Finance Manager

Banking and finance professional with over 10 years of progressive experience across structured and project finance, corporate credit analysis, financial planning and analysis (FP&A), receivables and collections management, and business development. Currently based in Riyadh with a transferable Iqama and immediate availability. Structured, underwrote, and managed funded and non-funded credit portfolios exceeding SAR 275 million (PKR 20 billion equivalent) spanning project finance, syndicated lending, working capital, asset-backed lending, and Shariah-compliant facilities. Skilled in end-to-end credit underwriting, three-statement financial modelling, DSCR and debt-sizing analysis, IFRS 9 Expected Credit Loss (ECL) provisioning, budgeting and variance analysis, DSO and collections improvement, covenant monitoring, and regulatory reporting. Strong command over IFRS, U.S. GAAP and SAMA regulations.