Muhammad Umer Malik

I am writing to express my interest in a Business Analyst, Finance position, Payroll Processing, Accounts Receivable, Accounts Payable or Dashboard Reporting & Analytics within your organization. With over 18 years of experience across banking, finance, and data analytics, I bring a strong blend of analytical expertise, financial acumen, and process optimization skills that contribute directly to organizational success.

Throughout my career at leading institutions such as Habib Bank Limited, United Bank Limited, and Summit Bank Limited, I have consistently driven improvements in efficiency and data-driven decision-making. At Habib Bank Limited, I played a key role in automating finance processes and developing Power BI dashboards that enhanced strategic reporting and performance insights.

My experience in requirement gathering, business process modelling, and cross-functional collaboration has equipped me with a deep understanding of how to align business objectives with technology solutions. In addition to my technical expertise in SQL, Power BI, JIRA, and DAX, I am skilled at translating complex financial data into actionable insights that support leadership in achieving measurable goals.

My background in financial reporting, capital adequacy evaluation, and risk assessment enables me to approach challenges with precision and foresight. I am particularly passionate about using analytics to improve operational workflows, support digital transformation, and strengthen financial governance. I believe that my results-driven mindset and commitment to continuous improvement would make me a valuable asset to your team.

I would welcome the opportunity to discuss how my experience and skills can contribute to you.

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)