakistan

• Reviewed and monitored functional policies, processes, and financial controls.
• Conducted ratio analysis, budgeting, forecasting, and managed cash/funds flow statements.
• Developed systems and modulated accounts for operational efficiency.
• Oversaw invoicing, payments, customer recoveries, and tender compliance.
• Finalized LC documentation, liaised with banks, and managed finance lease matters.
• Handled SECP compliance, tax filings, payroll reviews, and audit support.
• Prepared financial and statutory reports for management and regulatory bodies.

Assistant Manager Accounts / Finance Jul 2012 – Jan 2014
Yusra Trade International (Private) Limited Karachi - Pakistan

• Finalized payroll and monitored invoices, payments, and customer recoveries.
• Reconciled bank accounts (local/foreign) and petty cash; managed inventory statements across all stores.
• Led budgeting, forecasting, and cost control analysis with compliance-focused reporting.
• Oversaw fixed asset management and handled insurance matters for assets and employee health.
• Finalized and submitted monthly and annual tax returns (sales and income tax).
• Reviewed LC and import documentation; supported internal audits and financial statement preparation.
• Liaised with banks to manage finance operations and ensure smooth treasury activities.

Finance Officer Nov 2007 – Jan 2012
Platinum Pharmaceuticals (Private) Limited  Karachi - Pakistan

• Reviewed functional policies and processes; led budgeting, forecasting, and ratio analysis with periodic controls.
• Managed cash and funds flow statements; developed systems and modulated accounts for operational efficiency.
• Oversaw invoicing, payments, customer recoveries, and tender compliance.
• Finalized LC documentation, contracts, and import procedures; liaised with banks for finance lease matters.
• Ensured SECP compliance and submitted monthly and annual tax returns (sales and income tax).
• Reviewed payroll reports and monitored daily finance and treasury operations.
• Supported audits and prepared financial and management reports.

Finance Officer Jan 2006 – Oct 2007
Allied Trading and Packaging Karachi - Pakistan

• Prepared payment vouchers, cheques, and managed petty cash reporting.
• Processed payroll and reconciled local and foreign currency bank accounts.
• Handled LC documentation and import contracts; liaised with banks for financial matters.
• Generated sales invoices, receivable reports, and stock statements.
• Created tax challans and ensured timely tax compliance.
• Compiled comprehensive income statements for financial analysis and reporting.
• Supported day-to-day finance operations with accuracy and attention to details

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

• University of Karachi – Bachelor in Commerce (Karachi – Pakistan) Aug 2011 – Dec 2016 Mar 2006 – Apr 2010