Adil Akhtar has over 15 years of experience in finance, accounting, auditing, and management roles. He currently works as a Finance Manager in Islamabad, Pakistan, where he is responsible for a loan portfolio worth $60 million. Previously, he worked for 5 years as a Senior Auditor at Deloitte in Dubai, where he gained experience auditing banks, brokerages, construction companies, and oil and gas firms. He also completed internships with Schlumberger and the American University of Sharjah. Adil holds a Bachelor's degree in Business Administration and is working towards his CFA certification.

1. Adil Akhtar
Tel. Mob. +92-336-5290208
Email: adil1234@windowslive.com
Valid Driving License
OBJECTIVE
To obtain a suitable position in Financial Reporting / Management Reporting / Budgetary Control
Management / Strategy and Risk Management / Internal Audit / Compliance, where I will contribute my
experience and education in an environment which encourages growth, fosters excellence, rewards success,
loyalty and perseverance.
WORK EXPERIENCE
Finance Manager Islamabad, Pakistan
(Current)
Responsibilities
Loans and Advances Portfolio
 Independently looking after total corporate portfolio, worth Rs. 6 billion as at December 31,
2015.
 Preparation of Repayment Schedules on the basis of actual disbursements as well as Revised
Repayment Schedules in case of revision/ rescheduling/ restructuring.
 Project Accounting which includes their billing, adjustment of receipts there against, accrual
of Income on monthly, quarterly as well as annually basis
 Classification of Loans & Advances, Preparation of Provisioning Schedules under Prudential
Regulations.
 Preparation of Statement of NPL on a monthly basis and closely monitoring any changes for
updates.
 Preparation of Statements like Amounts Fallen Due, Dues/Over dues Statement and Aging of
overdue, Amounts Outstanding on monthly basis
 Routine Statements like Disbursements during the month, Receipts during the month for
Management Information System, Credit Administration Division, Corporate Finance Division and
for recording/accounting purposes
 Confirmation of Outstanding Balances to the borrowers & their Auditors as well
 Preparation of Schedules for SBP’s Inspection Team, External Auditors & JCR-VIS (a reputed
credit rating firm) related to Loans & Advances portfolio
 Furnishing eCIB reports of Saudi Pak’s Loans & advances portfolio on monthly basis to SBP’s
electronic Credit Information Bureau
 Preparation of detailed Statements of Accounts of Litigation cases showing total amounts
receivable for Lawyers, Honorable High Courts/Banking Courts as well as defends Saudi Pak’s
interest in the Honorable High Courts/Banking Courts
 Independently looking after Management Information Software related to Term Finance/loan &
advances portfolio.
 Co-ordinate with customers regarding their queries and disputes if any, and make efforts to
satisfied them keeping in view the interest of the Organization
 Data analysis & preparation of key points for ALCO committee

2. Foreign Currency Investments
 To issue call/demand letters for collection of quarterly/half yearly interest and pass necessary
accounting entries on receipts, roll over
 Maintained and looking after all Company’s Foreign Currency Saving accounts as well as monthly
reconciliation of Foreign Currency Saving account
 Payment of TA/DA (US$) to the Company’s Board of Directors and Officials at Board meetings as
well as on Foreign Tours & Trainings etc.
 Working of Exchange Gain/Loss arising on foreign transactions.
Budgeting
 Preparation of Financial budget of revenue and expenses on yearly basis as well as rolling budget
for the next 5 years.
 Preparation of CAPEX budget along with any operational budgets.
 Looking after Trial Balance as concern to Term Finance/loans & advances portfolio as well as
foreign currency transactions area etc.
Special Projects and Assignments:
 Provides expertise to Credit Administration Division regarding Accounting/ reconciliation/
Management Information System issues
 Independently running Computerized Loan & Advances Accounting System and Management
Information System of Term Financing of the Company.
 Provides expertise to Credit Administration Division regarding Accounting/ reconciliation/
Management Information System issues
Treasury Division:
 Area of Responsibility: Money Market Operation
 To prepare treasury related MIS statements to assist management in decision-making.
Deloitte Dubai, UAE
Senior Auditor (5 Years) August 2005 to July 2010
Responsibilities
During my tenure with Deloitte, I was responsible for all facets of audit and related assigned
engagements, from initial planning to the conclusion of examination and reporting, thereon. Moreover, I
was responsible for technical support in the implementation of Financial Audit Manual, New Audit
Methodology, and best practices in the field of audit and reporting.
 Preparation of financial statements in accordance with International Financial Reporting
Standards (IFRS) and International Accounting Standards (IAS);
 Constructing budgets, forecasts and longer term financial plans;
 Advising management on accounting, compliance and related technical matters;
 Planning, coordination and execution of the assignments;
 Analyzing financial and non financial information for internal and external analysis of the
company by studying market trends, competitor analysis etc;
 Review of accounting and internal control systems and suggesting improvement in procedures;
 Design and implementation of audit procedures to address audit and engagement related risks;
 Provide internal project leadership and supervision including development of audit plans and
internal communication of audit objectives to facilitate implementation of those plans;
 Interacting with client’s senior management, delegating and reviewing work of subordinates and
presenting completed jobs to Managers and Partners in Deloitte for review;
 Developing and performing substantive and analytical procedures to determine the
reasonableness / rationality of the financial statements’ assertions;
 Mentoring / training junior staff on business engagements to ensure high quality work performed
and ascertain the learning objectives of individuals are met;

