Umer Bilal
Gwynneville,Australia
Summary
Results-driven Finance Professional with over 15 years of experience, including overseas assignments, seeking a challenging role to leverage expertise in financial management, analysis, and strategic planning to drive organizational growth and success. Accomplished Treasury and Financial Analyst and with a proven track record of optimizing cash flow, strategically managing investments, and overseeing debt portfolios for diverse financial portfolios. Expertise in cultivating banking relationships, ensuring regulatory compliance, and optimizing capital allocation. Proficient in financial software, data analysis tools, and project management systems. Demonstrated success in international and domestic financial roles.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Financial Analyst
Medicins Sans Frontier MSF Australia
08.2022 - 12.2023
- Spearheaded financial planning and analysis (FP&A) activities, crafting comprehensive financial plans, budgets, and forecasts for various departments, including fundraising, support relations, IT, and domestic HR
- Skillfully managed cost analysis processes, scrutinizing and optimizing expenses linked to fundraising, support relations, and IT operations
- Leveraged advanced financial software, including Adaptive Insights, to facilitate budgeting, forecasting, and financial modelling tasks
- Collaborated closely with fundraising team, conducting in-depth analyses of donor contributions, campaign effectiveness, and return on investment (ROI) for fundraising initiatives
- Offered vital support to transformation projects by assessing their financial implications, tracking project budgets, and delivering valuable financial insights to guide decision-making
- Assumed responsibility for financial oversight of IT department, expertly managing budgets, assessing project proposals, and ensuring alignment of IT expenditures with strategic goals
- Effectively monitored financial transactions within support relations department, assuring adherence to donor restrictions and aligning financial reporting with donor requirements
- Proficiently utilized financial systems such as Net Suite for comprehensive financial management and reporting
- Provided diligent financial oversight for domestic HR operations, handling budgets associated with payroll, benefits, and workforce costs
- Delivered financial insights and reports to department heads, executives, and Board, employing clear and actionable communication style to facilitate informed decision-making
- Leveraged data analytics tools, including Microsoft Excel and Power BI, to extract actionable insights from financial data
- Maintained rigorous compliance with financial regulations and donor restrictions, safeguarding financial integrity of fundraising activities and mitigating associated risks
- Collaborated with Board and executive team, contributing valuable financial insights to support strategic planning and preparing financial reports and presentations for Board meetings
- Utilized project management tools like Asana for efficient task tracking and project coordination
- Leveraged HR and payroll software, including Preceda, to oversee and optimize HR-related budgets and expenses
- Fostered robust working relationships with department heads, executives, and stakeholders, ensuring effective financial partnering
- Supported implementation and management of Hybrid Hero/Hot Desk Plus, enhancing office and workspace resource management efficiency.
Deputy Manager of Finance
Pakistan Water And Power Development Authority
02.2017 - 01.2022
- Orchestrated financing arrangements for Power Projects through local bank consortium, securing crucial funding for project development and operations
- Managed Sukuk companies (Special Vehicles), overseeing financial transactions, compliance, and reporting, ensuring adherence to Shariah-compliant financing principles
- Headed WAPDA Bonds Cell department, directing issuance and trading of WAPDA bonds in financial market
- Successfully coordinated bond offerings, pricing, and investor relations to raise substantial capital for WAPDA projects
- Played pivotal role in arranging and executing significant bond issuance, notably WAPDA US $ 500 m Green Eurobond in 2020
- Collaborated with financial institutions, legal advisors, and regulatory bodies, resulting in successful bond offering
- Oversaw statutory audits, interim audits, and internal audits of financial records and transactions
- Ensured compliance with accounting standards and regulatory requirements, promptly addressing audit findings and implementing corrective actions
- Implemented robust risk management strategies to identify and mitigate financial risks associated with financing arrangements, Sukuk issuance, and bond management
- Cultivated and maintained strong relationships with local and international banks, leveraging banking partnerships for financing, negotiating favorable terms, and securing funding
- Prepared comprehensive financial reports, including financial statements, cash flow projections, and performance analyses
- Effectively communicated financial performance to internal and external stakeholders
- Ensured strict compliance with relevant financial regulations, legal requirements, and Shariah principles for Sukuk issuance
- Stayed current on regulatory changes impacting financial operations
- Collaborated with project teams to develop and maintain budgets and financial forecasts for Power Projects, monitoring budget execution and optimizing resource allocation
- Contributed to development of financial strategies and long-term financial plans for WAPDA
- Assessed financial feasibility of new projects and initiatives
- Managed treasury functions, including cash flow management, liquidity optimization, and investment decisions
- Efficiently utilized funds and facilitated timely disbursements
- Acted as liaison between WAPDA and financial institutions both within and outside Pakistan, facilitating effective communication and collaboration for financing and investment activities
- Effectively communicated financial updates, strategies, and performance to internal stakeholders, including senior management and project teams
- Provided leadership and guidance to financial teams involved in treasury management, accounting, and financial analysis, fostering collaborative and high-performing work environment.
Treasury Manager
National Bank of Pakistan, Islamic Banking Group
01.2014 - 02.2017
- Preparation of quarterly and annual Financial Statements of Islamic Banking Group
- Perform simulation analysis via portfolio risk diversification on Microsoft Excel o Prepare and evaluate feasibility of investments by market research and present to CFO for onward approval and decision making
- Assume leadership role and manage team of 22 people across different regional offices
- Ensure inter branch reconciliation and reduce float to minimize penalties by regulators
- Ensure adherence to compliance framework assigned by regulator
- Liaison with IT team for system development including pool management system and periodic reporting to controlling offices.
