1. Syed Mustafa Gardezi
M.Com, CPA, ICAEW- UK (Part qualified)
Dubai - UAE
+971 556679004
Mustafagardezi@Hotmail.com
OBJECTIVE
Interested in a senior level position in areas of Accountancy and Finance wherein my experience and professionalism will be fully utilized.
AREAS OF EXPERTISE
 Operational Management  Cost Control  Excellent Analytical Skills
 Planning and execution of the plans
 Outstation Management
 Accounting, Audit & Financial
Operations
 Control Systems Design &
Implementation
 Credit Risk
 Office Administration
 Good Interpersonal Skills
 Budgeting & Forecasting
 Funds Management
 Payroll Management
EXPERIENCE
Firefly FZ LLC Nov 2010 – till date
Dubai - UAE
Finance & Admin Manager
Firefly is an award winning digital agency that provides a complete range of digital media solutions including social media, web design and
development, 3d animation and e-commerce platform execution. Key clients include, Emirates, Panasonic, Accor and Mercedes-Benz'
 Led financial operations of firm- Directed, planned, and supervised finance department
 Continues review and observe the financial statements. P/L and Balance Sheet).
 Review, analyse the financial records and make continues efforts for the improvement and discuss the
observations with MD and Group Chairman.
 Fiscal management – Planned, organized and managed monetary functions including financial reporting.
 Management of entire Payroll of Dubai office and subsidiary in India, Including reconciliations, Employee
expenses and allowances.
 Demonstrated financial leadership as part of the Senior Management initiatives for long term strategy.
 Part of organization’s operational planning team.
 Direct and Implement Company financial planning and budget management functions.
 Responsible for benchmarks for measuring the financial and operating performance.
 Monitor and analyze monthly operating results against budget.
 Ensure financial records are maintained in compliance with accepted policies and procedures.
 Manage financial obligations and controls of subsidiary companies and branches.
 Manage the preparation of the annual report of actual revenues, transfers, and expenses.
 Played a leading role in the set up and management of a successful offshore operation in Kerala, India
(Outstation).
 Serve as primary legislative liaison relative to company financial issues.
 Direct financial audits and provide recommendations for procedural improvements.
 Expertise in setting up the new business an also in complete liquidation procedures.
 Initiated high level relationships with Finance teams across Firefly's portfolio of clients and successful renegotiated payments
terms on a number of occasions.
 Supervises and directs the work activities of collection personnel to accelerate the liquidation of accounts receivable and cash
collected.
 Ensure a customer’s Account Receivables balance is consistent with their assigned credit line and ability to pay.
 Maintain and improve compliance with the Credit and Collection Policy and procedures, in accordance with the company.

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 Managing the financial obligations and controls of the subsidiary company and its branches independently across borders.
 Manage the preparation of financial outlooks cash flow projections and financial forecasts.
 Designed and implemented organizational structure to accomplish the department's goals and objectives.
Standard Chartered Bank Mar 2010 – Nov 2010
Dubai, UAE
Consumer Banking Officer
 My responsibility is to safeguard the risk factor of the bank and ensure timely recovery of the loan instalments.
 Use my interpersonal and communication skills to generate referral business, leads, and relationships with individuals, existing
clients, past clients, and Real Estate Professionals.
 Take thorough and complete loan applications; analyze and prequalify applicant information to determine viability of the client's
desired loan program. Pull credit, analyze credit, and compare for accuracy with the mortgage borrower's statements. Correct
inaccuracies and determine the correct loan options for the borrower based upon the applicant's present situation, future plans,
and preferred loan product.
 Provide guidance and information relevant to the risks and benefits of each program the applicant is qualified for; effectively
explain and communicate the terms of each product and ensure all documents necessary are signed by the borrower.
 Maintain and Sustain relationship by Calling on existing and potential customers in order to retain existing accounts, as well as
develop new accounts.
Interview applicants to develop information regarding their product needs and determine appropriate product, terms, and
pricing.
 Evaluating client loan eligibility and Loan transfer value perform other calculations like debt burden ratio (DBR).
TSS (Total Security Services Limited) April 2006 – March 2010
England - UK
Assistant Financial Controller
 Worked Assistant Financial controller in one of the Leading Security Company in the UK, with an annual turnover of more than
GBP 70m.
