Ramzi Temraz - EMBA/CMA

Experience

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  Al Mulla International Financing & Investment Co

  Jun 2005 - Oct 2007

  Corporate Credit Officer

  - Supported the establishment of the corporate finance department, aligning it with organizational goals and developing policies to optimize working capital and asset finance management.- Optimized cash flow management, resulting in a significant positive impact on the P&L.- Introduced Islamic finance solutions (Murabaha, Tawarok) to provide tailored financial products, enhancing client satisfaction and supporting business growth

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  Citadel Properties

  May 2008 - Mar 2009

  Marketing & Leasing Executive

  - Led marketing and leasing strategies for a diverse portfolio of retail tenants, driving increased foot traffic and enhancing tenant satisfaction.- Coordinated and executed marketing initiatives to strengthen the shopping mall’s brand image, contributing to higher tenant retention and improved overall business performance.

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  Insomnia Inc.

  Jul 2009 - Dec 2010

  Financial Analyst

  - Managed supplier relationships across Europe and Asia while establishing pricing benchmarks and leading financial performance reporting to support strategic decisions.- Coordinated with accounts teams across countries to streamline reporting processes.- Developed and implemented a customized CRM module to improve delivery service for key clients.

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  Bank Audi s.a.l

  Feb 2011 - Jun 2014

  Senior Financial Control

  - Ensured the accuracy and validity of all accounts, enhancing the integrity of financial reporting.- Generated reports in compliance with BDL/BCC and management requirements, supporting regulatory adherence.- Produced consolidated financial statements in accordance with IFRS and local regulations, ensuring transparency.- Established robust control procedures, significantly reducing the occurrence of recurrent errors.- Tracked transactions and accounts meticulously, maintaining accurate financial records.- Delivered timely financial reporting & management information systems to stakeholders, aiding informed business decisions. Show less

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  Financial Accounting Services

  Jul 2014 - May 2017

  Finance Manager

  - Conducted comprehensive financial statement analysis, delivering practical insights to senior management for strategic decision-making.- Interpreted and communicated financial information, enhancing clarity and understanding for stakeholders.- Monitored cash flows and forecasted trends, facilitating proactive financial management and planning.- Researched key factors influencing business performance, providing management with critical data for informed strategies.- Developed robust financial management mechanisms that effectively minimized financial risk across the organization.- Identified and evaluated cost-reduction opportunities, contributing to enhanced operational efficiency and profitability.- Oversaw financial accounting and reporting systems, ensuring accuracy and compliance with regulatory standards.- Produced timely and precise financial reports, supporting strategic initiatives and organizational goals.- Managed budget processes, aligning financial resources with company priorities.- Secured new financing sources for debt facilities, enhancing the company’s capital structure and financial flexibility. Show less

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  Jubaili Agrotec

  Jun 2017 - now

  Head of Budgeting and Planning

  - Spearheaded the establishment of the budgeting department, creating a structured framework for budgeting and forecasting across multiple African countries (Nigeria, Ghana, Uganda, Tanzania, Kenya), enhancing financial visibility and control.- Provided strategic financial insights through monthly reporting and data consolidation, enabling senior management to make data-driven decisions.- Led budgeting and forecasting processes for key projects, including preparation of budgets for the Balance Sheet and P&L, optimizing resource utilization and improving accuracy, resulting in a 2-3% reduction in expenses and better responsiveness to market changes.- Prepared financial ratios to assess business performance, identifying areas for improvement and driving profitability.- Developed innovative assessment techniques to identify growth opportunities, improving profitability across international projects.- Partnered with sales, marketing, and operations to align budgets with departmental goals, enabling effective resource allocation for high-priority projects and fostering interdepartmental cooperation to support business objectives.- Conducted on-site project support in various African markets, ensuring alignment between local operations and strategic goals, and driving efficiencies in workflows.- Mentored and trained team members in budgeting, cost management, and financial analysis, fostering a high-performing and collaborative culture that supported diverse international projects.- Reduced fleet operating costs by 7% by selecting fuel-efficient trucks, implementing anti-theft measures, and optimizing fuel consumption.- Led digital transformation initiatives with IT and operations teams by automating budgeting workflows, reducing reporting time by 70% and enabling rapid, accurate financial forecasting, which positioned the company to respond more rapidly to market changes. Show less