Umer Hanif

Detail-oriented finance professional with over 7 years of experience in financial operations, planning, analysis, and reporting. Skilled in budgeting, forecasting, financial management, and process improvement, with strong proficiency in accounting systems and ERP platforms. A dependable and analytical professional with a proven ability to support business decisions, improve financial processes, and contribute effectively to results-driven teams.

Senior Finance Associate at The Ijaz Group (2025-01 – Present)

• Lead month-end and year-end close processes for a multi-entity organization, delivering accurate financial statements consistently on time and with minimal supervision.
• Oversee full-cycle accounting operations — accounts payable/receivable, payroll for 50+ employees, and cash management.
• Build and maintain rolling budgets, variance reports and KPI dashboards providing real-time visibility into business performance.
• Conduct client-level and departmental profitability analysis, tracking cost-to-revenue ratios and delivering actionable recommendations that improve margins.
• Drive automation of financial workflows and reporting processes, reducing manual effort and improving turnaround times across the finance function.
• Present monthly financial results and forward-looking insights to non-financial stakeholders, translating complex data into clear, decision-ready narratives.

Finance Associate at The Ijaz Group (2022-06 – 2025-01)

• Managed full general ledger accounting, transaction recording, accruals, reconciliations, and monthly close maintaining clean, audit-ready books at all times.
• Processed end-to-end payroll including tax withholdings and statutory deductions, ensuring accurate and compliant disbursements each cycle.
• Prepared monthly cost analysis and staff utilization reports, equipping management with insights to optimize headcount spend and resource allocation.
• Assessed client revenue against staffing and operational costs, identifying margin risks and cost-saving opportunities across service lines.
• Collaborated with department heads to set budgets, monitor actuals, and deliver timely variance commentary aligned to business goals.
• Managed AR/AP cycles and vendor/client correspondence, maintaining healthy working capital and strong stakeholder relationships.
• Liaised with tax consultants for annual filing preparation and submission, maintaining full compliance with statutory requirements.

Accounts Executive – Finance at ABL Asset Management (2021-07 – 2022-06)

Leading Asset Management Company, Pakistan

• Maintained books of accounts for a portfolio of conventional and Islamic mutual funds within an ERP system, ensuring accurate and compliant financial records.
• Reconciled bank accounts and managed all banking transactions, ensuring timely investment settlements and zero discrepancies month over month.
• Recorded and revalued equity and fixed-income investment positions on a mark-to-market basis, supporting accurate NAV reporting.
• Prepared cash flow forecasts and financial position reports to support fund liquidity management and investment planning.
• Supported quarterly, half-year, and year-end account closings in line with regulatory reporting deadlines.

Credit Analyst at Fundo Loans – Australia (2020-08 – 2021-02)

Microfinance Lender

• Evaluated creditworthiness of loan applicants through detailed financial statement analysis and risk assessment within a regulated Australian lending environment.
• Produced structured credit memos with clear approval/rejection rationale, building a consistent record of sound and defensible credit decisions.
• Developed financial models and spreadsheets to support credit analysis on new, refinanced, and amended loan applications.

Consultant – Advisory at EY Ford Rhodes (2019-09 – 2020-07)

Big 4 Firm

• Served as District Team Lead on a large-scale advisory engagement, overseeing field operations, district fund administration, and monthly reporting to project leadership.
• Planned and assigned monitoring visits, conducted surprise audits, and resolved administrative issues across the assigned project office.

Trainee Accountant at Allied Solutions – UK (2019-01 – 2019-06)

UK-Based Accountancy Firm

• Managed bookkeeping for UK-based individual and business clients — bank reconciliations, sales/purchase invoicing, and payment allocation.
• Prepared and filed VAT returns in compliance with HMRC requirements using cloud-based accounting platforms.

Audit Intern at EY Ford Rhodes (2018-08 – 2018-10)

Big 4 Firm

• Assisted in ensuring complete, accurate, and timely audit information was reported; supported management of audit resources and assignments.
• Coordinated with investment managers, brokers, and financial advisers while maintaining compliance obligations and delivering responsive client service.

Bachelor in Accounting & Finance – University of Central Punjab (2019)

Intermediate in Pre-Engineering – Punjab Group of Colleges (2014)

Matriculation in Science – Sanwyk Grammar School (2012)