1. 1
UMAIR KARIM
Email: umair.karim01@gmail.com
Financial Reporting / Accounting / Financial Analysis
CAREER PROFILE
Experienced and proactive finance professional with analytical expertise. Having Life Insurance
background has helped developing strong knowledge of IFRS reporting standards & management
accounting.Self-drivenandself-reliant,setsaimsandtargetsandleadsbyexample.Distinctive ability to
design strategies to maximize the profitability and to redefine processes for improving operational
efficiencies.
TECHNOLOGY PROFIENCIES
Software: Excel, Word, Lotus notes, Power Point.
ERP: Atiens (Penta Soft), SAP FICO
CAREER OVERVIEW
01/2014 till present
Deputy Manager – Finance & Accounts, Pak-Qatar FamilyTakaful Limited (IslamicLife Insurance)
Reportingto AssistantGeneral Manager - Finance & Accounts
Responsibilities:
Supervision of the company’s receipting section.
Lead the activities for trial balance finalization.
Analysis of the revenues and expenses for unusual trends and the reasoning of variances.
Coordination with different functions/departments for smooth closure of books of accounts.
Responsible for monthly management reporting and quarterly/half yearly/annual financial
reporting and the half yearly review and annual audit of financial statements.
Responsible for coordination with rating agencies and external auditors to ensure smooth
disposal of theirqueries&questionnairesandensure timelinessin obtaining final deliverables.
Regular meetings with stakeholders within the organization to brief them on progress of
external audit and to address the auditors' queries.
Preparation of management reporting packs with graphs and presentations of areas of
investment, revenue, operational expenses and workforce.

2. 2
01/2012 till 12/2013
Assistant Manager – Finance & Accounts, Pak-Qatar FamilyTakaful Limited(Islamic Life Insurance)
Reportedto SeniorManager - Finance & Accounts
Responsibilities:
Analyzing investment opportunities for the shareholder fund and other statutory funds
maintained by the company. Analysis included compliance with the company investment
guidelines as well as those issued by the Shariah Advisor.
Negotiation/dealings with Islamic banks for best possible expected profit rates for the term
depositsandthe savingaccountsmaintained.The key part was to ensure that the maturities of
term deposits are in line with the company liquidity requirements, crucial for any
Takaful/Insurance company.
Negotiations/dealingswithotherfinancial institutionsi.e. sukuk brokers, equity broker and the
asset management companies, to invest the available funds.
Reconcilingthe separatelymaintainedinvestmentrecordwiththe general ledger, ensuring that
both are on equal footing with respect to cost, income & receivables.
Responsible for coordination with rating agencies and external auditors to ensure smooth
disposal of theirqueries&questionnairesandensure timeliness in obtaining final deliverables
under supervision of financial reporting senior.
Preparation of management reporting packs with graphs and presentations of areas of
investment, revenue, operational expenses and workforce.
12/2010 till 12/2011
SeniorExecutive - Finance & Accounts, Pak-Qatar Family Takaful Limited (IslamicLife Insurance)
Reportedto SeniorManager - Finance & Accounts
Responsibilities:
Recordingall provisionalreceipts on a daily basis as an evidence of contribution received from
branches across Pakistan.
Following a certain process, issuance of final receipts via the operation department to the
participants as confirmation of contribution received.
Maintainingproperaccountof each corporate customerwith respect to its billing, contribution
receivedandamonthlypresentationof accountsreceivable agingtothe concerneddepartment
for the corporate customers.
Bank account reconciliations of contribution collection accounts.
Fixed Asset Accounting.

3. 3
11/2009 till 11/2010
ManagementTrainee - Finance & Accounts, Pak-Qatar FamilyTakaful Limited (Islamic Life Insurance)
Reportedto Manager - Finance & Accounts
Responsibilities:
Processing payments request, ensuring compliance with the financial authority manual.
Active coordination with internal audit department, helping them with their queries against
payments requested by various departments.
Assessingthe payment’snature toensure thatthe ledgerentriesare postedaccurately,i.e.in to
the correct general ledger account.
EDUCATIONAL QUALIFICATIONS
05/2012 – 05/2015
Advanced Diplomain ManagementAccounting, (CIMA,UK)
Was honoredbyCIMA withan award to have achievedthe jointhighestmarksinthe world (89%).
12/2009 – 12/2010
Bachelors in Commerce, University of Karachi
2nd
Division
07/2007 – 12/2010
ACCA, Association of Chartered Certified Accountants (UK)
Member.
Certificate of achievement in paper F3 (Financial Accounting)
PERSONAL DETAILS
Address:154 BlockA, S.M.C.H.S, Tel (Work) directline +9234327008
Karachi,Pakistan,75400 Tel (Private) +9234313791
Nationality:Pakistan Tel (Mobile) +923222249277
Marital Status: Single
Date of Birth: 16/11/1987
REFERENCE
Will be furnisheduponrequest