3.  Frequent liaisons with the client at the planning stage, during the execution stage and at the
time of reporting stage of the audit;
I have been involved in various statutory audits, limited scope reviews and financial accounting and
reporting assignments of a diversified portfolio of clients. The most significant corporate clients that have
contributed to my professional growth include:
Banks
ABN AMRO Bank N.V. 2009 -2008
Mashreq Bank 2008
Commercial Bank International (CBI) 2007
Bank Melli Iran 2006-2005
Bank Saderat Iran 2007
 Statutory Audit, Group reporting, Central Bank Returns attestation
 Reviewed assignment comprising of high level analytical review &
corroborative enquiries
 Anti Money laundering procedures
 Engaged in the audit of all major specialized banking areas - Loans and
Advances (Credit Review) including determination of provisioning
requirement, Investments, Money Market and Forex Operations, General
Banking Operations.
 Review of statements of Minimum Capital Requirement (Capital Adequacy)
prepared by the bank in accordance with the directives of the Central Bank of
U.A.E.
Financial
Brokerage
Injazat Capital Limited 2009
Beltone Financial Services 2007
Federal Exchange 2009 -2007
 Statutory audit, DIFC Annual Returns Reports
 Anti Money laundering procedures
 Review of statements of Minimum Capital Requirement (Capital Adequacy)
prepared by the bank in accordance with the directives of the DIFC prudential
regulations.
 Engaged in a fraud investigation for the evaluation and reporting purposes
(Federal Exchange)
Construction
/ Real Estate
Dubai Contracting Company 2009-2008
Engineering Contracting Company 2008-2007
 Statutory audit
 Engage in the evaluation of internal controls over the construction project
such as revenue recognition under Percentage of Completion method,
 Determine the extent of compliance with the terms of the contract; verify the
propriety of amounts paid for construction; identify and qualify overcharges to
the construction project.
 Review of bid documentation; evidence of contractor and subcontractor
billings and approval of any change orders.

4. Oil and Gas
Alstom Power Services 2007
MI Production Chemicals 2008
Baker Hughes 2009
 Statutory audit, Group Reporting
 Engage in the evaluation of process controls both operational and financial.
 Prepared the group reporting pack, reporting on controls, financial and non
financial information.
SCHLUMBERGER Jakarta, Indonesia
Finance Internee June 2003 to August 2003
Apart from understanding the oil & gas service sector I assisted in the preparation of monthly reports,
reviewing the accounting policies and procedures.
AMERICAN UNVERSITY OF SHARJAH Sharjah, UAE
TA – Finance Department March 2003 to May 2005
Invigilation of assessment tests & Assistance with grading the tests and exams
QUALIFICATIONS
Particulars Institute Year Achievements / Highlights
CFA (USA) Certified Financial Analyst In
Progress
Sitting for CFA level II examinations
ACCA (U.K) Association of Chartered
Certified Accountants (UK)
2008 Passed all examinations of the Association
of Chartered Certified Accountants.
B.S.B.A American University of Sharjah
(UAE)
2005 Bachelor of Science in Business
Administration (Major in Accounting &
Finance) with a GPA of 3.57 / 4.0
A levels Al Nahda National school (UAE) 2001 3 Subjects
O levels Islamia English School
(UAE)
1999 10 Subjects
SKILLS
TECHNICAL PROFICIENCY
 Experience in Financial/IT Auditing (Both External and Internal Auditing) – Business Cycle Process
& General Computer Control Process Analysis, Interim and Year End Financial Statement Analysis,
Internal Auditing and bookkeeping functions.
 Financial Audit Areas – Cash, AR/Sales, AP/Expenses, Inventory, Fixed
Assets/Depreciation, Prepaid Expenses, Payroll, Treasury

