Treasury Manager | Senior | Cash Management, Trade Finance, Banking

Group Treasury Manager with 26 years and 2 months of experience across treasury management, accounting, banking, trade finance, financial reporting, IFRS/IAS, and VAT compliance. At United Motors Company, manage multi-billion-SAR credit facilities exposure at group level and support liquidity, funding, banking, and financial reporting activities. Strongest value proposition: improving funding visibility, supporting proactive liquidity decisions, optimizing banking costs, and maintaining accurate treasury and accounting controls.

Core Skills

• Treasury management & treasury reporting
• Cash position, liquidity control, and cash-flow forecasting
• Funding oversight, credit facilities, debt maturities, and facility compliance
• Banking relationships, bank accounts, reconciliations, and payment controls
• Trade finance, foreign import LC, Incoterm & amendments
• FX- spot transactions
• Financial reporting, month-end closing, accruals, prepayments, and amortization schedules
• IFRS/IAS requirements and ZATCA VAT compliance
• Accounts payable, accounts receivable, collections, ageing reports, and payment forecasts.

Experience & Achievements

Measurable Achievements

• Contributed to approximately SAR 1.5 million in recurring annual savings through banking negotiations, funding optimization, overdraft management, and bank fee restructuring.
• Receivables & Collections SAR 500 million: Supported collections improvement & introduced structured, ageing-based collection follow-ups and payment commitments to strengthen receivables & support cash conversion.
• Supplier Payment Negotiation Management: In times of cash constraints, proactively communicated with regular local service providers, to negotiate payment deferrals and arranging partial settlements helped manage cash outflows of approximately SAR 1 million without business disruption.
• ERP Migration & Data Integrity: Led the finance-side transition from Auto Plus to Kerridge Autoline.

United Motors Company

Group Treasury Manager | Jan 2020 – Feb 2026 | Riyadh, Saudi Arabia

• Managed multi-billion-SAR credit facilities exposure and prepared regular facility reports for management across the group, including facility limits, utilization, available headroom, and debt maturities across banking portfolios.
• Prepared daily cash visibility reports by monitoring bank balances, collections, disbursements, and debt maturities to support proactive funding decisions and timely financial commitments.
• Reviewed facility agreements, financing structures, interest spreads, financial ratios, and covenant requirements; coordinated negotiations to secure favorable financing terms.
• Managed foreign import Letters of Credit, including sight and deferred LCs, ensuring LC terms, Incoterms, and amendments aligned with vendor contracts.
• Executed FX spot transactions with competitive negotiated rates.
• Maintained active relationships with banking partners to coordinate facility requirements and support day-to-day treasury activities.
• Supervised online banking, vendor and intercompany payments, SADAD transactions, payment verification, and authorized bank signatory activities.
• Oversaw bank account administration, online banking access and activation, bank reconciliations, interest accruals, and financing schedules.
• Coordinated with internal and external auditors on treasury-related records, supporting documentation, and compliance requirements.

Senior Financial Specialist | Jan 2000 – Dec 2019

• Performed month-end closing activities, prepared closing entries, and supported financial statement preparation to ensure accurate and timely reporting.
• Maintained several month end schedules across operating expenses, employee benefits and respective adjustment entries.
• Performed bank reconciliations and maintained loan, interest, and accrual schedules across multiple banking facilities, including treasury transactions.
• Processed supplier invoices through three-way matching against purchase orders, contractual terms, and Goods Receipt Notes (GRNs). Conducted reconciliations, ageing reports, payment forecasts and schedules.
• Monitored outstanding receivables, followed up on overdue accounts, reconciliation & reviewed credit limits and exposure. Prepared AR ageing reports, collection forecasts & escalating high-risk accounts and focusing on KPIs such as DSO, overdue receivables rate, and collection rate.
• Applied relevant IFRS/IAS requirements and ZATCA VAT compliance procedures across accounting transactions, ledger maintenance, and month-end closing activities.

I am open to Senior Treasury and Finance Professional opportunities where I can leverage my experience to optimize cash and liquidity, reduce financing costs, strengthen banking partnerships and enhance overall financial performance