El Habib AARIF

Entrepreneurial venture in food manufacturing (roasted sunflower seeds, coated nuts). Built company from ground zero: site selection, facility setup, equipment import, recruited and trained 5 team members, supplier and customer negotiations, financial management. Enriching experience reinforcing operational agility, adaptability, and understanding of SME challenges, particularly the critical importance of robust management systems and structured financial processes

Managed Morocco finance function (accounting, tax, controlling) for Saudi pharmaceutical group subsidiary. Close collaboration with group headquarters for closing and reporting process improvements • Reviewed SAGE 100 to SAGE X3 migration specifications: identified critical gaps between specs and reality, consulted alternative providers • Finance procedures upgrade aligned with group standards • Accounting and controlling team management • CAPEX spending supervision and control for Berrechid plant • Supplier contract renegotiation and bank credit line restructuring

Responsible for financial management of 50+ direct retail stores and all ATM/Online transactions, representing €25M annual revenue. Managed €15M inventory. SAP as primary daily operational tool. SAP Projects & Achievements • MT940 multi-bank integration implementation (2014): Business requirements definition, collaboration with IT and partner banks, integration testing, eliminated manual bank statement entry and reconciliation errors, significantly reduced processing time • Daily SAP FI operations: Postings and cash monitoring, inquiries, bank reconciliations, inventory tracking and control • Sales-to-cash reconciliation: Own Shops/ATM/Online transactions flow control, bank reconciliations, partner banks commission payment tracking. Inventory & Stock Management • Semi-annual physical inventory leadership: Planning, execution, variance analysis and resolution • Stock optimization: Identified and liquidated slow-moving items (reduced obsolescence rate below 10% via early alerts to commercial teams)

Morocco's 2nd largest heavy steel construction company (€55M revenue). First professional role post-graduation, conducting internal audit missions across fleet management, HR processes, and subsidiary operations. Key Responsibilities: • Conducted comprehensive audit of SAP Business One access controls: identified critical security gaps including shared logins, weak passwords, excessive user permissions, and lack of segregation of duties • Performed fleet management audit analyzing vehicle utilization, maintenance protocols, and replacement cycles • Led full-scope audit of civil engineering subsidiary covering financial controls and operational processes • Collaborated with Organization Department to develop formal management procedures • Drafted audit reports per IIA standards and tracked implementation of recommendations