The people who will actually do your work.

Usama runs the accounting side of Finnovia and leads client delivery. His background is full cycle bookkeeping across US and Pakistani businesses, with the kind of work that only gets learned by doing it at volume: daily bank position management, inter company reconciliation across multiple entities, and month end closes that had to be right the first time.

Before Finnovia he led a bookkeeping team handling full cycle accounting for more than sixty monthly clients across gas stations, franchise restaurants and service businesses, supporting an associated tax practice serving over three thousand annual clients. That included specialised franchise reporting for Little Caesars locations, where the corporate reporting standards leave no room for approximation.

Alongside Finnovia he manages daily bank positions and multi party reconciliations in a high volume payment processing environment, where a discrepancy left unresolved for a day becomes expensive. He previously handled multi clinic financial operations for a US healthcare group in Illinois: separate records per location, reconciliation across three entities, and the full accounts payable and receivable cycle including insurance and patient invoicing.

The automation side of Finnovia comes from him as well. Working with his manager in that role, he designed and implemented automations across several finance processes that removed more than 40 per cent of the daily manual workload. That figure is from his own work inside an employer rather than a client engagement, but it is the clearest evidence of what this approach does when it is applied properly.

Having done the manual version of this work at scale, he builds the systems that remove it: document capture, coding rules, follow up sequences and reporting packs that run without a person driving them. It is the reason the firm exists in the shape it does, and it is why the second month of an engagement should cost you less time than the first.

Abdullah leads the technical and assurance side of Finnovia. He is an Audit Supervisor at a Deloitte Touche Tohmatsu member firm in Pakistan, where he has advanced from junior auditor to supervisory level in under four years and now runs engagements as engagement lead.

His audit work covers the regulated end of the market: multinationals, banks, insurance companies, mutual funds and non-banking financial institutions, alongside manufacturing, construction and services clients. That means audit planning and risk assessment, testing the design and operating effectiveness of internal controls over financial reporting, and advising clients on the accounting treatment of complex transactions and significant estimates.

He has worked on assignment in Saudi Arabia twice. He led an IFRS implementation for a group of companies in Dammam, and completed a secondment with a Baker Tilly firm in the Kingdom running statutory audits for clients including Tadawul listed companies and construction consulting groups. Both required working to international standards under regulatory scrutiny rather than to internal preference.

What this brings to Finnovia is a reviewer's eye. Books that have been through an audit process are built differently from books that have not, because someone who has spent four years testing other people's records knows exactly where they tend to fail. He sets the standard our files are prepared to, and reviews the work that goes out.

Mehak leads treasury and finance leadership at Finnovia. She is Manager Finance at Merchants Globe (Ecom Planet), a fast paced fintech, where she is accountable for the finance and reporting function and for treasury, and reports directly to senior management and ownership. She joined as a Finance Executive in 2023 and was running the function in under two years.

Treasury is the centre of her work: the daily cash position, liquidity planning and cash flow forecasting, and the funding of merchant settlements and disbursements across multiple banks. Around it she runs the full finance cycle, including payables and receivables across entities, payroll, and monthly, quarterly and annual reporting. She reduced reconciliation turnaround by 80 per cent, and she is known for leading teams through clear ownership, daily accountability and reporting that reaches senior management and owners on time.

Her career began in banking, with internal audit training at Habib Bank and an internship at the National Bank of Pakistan, which is where her instinct for controls and documentation was formed. She holds an MBA in Finance from SZABIST.

At Finnovia, Mehak leads treasury, cash and fund management, and finance leadership. She advises owners on liquidity, forecasting and banking relationships, and designs the reporting and controls that give leadership a clear and current view of their position. For clients with several accounts, gateways or entities, she is the partner who turns daily cash movements into figures an owner can act on.

Muhammad Usman Syed is a senior finance and operations leader with more than eight years across fintech, e-commerce and FMCG distribution. He is Senior Manager, Accounts and Finance at PI Pakistan (Tapmad), where he leads finance for a high volume payment gateway business, runs the finance department and reports to senior management.

His distinguishing strength is building the finance function as a system. At PI Pakistan he designed automated controls that match every transaction across wallets, bank statements and the general ledger, so that every rupee collected or disbursed can be traced end to end. He built Python tools that turn raw operator data into QuickBooks ready journals, statements of account and reconciliation packs, automated the recurring close workflows, and developed the daily and monthly dashboards that track volumes, revenue, margins and limit utilisation for management and investors.

Earlier, as Finance Manager at Bazaar Technologies, he cut month end close time by 20 per cent, improved cash flow visibility by 25 per cent, and led cost analysis on spend above PKR 1 billion that reduced controllable expenses by 12 per cent. His career began in distribution finance, where he introduced credit policies and fraud controls that improved payment turnaround by 20 per cent.

At Finnovia, Usman leads finance systems, automation and reporting. He designs the reconciliation controls, workflows and dashboards that let clients close faster and see their numbers sooner, and supports cash flow forecasting, budgeting, audit readiness and FBR and SRB tax compliance. When a client's volumes have outgrown their spreadsheets, he is the partner who rebuilds the process around them.

Waheed Hussain is an Advocate of the High Court and a Founding Partner at Hussain Siddiqui & Raza and Company. He has been in active practice since 2015 and is enrolled to appear before the Sindh High Court. He advises Finnovia and its clients at partner level on matters where commercial and legal questions meet.

He holds a Bachelor of Commerce alongside an LLB and an LLM, and is a member of the Sindh Bar Council, the Karachi Bar Council and the High Court Bar Council. The commerce grounding matters here: a large share of the questions that arise around a set of books are as much financial as they are legal, and are better handled by someone who reads both.

Over the course of his practice he has appeared in more than 800 cases spanning civil, criminal, family, rent and property law, including proceedings before the Anti-Terrorism Court and matters before the National Accountability Bureau. His clients have included the CNG Association Pakistan, Metro Shoes, Shaheen Shinwari, Super Highway SMC Pakistan, and Student Biryani in Pakistan and Australia.

Finnovia Consultants is an accounting practice and does not provide legal services or legal advice. Where a client matter requires legal representation, we make an introduction to Waheed or to appropriate counsel, and that engagement is entered into directly with the firm concerned.