Summary
Overview
Work history
Education
Skills
Languages
CORE COMPETENCIES
References
Timeline
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MUHAMMED NOUFAL

Dubai

Summary

Experienced finance professional with a proven track record of driving fiscal strategy, ERP system implementations, and corporate governance across the GCC region. Proficient in advanced MS Office tools, particularly Excel for complex financial modelling, statistical analysis, and localized business planning. Demonstrates strong capabilities in capital fundraising and cross-border performance management, with deep insights into regional regulatory frameworks, compliance, and market dynamics. A strategic problem-solver adept at budget planning, forecasting, and delivering actionable insights to optimize organizational performance and support executive decision-making in fast-paced Middle Eastern markets.

Overview

21
21
years of professional experience

Work history

Founder & Principal Consultant

IQSATH ACCOUNTING & AUDITING
2024.07 - Current
  • Established and scale a premier accounting firm, managing an active portfolio of over 200 clients across the UAE.
  • Provide strategic counsel on corporate governance, internal controls, financial structuring, and compliance frameworks.
  • Handled sensitive information with utmost confidentiality and professionalism at all times.
  • Advised clients on tax implications of their business decisions, aiding informed choices.
  • Provided bespoke tax planning solutions, maximising client benefits.
  • Streamlined tax processes, enhancing client experience.

Group Finance Manager

AGS LOGISTICS LLC
2020.03 - 2024.10
  • Oversaw financial operations for 25 group companies across the GCC with a total combined turnover of 500Mln.
  • Successfully led, mentored, and managed a team of 14 accountants distributed across 8 primary regional entities.
  • Standardized and implemented robust accounting policies and individual entity reporting structures across the group.
  • Successfully streamlined three years of scattered historical financial data, finalizing delayed accounts and generating accurate group-consolidated statements.
  • Optimized cash management and updated payment policies, yielding substantial, measurable improvements in group-wide cash flow.
  • Conducted regular on-site internal audits across GCC branches to safeguard cash management accuracy and policy adherence.
  • Partnered closely with Directors and C-level executives, providing regular financial intelligence and strategic analysis to drive business expansion.
  • Directed the generation of monthly forecasts, quarterly/annual budgets, and structured schedules for seamless external audits.

Finance Manager (Temporary Project Contract)

ELE INTERIORS & SECRET GARDEN LLC
2019.04 - 2020.01
  • Retained on a dual-company contract to realign accounting operations, manage year-end closing, and prepare transparent financial statements.
  • Supervised structural trial balances, general ledgers, age-wise AP/AR reports, and provided actionable MIS insights.

Finance Manager

FINACLE ACCOUNTING SOLUTIONS LLC
2018.04 - 2019.03
  • Managed outsourced financial functions, VAT compliance, and external audit readiness for 30 corporate clients in the UAE.
  • Prepared complex MIS reports, cash flow evaluations, and debtor reconciliations to maximize client financial health.

Chief Accountant / Finance Manager (GCC & India)

MOONWAY GROUP
2014.12 - 2018.03
  • Managed finances for operations generating a 250Mln turnover, successfully overseeing 130Mln in regional bank facilities.
  • Mitigated overutilization of bank facilities by strictly managing working capital metrics: DSO (100 days), DPO (120 days), and DIO (90 days).
  • Spearheaded a massive multi-country data migration, moving 4 years of historical financial data into a newly deployed ERP ecosystem.
  • Architected a completely new, clean Chart of Accounts to unify disparate financial reporting standards across four countries.
  • Traveled extensively throughout KSA, Oman, Qatar, and India to enforce internal controls, direct monthly closing, and present variance narratives to the CEO.

Branch Accountant (UAE, Hong Kong, Qatar)

ENGAGE SELECTION JLT (MACE GROUP)
Dubai
2011.03 - 2014.03
  • Managed financial finalization up to Balance Sheet for three core international branches, directly reporting to the Managing Director (50Mln turnover portfolio).
  • Selected to embed with the UK Head Office to master and deploy Coda Dream Accounting Software for the Middle East branch.
  • Successfully migrated 3 years of complex branch database records into the new ERP architecture.

Financial Accountant

JULPHAR DRUG STORE
Sharjah
2005.11 - 2011.01
  • Supervised day-to-day corporate ledger operations, AP, AR, and inventory accounting across 5 distinct UAE warehouses for a business with a 200Mln turnover.
  • Managed credit sales transactions and reconciliations with partnering commercial banking institutions.
  • (Note: Career break between April 2014 – November 2014 due to a temporary family emergency).

Education

Bachelor of Commerce (B.Com) - Accounting

University of Calicut
Kerala, India

Plus2 Commerce - Accounting

University of Calicut
Kerala, India

Skills

  • ERP Software: Oracle, QuickBooks, Coda Dream, and custom corporate financial packages
  • Core Systems: Oracle 9i, Windows Environment, Advanced MS Office (Highly proficient in Excel formulas and financial modeling)
  • IT system implementation
  • Capital fundraising
  • Financial management
  • Performance Management
  • Statistical analysis
  • Creative problem solving
  • Financial analysis
  • Business planning
  • Financial Forecasting
  • Corporate finance
  • Corporate governance understanding
  • Budget planning and forecasting
  • Decision-Making authority
  • Critical evaluation

Languages

English, Hindi, Malayalam (Fluent). Arabic (Read and write proficiency)

CORE COMPETENCIES

  • Strategic Financial Planning: Group Consolidation, Budgeting, Forecasting & Variance Analysis
  • Financial Operations: P&L, Balance Sheet Management, Cash Flow Optimization, Working Capital Management
  • Audit & Compliance: Internal & External Auditing (Big 4 background), Corporate Governance, Risk Management
  • Taxation: UAE VAT Accounting, Compliance, Reporting, and Return Filing
  • Treasury & Trade Finance: Bank Facilities Management, TR Processing, Bill/Cheque Discounting
  • Team Leadership: Managing multi-location, cross-border finance teams across GCC and India
  • Systems & Technology: Advanced MS Excel, ERP Systems (Oracle, QuickBooks, Coda Dream), Data Migration

References

References available upon request.

Timeline

Founder & Principal Consultant

IQSATH ACCOUNTING & AUDITING
2024.07 - Current

Group Finance Manager

AGS LOGISTICS LLC
2020.03 - 2024.10

Finance Manager (Temporary Project Contract)

ELE INTERIORS & SECRET GARDEN LLC
2019.04 - 2020.01

Finance Manager

FINACLE ACCOUNTING SOLUTIONS LLC
2018.04 - 2019.03

Chief Accountant / Finance Manager (GCC & India)

MOONWAY GROUP
2014.12 - 2018.03

Branch Accountant (UAE, Hong Kong, Qatar)

ENGAGE SELECTION JLT (MACE GROUP)
2011.03 - 2014.03

Financial Accountant

JULPHAR DRUG STORE
2005.11 - 2011.01

Bachelor of Commerce (B.Com) - Accounting

University of Calicut

Plus2 Commerce - Accounting

University of Calicut
MUHAMMED NOUFAL