 Responsibilities include reporting and analytics to the department Management.
 Responsible for management of ongoing financial cycle, budgeting cost controlling, management accounts.
 Manage the finance of branch offices in Bristol and Birmingham.
 Management of payroll of 2000 employees, Including Collation, Reconciliation, recording and expedite all employee expenses.
 Management of PAYE, Tax sales, purchase and general ledger reconciliations and undertake annual audit procedures.
 Involved in Production of accounts, audit procedures budgeting, forecasting and financial analysis.
 Management of the ledger department, and all other accounting related activities.
 Establish and review chart of account in the system use as to correct classification.
 Advise management about an issue of controlling expense, increasing income.
 Ensure that internal control to safeguard asset of the company is effective.
 Preparing annual reports to regulators for licenses and compliance.
 Credit Risk Management of Tesco’s, Boots and Waitrose in head office at London.
 Manage the account opening process by implementing a qualitative process to enable the credit vetting, detailed analysis of
customers financials statement, assess affiliated country risk, industry risk & exchange risk, review KYC and customer credit risk
score card model to extend credit facility and set up appropriate credit limit.
 Monitor & audit all debtor accounts books to ensure timely collection of receivables, reconciliation and allocation of payment and
resolution of old/disputed items.
 Periodically review and ensure compliance of the Corporate Credit Policy through regular debtor review in order to ensure that all
credit dues are fully received within the credit period and any loss due to bad debts are adequately controlled.
 Preparing periodic Forecasted Cash Budgets based on Business turnover, payment / credit terms, average DSO, and working
capital requirement.
 Preparing Write Off cases for irrecoverable debts getting approved.
 Conduct monthly debt review meetings with FC, FD & MD to share credit management update on critical clients where business
is exposed due payment delays, long outstanding’s, pending disputes, credit limits, collateral levels and any other issue which is
directly or indirectly become potential risk for business.

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Hyderbhimji & Co. Chartered Accountants Sept 2005 – Jan 2006
Pakistan
Audit Assistant (Trainee)
 During training my basic tasks were as follows:
 Providing audit and accounting services to corporate and individual clients
 Accounts preparation for sole traders, partnerships and limited companies
 Assisting in planning and performing audits
 General booking work and tax computations
 Corresponding and liaising with clients
 Assisting with the preparation of statutory returns
 Preparing financial statements
 General ledger reconciliation and postings
EDUCATION AND ACHIEVEMENT
ICEAW (Institute of Chartered Accountants of England & Wales) 2006 to Present
CPA 2015
Advance Diploma in IT 2008
Masters in Commerce (M.Com-Accounting & Finance) 2005
I was awarded as the Best individual Presenter in the project of Financial Management.
My group was also awarded as the Best Group Presentation in the Project of Financial Management.
Managed the monthly receivables of GBP 5.50m (from Blue Chip Organizations like, Tesco, Boots) at TSS London
Managed to recover the monthly doubtful receivables of AED 0.5m in a span of two weeks at SCB.
Anti-Money Laundering & Terrorist Financing by Standard Chartered Bank Passed in July 27, 2010.
Communicating the Value Proposition by Standard Chartered Bank Passed in July 04, 2010.
Consumer Banking by Standard Chartered Bank Passed in July 04, 2010.
International English Language Testing System (IELTS) General Training passed in Feb 09, scored 6.5 bands.
Importance of Human Resource Management in the organizations held on September 28, 2004 (Arranged by me as a
management team coordinator).
Understanding & Implementing ISO 9000:2000 Version (Training Program) held on June 10, 2004 under National Productivity
organization (NPO) & PNAC.
SKILLS
Expert in:
MS Office (Word, Excel, Powerpoint, Internet Explorer and Outlook)
Sage Line 50, Sage Payroll, Pegasus Opera, Quick Book, Basic Oracle, Zoho books, Emirates Empower, Wave, Focus, Peoplesoft and
Time Gate
LANGUAGES
English, Urdu, Punjabi, (Read, Write, and Speak)
PERSONAL DETAILS
Date of Birth : Jun 1983
Nationality : Pakistani
Visa Status : Employment Visa
Driving License : Valid UAE & UK DL
Marital Status : Married with one kid
REFERENCES
Available on request