Master of Business Administration (MBA)

I have passed Master of Business Administration with major in Finance from Indus Institute of Higher Education (University of Toronto accredited).

Financial Planning and Analysis Manager

The Panda Retail Company is a Saudi Arabian grocery retailing company, part of the Savola Group which is ranked 9th out of the top 100 companies in the Saudi Arabian market, with 18,000 employees and 2024 revenues of SAR12bn.

As Financial Planning and Analysis Manager, served as Finance Business Partner for Operations and IT, driving performance through KPI design, monitoring, and automated dashboard reporting. Collaborated closely with department heads to manage budgets, control expenses, and ensure alignment with financial targets. Supported month-end close by ensuring accurate revenue recognition, expense accruals, and variance analysis. Developed and implemented CAPEX and OPEX trackers to monitor IT transformation project spending versus budget. Verified monthly staff incentive calculations against policy guidelines to maintain fairness and transparency. Additionally, built financial models and conducted scenario analysis to guide strategic decisions and optimize resource allocation.

Key Contributions:
• Established vendor cost controls, improving accrual accuracy and uncovering $1.6M savings within $27M maintenance spend.
• Successfully led the implementation of Oracle Fusion ERP Cloud (Finance modules) at Panda Retail Company, enhancing
financial reporting, streamlining budgeting and forecasting processes.
• Successfully implemented a Store Incentive Dashboard in collaboration with Operations, reflecting store performance based on
smart KPIs and enhancing accountability.
• Built financial models for IT transformation projects to evaluate ROI and support investment prioritization.
• Improved gross margin by optimizing product mix and renegotiating supplier contracts, contributing to higher profitability and
operational efficiency.

Financial Analyst

As Financial Analyst, distributed sales, margin, rebate, and other income budget to stores under each department based on store historical data and dynamics keeping in view of the latest upgrades. Prepared detailed consolidated P&Ls for all stores, districts and regions. Performed monthly and quarterly variance analysis of budgeted / forecasted results against actual financial performance, clearly interpreting and documenting variances drivers. Worked on special projects as needed to support the business heads and the senior management team. Presented ‘What if’ scenarios for budget assumptions and forecasting strategies for the e-commerce platform. Managed the monthly, quarterly and year-end close processes including detailed reconciliations to GL results. Led monthly meetings with directors to analyze spending and provide financial recommendations. Developed and shared Commercial Margin Performance reports for Business Unit Heads at department level, providing the reporting and analytical support needed by the Business Units and Supplier Engagement teams to make well-informed data-driven business decisions.

Key Contributions:
• Analyzed predicted incremental income growth from Commercial Margin Optimization to determine accurate commission,
reducing consultancy fees by 38%, saving $900k.

Senior Accountant

As Senior Accountant, analyzed business performance across all areas of revenue, cost of sales and expenses, monitoring Key Performance Indicators, highlighting trends and analyzing causes of unexpected variance. Participated in the development of budgeting and financial forecasting. Provided quarterly and monthly financial reports, improving performance by evaluating processes to drive efficiencies. Analyzed complex financial information and reports to provide accurate and timely financial recommendations to management for decision-making purposes.

Key Contributions:
• Fully automated store reporting with SAP BI tool, publishing with auto-delivery to 200+ store managers, reducing time to deliver
income statements from 3-4 days to 2 hours and improving quality of work.

Accountant

As an Accountant in the Regional Finance Office, I was responsible for a broad range of financial tasks and controls. My duties included conducting thorough purchase audits to ensure accuracy and compliance with internal policies, reviewing and validating sales transactions through sales audits, accurately posting supplier invoices into the accounting system, and managing the complete process of Return to Vendor (RTV), including reconciliation and vendor coordination. These responsibilities enhanced financial accuracy, improved audit readiness, and supported overall operational efficiency.

Junior Accountant

As a Junior Accountant in the Regional Finance Office, I provided support in day-to-day accounting operations, including data entry of purchase and sales transactions, assisting in supplier invoice verification, and preparing basic reconciliations for vendor accounts. I also supported the purchase audit process by gathering and organizing documentation for review, and helped in resolving minor discrepancies in collaboration with the finance team. This role gave me a solid foundation in accounting principles, attention to detail, and understanding of internal control processes.