5.  Business Process Areas – Procurement, AR/Revenue Cycle, HR/Payroll Cycle, Inventory
Management.
 Industry Focus: Banking, Manufacturing, Entertainment/Media, Technology, Real Estate, Retail,
Mining, Telecommunications, Oil and Gas.
 Analytical & problem solving capability through grasping complex situations quickly & perceiving
relationships to define viable solutions.
 Ability to work diligently, either independently or as part of a team
 Excellent Interpersonal, communicating & writing skills
 Good Planner, Listener, Initiator and Organizer
 Ability to prepare financial reports, statements, projections and analyze financial data.
 Possess in-depth knowledge of accounting, financing, budgeting and cost control principles.
 Possess good organizational and management skills and ability to achieve results.
IT PROFICIENCY
 Good working knowledge of the following accounting systems.
 SAP /R3
 BANK WARE
 BAAN
 PAGETREE
 ISCALA
 ORION
 ORACLE
 And other ERPs
 Well versed in the audit documentation programs such as Audit System 2.
 Attended the Deloitte Global Audit methodology (AS2) course in September 2005 and August 2009 held
at Crete Islands and Dubai respectively.
 Advanced user of excel and its functionality, capable of writing VBA scripts for EXCEL.
 Good skills in the use of Microsoft Office including all its components;
 Good knowledge of Internet and general computer usage with working knowledge of computer
languages such as C, C++, Visual Basic etc.
AWARDS & ACHIEVEMENTS
 Thorough understanding of legal documentation/process involved at different stages of
lending/borrowing cycle.
 Importance of coordination and concerted effort of various departments needed for recoveries
from NPL clients.
 Drafting of responses for observations/concerns raised by regulators (i.e. SBP, FBR etc.)
 The new capital rules to strengthen the banking sector under BASEL II & III.
 Completion of ACCA certification (ACCA member since May 2009)
 Comprehensive knowledge of International Financial Reporting Standards (IFRS) and International
Accounting Standards (IAS) and International Standards of Auditing (ISA).
 Exposure to various business sectors such as banks, financial brokerage, real estate / property
development, manufacturing and trading.
 Preparation of financial statements under IFRS and IAS.
 Preparation of financial analysis and management reports.
 Preparation of consolidation and group reporting for various audit clients.
 Review and compliance evaluation of reports to various authorities such as Central Bank Returns,
DIFC Returns.
 Compliance evaluation for US GAAP companies under Sarbanes-Oxley.
 Understanding of various accounting software and its functionality.
 Winner of June 2005, Academic Excellence Award from His Highness Sheikh Dr. Sultan Bin
Mohammed Al Qassimi, Ruler of Sharjah and President of American University of Sharjah.

6. ADDITIONAL INFORMATION
 I follow up on the stock markets and manage a portfolio of stocks for my family and friends.
 Attended seminar on “Basel III: The Capital Rules” in March 2015.
 Travelled extensively and have visited places which include United Kingdom, France, Germany, Italy,
Vienna, Switzerland, Greece and United Arab Emirates.
 I worked as a coordinator for guiding the fellow colleagues regarding audit methodologies of Deloitte
in Milestone Training Program (MP1 & MP2) (MAR 2008 - SEP 2009).
 Participated in various seminars on International Financial Reporting Standards and International
Standards on Auditing arranged by Deloitte.
 Conducted / attended In-House workshops organized by the firm on various financial reporting and audit
subjects. (AUGUST 2007,2008,2009)
 At University acted as the Treasurer for Pakistani Cultural Club.
 Participated in various charity events and blood donation drives back in school and university days.
 I play cricket, table tennis, billiards at leisure time with friends and colleagues.
 Obtained Second position in inter university table tennis, billiards and table football.
REFERENCES
 Lieutenant General (R) Munir Hafiez (Former MD, Fauji Fertilizer Co. Ltd.) Contact no.: 0333-
5297777.
 Major General (R) Salim Ullah (Former Ambassador to UAE) Contact no. : 0321-8431500.