Hafiz Muhammad Jamal
Dubai
Summary
Strategic and results-driven Treasury Accountant with 7 years of progressive experience managing corporate liquidity, cash flow, and financial risk for mid to large-sized organizations. Demonstrated expertise in cash management, bank reconciliation, forecasting, and compliance with internal controls and financial regulations. Adept at improving working capital efficiency, minimizing banking costs, and enhancing accuracy in financial reporting. Proficient in utilizing ERP systems such as SAP and Oracle, along with treasury platforms, to streamline operations and boost transparency. Strong collaborator with cross-functional teams, including finance, audit, and compliance, to drive informed decision-making and protect corporate assets with precision and timeliness.
Overview
9
9
years of professional experience
6
6
years of post-secondary education
Work History
Accountant- Treasury
Union Coop Hypermarket
Dubai
06.2020 - 05.2025
- Supervised and directed all branch-level financial operations, including cash flow, petty cash, and frontline staff oversight.
- Prepared and analyzed monthly financial statements, income reports, and profit & loss accounts.
- Reconciled bank statements, cash receipts, and supplier account balances.
- Monitored sales activity, tracked daily revenue, and ensured accurate journal entries.
- Coordinated with internal and external auditors to support regular audits and maintain compliance.
- Managed branch budgets, controlled operating expenses, and proposed cost-saving initiatives.
- Oversaw inventory accounting in collaboration with inventory control teams.
- Led cross-functional coordination between the finance team and branch operations to enhance workflow efficiency and resolve financial discrepancies in real time.
- Improved month-end closing accuracy and speed by implementing streamlined reconciliation processes.
- Reduced financial discrepancies by 30% through improved internal controls and regular audits.
Checking Clerk
Union Coop Hypermarket
Dubai
02.2019 - 05.2020
- Verified supplier invoices against purchase orders, delivery notes, and Goods Received Notes (GRNs).
- Ensured accuracy of pricing, quantities, and discount details across all invoices.
- Communicated with suppliers to resolve invoicing discrepancies and disputes.
- Investigated and resolved issues related to quantity or quality variances.
- Maintained accurate documentation of verified invoices for audits and compliance.
- Coordinated with procurement and accounts payable departments to ensure timely vendor payments.
- Supported month-end close processes by providing required documentation and reconciliations.
- Reported billing irregularities to branch management for prompt investigation and resolution.
- Identified and corrected invoice discrepancies amounting to significant cost savings.
- Reduced supplier payment delays by 25% through improved invoice processing efficiency.
Cashier
Union Coop Hypermarket
Dubai
07.2016 - 01.2019
- Operated Point-of-Sale (POS) systems to accurately process customer purchases and transactions.
- Handled cash, credit/debit payments, refunds, and exchanges in line with company guidelines.
- Delivered outstanding customer service by resolving inquiries and addressing concerns efficiently.
- Ensured compliance with company procedures related to sales transactions and cash handling.
- Collaborated with floor staff to provide a seamless and efficient checkout experience.
- Followed anti-theft procedures, including validating high-denomination bills and monitoring unusual activity.
- Processed various currencies and alternative payment methods in international and tourist-heavy environments.
- Counted and balanced cash drawers at shift start and end to maintain transaction accuracy.
Education
Master of Commerce - Accounting
University of Management & Technology
Lahore, Pakistan 11.2013 - 12.2015
Bachelors in Commerce - Accounting
University of Sargodha
Lahore, Pakistan 07.2010 - 06.2012
High School Diploma -
Punjab Group of Colleges
Lahore, Pakistan 03.2008 - 02.2010
No Degree - Short Course
Oxford Home Studies
Microsoft Office Management - Short Course
University of The Punjab
Lahore, Pakistan 07.2013 - 10.2013
Computerized Accounting - Short Course
Bridge Education System
Lahore, Pakistan 04.2013 - 06.2013
Skills
- Full-Cycle Accounting
- Journal Entries
- Cash Management
- Treasury Management
- ERP Systems
- Oracle JDE
- CMA
- Invoice Processing
- Supplier Liaison
- Financial Reporting
- Reconciliation
- Inventory Control
- Variance Analysis
Languages
English
Urdu
Hindi
Punjabi
Basic Arabic
Uae Driving License
Valid
Visa Status
Cancelled - Available to join Immediately
Timeline
Accountant- Treasury
Union Coop Hypermarket
06.2020 - 05.2025
Checking Clerk
Union Coop Hypermarket
02.2019 - 05.2020
Cashier
Union Coop Hypermarket
07.2016 - 01.2019
Master of Commerce - Accounting
University of Management & Technology
11.2013 - 12.2015
Microsoft Office Management - Short Course
University of The Punjab
07.2013 - 10.2013
Computerized Accounting - Short Course
Bridge Education System
04.2013 - 06.2013
Bachelors in Commerce - Accounting
University of Sargodha
07.2010 - 06.2012
High School Diploma -
Punjab Group of Colleges
03.2008 - 02.2010
No Degree - Short Course
Oxford Home Studies
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