Open to opportunities

Usman Rafiq

@usmanrafiq

Message

I am a strategic finance leader and CFO driving profitability and ERP-driven efficiency.

Pakistan

Message

What I'm looking for

I seek a senior finance leadership role where I can drive strategic planning, ERP-led transformation, strong governance, and measurable profit and cash-flow improvements in a collaborative environment.

I am a highly motivated finance professional with over nineteen years of experience leading and developing finance systems and teams to deliver measurable results.

As Chief Financial Officer (Mar-2024 to date) I directed all financial operations, led cash flow planning and implemented a comprehensive ERP system to enhance data accuracy and reporting efficiency.

Previously, as Regional Finance Lead at The City Schools Group, I oversaw accounts, finance and planning functions for 25,000 students across 43 schools, developed forecasting models, and drove cost optimization and revenue stability.

I have strong international and sectoral experience, having led finance functions at Infinnova, U-Tell and others, delivered IFRS-compliant reporting, recovered significant receivables, and consistently implemented ERP and internal control improvements to support strategic growth.

Experience

Work history, roles, and key accomplishments

Current

Chief Financial Officer

Current

Mohamad Amin Bros (Pvt) Ltd

Mar 2024 - Present (1 year 5 months)

Directed all financial operations, implemented a comprehensive ERP to improve reporting accuracy, and led cash flow planning and cost-optimization initiatives to enhance profitability.

Financial Planning ERP Implementation Cash Flow Management Budgeting Financial Analysis Cost Optimization Corporate Governance Team Leadership

Regional Finance Lead

The City School

Mar 2022 - Mar 2024 (2 years)

Oversaw finance, planning and analysis for the Central Region covering 25,000 students across 43 schools; developed forecasting models and financial strategies to improve stability and decision-making.

Financial Modeling Budgeting Forecasting P&L management Cash Flow Management ERP Financial Reporting Stakeholder Management

Team Lead Finance

Smart Schools Network

Sep 2020 - Feb 2022 (1 year 5 months)

Developed financial policies and SOPs, designed and implemented ERP modules, and supervised budgeting, procurement and receivables across ~360 franchise schools to optimize financial performance.

Financial Policies ERP Budgeting Cash Flow Management Tax Planning Procurement SOP Development

Senior Manager Revenue & Budgets

The City School

Mar 2020 - Aug 2020 (5 months)

Managed billing and collections, monitored receivables and ageing, and finalized the annual fee structure and company budget to improve cash recovery and provisioning.

Billing Collections Budgeting Financial Reporting

Senior Manager Finance

The City School

Feb 2019 - Mar 2020 (1 year 1 month)

Managed accounts and audit for the Northern Region covering 15,000 students; led annual budgeting, working capital management and branch audits to improve recoveries and profitability.

Budgeting Working Capital Internal Audit Financial Reporting Strategic Planning Cost Control

Manager Accounts

The City School

Sep 2015 - Jan 2019 (3 years 4 months)

Implemented and configured Oracle Financials R12, led monthly and annual closings, managed treasury and cash forecasting, and maintained banking relationships and budget variance analysis.

Month End Close Treasury Management Cash Forecasting Banking Relationships Budgeting Internal Controls Financial Statements

Head of Accounts and Finance

Infinnova Technologies F.Z.C

May 2011 - Aug 2015 (4 years 3 months)

Led finance function including cash and investment management, IFRS-compliant reporting and internal controls, and oversaw design and rollout of a branchless banking solution and accounting systems.

IFRS Cash Management Financial Reporting ERP Implementation Budgeting Internal Controls Financial Modeling Treasury

Senior Manager Finance

U-Tell FZC

Dec 2009 - Apr 2011 (1 year 4 months)

Revamped accounting for three GSM operations, developed a credit-control system and recovered USD 5 million of outstanding receivables to strengthen cash position.

Credit Control Financial Reporting Cash Management

Senior Manager Finance

Turnotech (Pvt.) Ltd

Sep 2008 - Dec 2009 (1 year 3 months)

Established finance and administrative controls for a new location, implemented accounting software, and produced timely monthly, quarterly and annual financial reports and budgets.

Accounting Systems Budgeting Financial Reporting Treasury

Financial Consultant

Warid Congo S.A

Jan 2008 - Aug 2008 (7 months)

Reviewed accounting for Aug 2006–Dec 2007, produced full balance-sheet reconciliations, designed an OHADA-aligned chart of accounts and developed daily sales and collections reports.

Account Reconciliation OHADA Financial Reporting Fixed Assets Register Reconciliations

Audit Supervisor

Akhtar Mahmood Mian Chartered Accountants

Jan 2004 - Dec 2007 (3 years 11 months)

Planned and supervised audits, identified material control weaknesses and provided accounting services including reporting for World Bank–sponsored irrigation projects.

Internal Controls Staff Supervision Financial Reporting NGO Reporting SBP Regulations Accounting Systems

Assistant Accountant Officer

Skans School of Accountancy

Jun 2003 - Dec 2003 (6 months)

Supported accounting operations, assisted with month-end closings and maintained reconciliations to ensure timely and accurate financial records.

Accounting Reconciliations Ledger Maintenance Month End Close

Education

Degrees, certifications, and relevant coursework

Association of Chartered Certified Accountants (ACCA)

ACCA, Accounting

Completed the Association of Chartered Certified Accountants professional qualification in 2007, demonstrating competence in advanced accounting and financial reporting.