Muhammad Usman Zia
Spring,TX
Summary
Detail-oriented and results-driven Financial Analyst with a strong background in financial modeling, market research, and strategic decision-making. Proven ability to develop sophisticated financial models, conduct comprehensive data analysis, and provide actionable insights to enhance portfolio performance and business efficiency. Experienced in collaborating with cross-functional teams to identify risks, optimize investment strategies, and improve operational processes. Proficient in tools such as Power BI and MS Office, with certifications in financial modeling and market analysis. Passionate about leveraging analytical skills to support organizational growth and drive financial success.
Overview
3
3
years of professional experience
1
1
Certification
Work History
Financial Professional
New York Life Insurance
09.2024 - Current
- +Providing tailored financial and insurance guidance to individuals, business owners, and retirees, ensuring their unique needs and goals are met
- Assisting clients in managing their finances effectively by offering strategic investment advice and solutions for long-term financial security
- Conducting virtual consultations via Zoom to present personalized illustrations and detailed insurance policy quotations, ensuring clarity and informed decision-making
- Engaging potential clients through proactive outreach, including 100+ cold calls, targeted emails, seminars, and conferences, to educate and guide them in addressing their insurance and financial planning needs
Research Analyst
Mozack
10.2023 - 05.2024
- Company Overview: (Research Department)
- Performed financial analysis and market research to gather and interpret data for investment decision, boosting the investment portfolio performance by 15%
- Created and maintained financial models, forecasts and reports for budgets planning and risk management
- Worked with cross-functional teams to analyze financial data and provide with actionable insights to improve efficiency
- Analyze and research on industry trends, economic indicators and competitor activities, leading to an increase of 10% in the revenue
- Conducted in-depth risk assessments by analyzing market trends, financial data, and economic indicators, enabling the development of strategies to mitigate investment risks and enhance portfolio performance
- Collaborated with cross-functional teams to evaluate risk factors and provide actionable insights, resulting in improved risk management processes and minimizing exposure to market volatility
Research Analyst
Alfalah CLSA Securities PVT LTD.
04.2023 - 09.2023
- Company Overview: (Research Department)
- Conducted primary and secondary research on the cement sector analyzing the demand and supply dynamics, pricing strategies and fuel consumption models
- Developed 5-years financial model and valuation for DG Khan cement company, including industry forecast
- Prepare a 5-year cash-flow for the company
- Identified and quantified potential risks through detailed financial modeling and forecasting, supporting decision-makers in implementing risk mitigation strategies that led to more stable financial outcomes
- Developed and maintained financial models to forecast market trends and assess asset performance, assisting the trading team in making data-driven investment decisions across multiple asset classes
- Monitored real-time market data and provided trade recommendations to clients and internal teams, ensuring timely execution of trades and optimizing portfolio performance in a competitive trading environment
- (Research Department)
Associate
Moore Stephen
12.2022 - 03.2023
- Company Overview: (Tax Department)
- Clearing of funds on FBR portal for tax exemption
- Prepared and reviewed tax returns for individuals and businesses, ensuring compliance with local, state, and federal regulations while identifying opportunities for tax savings and credits
- Conducted thorough tax research to interpret new tax laws and regulations, providing clients with accurate advice on tax planning strategies and minimizing potential liabilities
- Preparing CPR summary sheet of section 149
- Preparation of PSID
- Assisted in the preparation of tax returns and compliance documentation
- (Tax Department)
Accounting Associate
Ernst & Young
05.2022 - 10.2022
- Company Overview: (Accounting & Audit)
- Prepared the vendor data sheet to evaluate whether they classify in the active tax payer list
- Worked on customer clearance on SAP in which residual payments were cleared
- Audit of invoices was done in which quantity of raw materials ordered, price of each unit, gross amount, net amount and tax rates were observed
- Conducted an evaluation of purchase order in which tax rates, quantities, units and prices were audited
- Performed comprehensive audits by extracting and analyzing data from SAP systems, identifying discrepancies, and ensuring compliance with internal controls and regulatory requirements
- Reconciled account information and reported figures in general ledger by comparing to bank account statement each month.
- Increased departmental organization by maintaining accurate records of financial transactions and creating detailed reports.
- Maintained a high level of confidentiality and professionalism when handling sensitive financial information, promoting trust among clients and colleagues.
Education
BBA - Finance
Bahria University
Pakistan01.2024
High School Diploma -
Falcon House Grammar School
Pakistan09.2019
O Level - Accounting And Finance
Shahwilayat Public School
Pakistan09.2017
Skills
- Power Bi
- MS Office
- Financial Modeling
- Financial Market
- Information systems
- Auditing
- Controls
- Assurance
- Corporate Financial Statement Analysis
- Financial services
Accomplishments
- Boosted portfolio returns by 15% through data-driven financial analysis and market research as a Research Analyst at Mozack.
- Conducted in-depth risk assessments and implemented strategies that reduced market volatility exposure and improved portfolio stability.
- Developed accurate financial models and forecasts that improved budget planning efficiency and enabled better decision-making for cross-functional teams.
Coreresponsibilities
- Developed sophisticated financial models for project evaluation and risk assessment.
- Conducted in-depth data analysis to support decision-making processes.
- Reviewed financial model inputs for accuracy, consistency, and reasonableness.
- Assisted in the financial modeling of business plans., Validated business plan assumptions and reviewed associated documentation., Prepared detailed financial reports, including month-to-date and year-to-date summaries.
- Conducted variance analyses and prepared forecasts to identify budget discrepancies., Managed third-party consulting invoices, ensuring compliance with completed contracts.
- Performed monthly account reconciliations to ensure transaction validity., Forecasted operations for the upcoming fiscal year and input data into FP&A systems. Verified accuracy in budget reports.
Certification
- Life and Health Insurance License
- Preparing for CFA Level 1
- Corporate Financial Statement Analysis
- Financial Modeling
Reading, Sports, Travelling
- Reading: Passionate about exploring books on finance, business strategies, and personal development to stay updated and continuously expand my knowledge.
- Sports: Actively engage in team sports such as cricket and football, which enhance my leadership, teamwork, and strategic thinking skills.
- Traveling: Enthusiastic traveler who enjoys discovering new cultures, landscapes, and cuisines, fostering a global perspective and adaptability in diverse environments.
Timeline
Financial Professional
New York Life Insurance
09.2024 - Current
Research Analyst
Mozack
10.2023 - 05.2024
Research Analyst
Alfalah CLSA Securities PVT LTD.
04.2023 - 09.2023
Associate
Moore Stephen
12.2022 - 03.2023
Accounting Associate
Ernst & Young
05.2022 - 10.2022
BBA - Finance
Bahria University
High School Diploma -
Falcon House Grammar School
O Level - Accounting And Finance
Shahwilayat Public School
- Life and Health Insurance License
- Preparing for CFA Level 1
- Corporate Financial Statement Analysis
- Financial Modeling
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