Treasury Analyst
National Bank Of Pakistan, Treasury Group
07.2011 - 01.2014
- Liquidity Management by maintaining Capital Adequacy Ratio (CAR), Statutory Liquidity Requirement (SLR) and Cash Reserve Requirement (CRR) as per regulators requirements
- As Money Market Dealer, responsible for managing pricing & trading of treasury products and maximizing return on portfolio via timely investment o Be an active team leader as Primary Dealer through active quoting for both Treasury Bills and Investment bonds in daily auctions
- Actively involved in managing trading of Government Securities on Bloomberg and other online portals on behalf of government o Responsible for conducting Interbank Foreign Exchange Market Trading activities as Foreign Exchange Dealer o Active market making in FX interbank market and float competitive pricing to Foreign Exchange Sales Desk
- Keep active eye on Nostros of bank with various overseas correspondent and branches with weekly reconciliation and settlements across 24 countries o Ensure placement of surplus foreign currency funds of bank generated from deposits as well as swap book to optimize returns o Manage overall Foreign Exchange Exposure Limit (FEEL) of bank within allocated limit and ensure minimization of penalties o Handle Bloomberg trading system, ACI, and ensure reconciliation with bank's internal SAP system for day end settlement.
Treasury Officer
First Capital Group
03.2008 - 03.2011
- Cash Flow Optimization:
- Demonstrated expertise in overseeing and optimizing daily cash flows for diversified First Capital Group portfolio, encompassing closed-end mutual funds, real estate, and media companies
- Executed precise cash position monitoring and forecasting, ensuring seamless transfer of funds within organization
- Strategic Investment Management:
- Strategically evaluated and executed informed investment decisions for surplus funds, tailoring short-term and long-term investment strategies to align with First Capital Group's unique financial landscape
- Achieved optimal returns while managing risk across diverse asset classes
- Debt Portfolio Leadership:
- Skillfully analyzed and managed First Capital Group's debt portfolio, including loans, bonds, and credit facilities
- Successfully handled debt refinancing initiatives, resulting in improved interest rates and terms, enhancing organization's financial position
- Banking Relationship Cultivation:
- Established and fostered productive relationships with banking partners, skillfully negotiating terms and ensuring cost-effective management of banking services
- Streamlined treasury operations, enhancing efficiency and financial performance
- Regulatory Compliance Assurance:
- Ensured meticulous compliance with regulatory requirements governing treasury operations, consistently upholding rigorous standards
- Produced precise and timely financial reports, providing senior management and stakeholders with accurate financial insights
- Strategic Capital Allocation:
- Contributed decisively to capital allocation decisions, particularly regarding fund allocation across subsidiaries and business units
- Aligned financial resource allocation with specific financial needs and strategic priorities, optimizing capital utilization
- Efficient Intercompany Transactions Oversight:
- Efficiently oversaw intercompany transactions and cash flows among First Capital Group entities
- Meticulously documented transactions and maintained strict adherence to transfer pricing regulations, ensuring financial transparency
- Comprehensive Treasury Policy Development:
- Formulated and upheld comprehensive treasury policies and procedures, establishing best practices, robust internal controls, and governance standards for treasury function
- Ensured organization operated in line with highest financial governance standards.
Education
Bachelor of Law - Law
University of The Punjab
Lahore, Pakistan01.2021
Associateship - Banking
Institute of Bankers Pakistan
Karachi, Pakistan01.2013
Master of Business & Information Technology - Finance
University of The Punjab
Lahore, Pakistan07.2008
Bachelor of Commerce - Commerce
University of The Punjab
Lahore, Pakistan05.2005
Skills
- Financial Analysis
- Budgeting and Forecasting
- Financial Modeling
- Investment Analysis
- Risk Management
- Financial Reporting
- Data Analysis
- **Financial Modelling & Dynamic Dashboard** Microsoft Excel
- **Financial Software:** Adaptive Insights, NetSuite
- **Data Analysis Tools:** Microsoft Excel, Power BI
- **Project Management:** Asana
- **HR and Payroll Software:** Preceda
- **Workspace Management:** Hybrid Hero
Certification
Candidate for CFA Level-1
Languages
English
Full Professional
Urdu
Native or Bilingual
Hindi
Professional Working
Punjabi
Professional Working
Timeline
Financial Analyst
Medicins Sans Frontier MSF Australia
08.2022 - 12.2023
Deputy Manager of Finance
Pakistan Water And Power Development Authority
02.2017 - 01.2022
Treasury Manager
National Bank of Pakistan, Islamic Banking Group
01.2014 - 02.2017
Treasury Analyst
National Bank Of Pakistan, Treasury Group
07.2011 - 01.2014
Treasury Officer
First Capital Group
03.2008 - 03.2011
Bachelor of Law - Law
University of The Punjab
Associateship - Banking
Institute of Bankers Pakistan
Master of Business & Information Technology - Finance
University of The Punjab
Bachelor of Commerce - Commerce
University of The Punjab
Candidate for CFA Level-1
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