Muhammad Bilal Blouch is a Certified Public Accountant with over 6 years of experience in accounting, auditing, and finance. He has worked for Deloitte in Pakistan, Abu Dhabi, and Saudi Arabia. Currently, he is the Manager of Accounts at Fazal Cloth Mills Limited, where he prepares financial statements, oversees accounts receivable and payable, and coordinates with auditors. Bilal holds a Bachelor's degree in Commerce and is pursuing the Chartered Accountancy qualification. He is proficient in IFRS, auditing standards, ERP systems, and data analysis tools.

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Muhammad Bilal Blouch
Address: 373-D Wapda Town Multan
Punjab Pakistan
Email: bilal.blouch@gmail.com
Tel: +923464342940
+971561805121
KEY SKILLS
 Six years of well-diversified experience includingover five years in Deloitte.
 Accounts handlingfrompreparation to finalization,financeand banks dealings.
 Financial Planning,Budgeting, Forecastingand Business Valuation includingDue Diligence.
 International Financial ReportingStandards (IFRS) and International Standards on Auditing(ISA).
 External auditing of trading, manufacturing, Power and construction companies, banking and Non-banking financial
institutions,internal auditingand Forensic auditing.
 ERP (Oracle),Sage Peachtree, QuickBooks,Tally and in-houseMIS Solutions.
PROFESSIONAL QUALIFICATIONS
Qualification Year Institute
Certified Public Accountants CPA Member The Institute of Certified Public Accountants of Pakistan
Chartered Accountancy (CA) CA Finalist The Institute of Chartered Accountants of Pakistan (ICAP)
Public FinanceAccountancy (APFA) Applied for membership Pakistan Instituteof Public FinanceAccountants (PIPFA)
Bachelor of Commerce (B.Com) 2006 Bahauddin ZakariyaUniversity Multan Pakistan
Professional Hands on experience Highlights:
 Review, preparation and compilation of financial statements (consolidated financial statements and separatefinancial
statements in multi-currency environments) in accordancewith International Financial ReportingStandards (IFRS) and
applicablelocal laws and providingassistanceon significant accounting and reporting issues i.e.recognition,
measurement and de-recognition of financial assets and liabilities, that inter-aliaincluded derivativefinancial
instruments i.e. forwards,options and swaps,preparation of fixed assetregister includingallocation of revaluation surplus.
 Supervision and Review of financial accounting record includingreviewof the books of accounts,ledgers of all classes of
transactions and accountbalances.Reconciliations of bank position,debtor and creditor aged listings.
 Development of Audit Plan in accordance with the firm risk based methodology, identifying key significant risk and area and
developing the auditprocedure to mitigate them and bringthem at an acceptablelevel.
 Assessment of control risk and designing the tests of controls for specific areas, map and/or review the risks and key
controls’plotting,risk mappingand risk analysisin consultation with the Engagement Partner and Director.
 System understanding and mapping out the controls against the identified risks. Rating the controls for their effectiveness
in design and designingout walk through tests and test of controls.
 Application of Audit Methodology usingthe relevant auditguide, ISA and Global Template Manager.
 Analysis of Financial Statements, performing preliminary analytics, designing the substantive procedures and ensure that
the execution of auditprocedure is made in accordancewith the planned documented.
 Discussions and communicating to the clients regarding the control weaknesses identified during the audit though
Management Letter.
 Able to deal with people atall levels in the organization - excellent communicator.
 Reporting to tight deadlines – motivatingmy teams to see itas a manageable challengeinstead of a cumbersome task.

