Hi, I’m Muhammad Zubair, a senior finance leader with over 18 years of experience driving financial planning, operational control, and profitability within the automotive sector.

Biography

Senior Finance Manager with over 18 years of experience across Automotive, Industrial Equipment, Oil & Gas, and E-commerce sectors. CMA (USA) qualified, with deep expertise in financial governance, budgeting, forecasting, performance management, and operational finance within asset-intensive businesses.

Currently leading multi-branch financial oversight at Al-Futtaim Motors’ Commercial Vehicles division (HINO and TMHE), driving disciplined financial control, working capital optimization, profitability analysis, and executive-level decision support. Partner closely with commercial and operational leadership to strengthen financial transparency, enhance accountability, and support sustainable business growth.

Experience

Al Futtaim Motors
Jan 2021 Current

Commercial Vehicles | Finance Business Partner

Finance lead and first point of contact for all financial matters across Al-Futtaim’s Industrial Equipment and Commercial Vehicles portfolio, covering Sales, Service, and Parts operations of Hino Trucks, TMHE Forklifts, Hangcha Forklifts, Eicher Buses.
Elabelz.com
Jul 2020 Aug 2021

Finance Manager

Elabelz.com was a Middle East–focused e-commerce fashion platform for branded apparel and accessories. I established the finance function, led monthly close and financial reporting, and managed a 13-week rolling cash flow forecast to ensure liquidity alignment. I oversaw inventory valuation and optimization across fulfillment centers, automated landed cost processes to improve procurement efficiency, reconciled PAYFORT merchant accounts, and managed vendor contracts and payments to ensure compliance and financial control.
Sap & Kaps Petroleum
Dec 2012 Apr 2020

Finance Manager

Led project forecasting and financial control using Value of Work Completed and Cost at Completion methodologies to ensure IFRS 15–compliant revenue recognition and margin accuracy on multi-million AED projects. Managed treasury functions including cash flow forecasting, LCs, bank guarantees, and banking relationships to maintain liquidity. Strengthened credit management through reconciliations and improved payment terms, while supporting board governance, statutory filings, VAT submissions, and ICV compliance.

Education

University of Northampton
2016 2017

MSc. (Accounting and Finance)

Relevant Coursework: Financial Management, Audit, Corporate law, Economics, Research, Sales Management, Business Law, Strategic Management...
Institute of Management Accountants
2017 2018

Certified Management Accountants

Micro/Macro Economics, Financial/Managerial Accounting

Skills

Strategic Finance & Leadership

Financial Planning and Analysis
Strategic Business Partnering
YTG FORECASTING
Cost Optimization & Profitability
Investment Analysis
Performance Management & Margin

Operational Excellence

Working Capital Management
13-week Cash Flow Forecasting
Procurement & Supply Chain Finance
Internal Controls & Risk Management
Financial Reporting & Governance
VAT & CIT Compliance

Tools & Technology

SAP S/4HANA, SAP BPC
Excel (Pivot Tables, VLOOKUP, INDEX-MATCH)
Excel-based dashboards
Odoo ERP
Alteryx, Power BI
SQL, MS Access

Certificates

Institute of Management Accountants

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