Mohamed Znaiydi

- Budgeting: Collaborated with operational managers, financial departments, and leadership to develop a realistic budget aligned with the company's strategic objectives. - Performance monitoring: Analyzed actual financial results compared to the established budget, identified variances and trends, and provided relevant reports and analysis to support decision-making by management. - Internal control: Ensured compliance with the company's financial policies, assessed financial risks, and identified opportunities for process improvement through the implementation of effective internal control procedures. - Cost analysis: Conducted in-depth analysis of the company's costs, identified factors influencing profitability, and proposed measures to improve efficiency and profitability. - Financial forecasting: Contributed to the development of short-term and long-term financial forecasts by estimating revenues, expenses, cash flows, and other financial variables to assist management in making strategic decisions. - Decision support: Provided financial analysis and evaluations to support management decision-making, such as evaluating investment projects and analyzing the performance of products or business segments.

- Supervise and maintain financial and administrative records and monitoring systems to record and reconcile expenditures - Administrative support to the management program including administration of budgets - Prepare analytical report and TPP on Budget and Expenditure on a regular basis - Proper control of the supporting documents for payments and financial reports - Maintenance of the internal expenditures control system - Select and enter data from a wide variety of documents, verifying accuracy by checking sources, making necessary calculations and assuring inclusion of all relevant data - Prepare recurring reports as scheduled and special reports as required for budget preparation, audits or other reasons - Manage project financial operations and financial reporting; provide guidance and technical assistance to financial management personnel - Manage the timely submission of financial reports and monthly expenses - Develop and put into practice procedures for handling finances and accounting, review accounting discrepancies and recommend corrective actions - Keep track of accounts payable and accounts receivable - Focal point with external entities such as bookkeeping company, auditor and tax authorities, etc - Make sure tax reporting obligations are timely fulfilled. - Support the Executive Director in relation to recruitment processes and human resources matters - Develop and manage human resources procedures in line with the legal framework and the Collective Agreement signed - Provide expertise and advice to the management service - Analyze and interpret regulations and / or contract clauses - Prevent legal risks related to the activity of the establishment - Write acts and carry out complex legal arrangements - Ensure the investigation and processing of sensitive files

Participation in the planning and execution of periodic internal audit missions such as "leasing certificate," "Murabaha" product, and "participation portfolio." Participation in the review of banking operations conducted and related files. Participation in the drafting of notes and reports related to periodic or ad-hoc missions carried out. Providing feedback on financing files for Charaïque points (object, financing terms, etc.). Participation in the preparation of meetings for the Charaïque supervisory committee (invitations, agenda and related files, logistical coordination and setup, etc.) and drafting of the minutes. Participation in the development of Al Baraka Leasing Product.

- Prospect, advise and retain a clientele of individuals and professionals. - Listen, analyze, anticipate the needs of customers to offer services and adapted products (extended warranty, maintenance contract, financing plan) - Product presentation (catalog, dynamic presentation of the vehicle, test, ...) - Negotiation with private and professional customers. - Connect the customer with the Financing department. - Conclude the sales. - Administrative management of sales in collaboration with the sales assistant.

Discovering the auditing system of Charaïque within an Islamic finance institution as part of my master's research