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PROFESSIONAL EXPERIENCE
Fazal Cloth Mills Limited
Manager Accounts (April-2016 to Date)
Job Responsibilities
 Preparing& reviewing accounts (Stand-alone& consolidated annual,half year,quarter & management & statutory
accounts) as per requirements of IRFS & local laws. To prepare and finalizingtheAnnual Accounts in accordance
with the IFRS and local Laws
 Checking receivables positions,reportingto marketing department for timely recovery of due balances and Monitor
local & export sales of finished goods,timely invoicingto customers & review of monthly finished goods inventories
reconciliation.
 Monitors Accounts Payablesection for all local purchases,selection & creditlimits of suppliers,accuracy of supplier
invoices,payments made to suppliers,etc.
 Conduct reviews and evaluation of the costreduction opportunities,to maximize income and control costs as part
of the management team.
 Finalization of Standard OperatingProcedure (SOP) related to Receivable, Inventory, Order Management and
Export Financing.
 Prepare monthly financial reviews/budgets,monitors results versus objectives,highlightunderlyingreason for
variances and suggestcorrectiveactions wherever required.
 To handlecompany’s investment activates and manage its funds.
 Calculation of Exchange gain/losson Export debtors, commission and Exportexpenses.
 To co-ordinatethe External Auditors for the purpose of Annual Audit and Half Yearly reviews.
 To co-ordinatethe Internal Auditors regardingvarious accountingand tax matters.
Deloitte – Abu dahbi, Deloitte Al- Khobar
During my professional career with Deloitte Pakistan, I have been seconded to Deloitte Abu Dhabi Office UAE and Deloitte Al-
Khobar offices KSA , from January 2014 to April 2014, January 2015 to May-2015 and December 2015 to March 2016. Deloitte
& Touche (M.E.) is the Middle East member firm of Deloitte Touche Tohmatsu (DTT), one of the world’s top tier leading
professional services firms. It is the longest established professional services firm in the Middle East region with uninterrupted
presence for over 80 years.
Major Clients– Deloitte M.E Offices
 NPC Arabtec Construction LLC
 AJECOBOND Aluminum Panels LLC ( Al-Jabar Group)
 Al-Rihab Investment Services ( Al-Jabar Group)
 China Comservices FZ LLC
 Al- Wathba Massar Solution LLc
 Al-Jabar Ready Mix LLC ( Al-Jabar Group)
 EMKE Lulu Group Supermarkets and Hypermarkets LLC ( LULU Group)
 Al-Dar Lang-o-ruck Construction LLC (Al-Dar Group)
Deloitte Touche Tohmatsu (DTT) Deloitte Yousuf Adil Pakistan)(Oct 2010 to March 2016)
Deloitte is the largest professional services network in the world by revenue and by the number of professionals. Deloitte
provides audit, tax, consultancy, enterprise risk and financial advisory services with thousands of professionals.
During my stay at Deloitte Touche Tohmatsu (Deloitte Yousuf Adil. Chartered Accountants), I was remained as Audit
Supervisor from Dec 2014 to March 2016 and remaining Period was as Trainee Student of ICAP Mandatory Articles Ship,
followingmajor sectors and clients were covered in various assignments

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STATUTORY AUDITS:
 Textile Weavingand Spinning
 Engineering & Construction
 Electricity transmission and Distribution companies
 Fatima Fertilizer Company Ltd
 Financial Institution,Bank of Punjab and National Bank of Pakistan
 Atlas Copco Pakistan PrivateLimited
 Fatima Sugar MillsLtd ( Cost Audit)
INTERNAL AUDITS & SPECIAL ASSIGNMENTS
 Agritech Limited (Internal Audits)
Carried out internal audit of trading operations and treasury cycles, Budgeting, Financial Reporting process and Costing
process. Human Resource Cycle’s Compliance for the recruitment of personnel in the corporation and assurance that
policies of the company have been duly followed in these recruitments. Prepared management reports indicating
system weaknesses and non-compliances, their implications and recommendations for preventive and corrective
measures.
 Forensic Audit
Engaged in the Forensic Audit of Pakistan Railway, my responsibilities includes to review the process of specific lease of
Royal Palm Golf Club, and prepare the detailed report on flaws in tendering proces s and lease rentals. I was also
engaged to review the process of budgeting of the Railways and its related study of codes and manuals, and preparing
the report on Budgeting process and deviation from codes and manuals .
Professional Development Courses:
Attended various in-housetrainingworkshops including:
 Trainingcourses on International AuditApproach of Deloitte includingapplication of AuditMethodology.
 Attended various trainingcourses on auditsoftwareof Deloitte Touché Tohmatsu (AS/2) in different offices of DTT.
 Courses on Deloitte Global Ethics and Independence.
 Attended seminars and workshops organized by the Instituteof Chartered Accountants of Pakistan
 A computer based courserequiringknowledge of IFRS and practical application of International Accounting Standards
IT PROFICIENCY
 High Skill level in MicrosoftOfficeand OracleR-12
 Spreadsheet analysis usingMicrosoftExcel.
 Course of Computer Practical Training(CCPT) from the ICAP.
 Proficientin operatingComputer assisted audittechniques (CAATs)
 Deloitte’s Audit system software (AS-2).
PERSONAL
 Date of birth: July 15, 1984
 Father’s Name: Haji RiazAhmad Khan
 Nationality:Pakistani
 Religion:Islam
 Languages: English,Urdu, Punjabi,
REFERENCES
Will beprovided on request.