What I Deliver
Every service is grounded in real operational experience — not theory. These are the same financial disciplines I have managed across multi-entity corporate groups for over 15 years.
Financial Operations Management
End-to-end financial control across multi-site business units. I establish ledger management systems, AP/AR governance frameworks, and operational oversight processes that give you complete visibility into your financial health — every branch, every transaction, every day.
This service is designed for businesses operating across multiple locations or entities that need centralized financial oversight. I set up the Chart of Accounts, establish reporting hierarchies, create approval workflows for expenditures, and implement monthly financial review cycles. The result is a finance function that runs like clockwork — even when you are not watching.
ERP/SAP Implementation & Migration
Complete financial software setup from Chart of Accounts design to legacy data extraction and seamless system cutover. Hands-on experience with SAP, Xero, JDE, and QuickBooks — including the Shell One-Credit SAP Implementation Project.
An ERP migration is one of the highest-impact decisions a growing business can make. I manage the full lifecycle: requirements analysis, Chart of Accounts design, legacy data extraction and cleansing, system configuration, parallel run management, and post-go-live stabilization. My experience includes SAP cutover at Shell Pakistan and multi-entity transitions from Tally to modern platforms.
Month-End & Year-End Closing
Disciplined closing schedules that deliver accurate financial reporting on time, every time. Complete accruals, prepayments, trial balance finalization, and consolidation across all operating branches and business entities.
A reliable month-end close is the backbone of trustworthy financial reporting. I establish closing calendars with clear ownership, ensure accruals and prepayments are accurately recorded, reconcile every bank account, review the trial balance for reasonableness, and produce management reports that reflect reality. The process is systematic, repeatable, and auditable.
Tax Compliance & Statutory Audit
Multi-entity corporate tax compliance including Sales Tax, Withholding Tax (WHT), and coordination with external audit firms for statutory annual audits. I manage the complete regulatory filing calendar so you never face penalties.
Pakistan's tax environment is complex and constantly evolving. I manage the complete compliance calendar: monthly sales tax returns, withholding tax statements, annual income tax filings, and coordination with external audit firms for statutory audits. My track record across all client engagements is zero statutory findings — a result of systematic processes and meticulous attention to filing deadlines.
Internal Audit & Control Frameworks
Engineered internal financial control mechanisms that safeguard corporate capital against unauthorized expenditures and fraud. I design AP/AR control systems, stock verification processes, and variance analysis frameworks that prevent leakage.
Internal controls are not just about preventing fraud — they are about ensuring that every transaction is authorized, recorded accurately, and reported correctly. I design control frameworks that cover accounts payable (three-way matching, approval hierarchies), accounts receivable (aging analysis, collection follow-ups), inventory (stock verification, variance analysis), and cash handling (dual authorization, daily reconciliation).
Treasury & Cash Flow Management
Group treasury operations across 15+ corporate bank accounts. I optimize working capital, streamline payment workflows, improve cash reconciliation turnaround times, and ensure your business always has the liquidity it needs.
Effective treasury management ensures your business always has the liquidity it needs while maximizing returns on excess cash. I establish daily bank reconciliation processes, optimize payment timing to maintain favorable cash positions, manage intercompany fund transfers, and create cash flow forecasts that support strategic decision-making. At The Fuel Experts, I managed group treasury operations across 15+ corporate bank accounts simultaneously.
Quantitative credit risk scoring, customer credit evaluation, and credit limit configuration. From my experience at Shell Pakistan driving the SAP credit implementation — I help you set credit policies that protect revenue while supporting business growth.
Credit risk management is about balancing growth with protection. Too strict, and you lose customers. Too lenient, and you face bad debts. I design credit policies that use quantitative scoring models, set appropriate credit limits based on customer financial analysis, establish review triggers, and create escalation procedures for overdue accounts. My experience includes the SAP One-Credit Implementation at Shell Pakistan.
Personal Financial Planning
A complete roadmap for your personal finances. I analyze your monthly income, expenses, and long-term goals — then build a step-by-step plan showing exactly where to invest, how much to save, and how to reach your financial targets at every stage of life.
Most professionals in Pakistan earn well but lack a structured financial plan. I start with a comprehensive analysis of your income, expenses, existing savings, and liabilities. Then I build a personalized roadmap covering emergency fund targets, debt payoff strategy, investment allocation across Pakistani asset classes, and milestone-based goals. The result is clarity — knowing exactly where your money should go each month.
Not Sure Which Service You Need?
That is perfectly fine. The first consultation is free — we will discuss your situation and I will recommend the right approach.
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