Muhammad Ali is a qualified Chartered Accountant (ACA — ICAP) with over eight years of professional experience in external audit, financial reporting, internal controls, risk management, corporate governance, and advisory services. He has worked with internationally recognised firms including EY MENA and Grant Thornton, leading and managing audit and advisory engagements across manufacturing, real estate, healthcare, technology, trading, construction, and non-profit sectors. His founding of Crestova Advisory reflects a commitment to making Big 4-calibre financial expertise accessible to SMEs and growth businesses across global markets — with direct senior involvement on every engagement, from onboarding through ongoing delivery.
Core Expertise
IFRS Financial Reporting
External Audit & Audit Support
Internal Audit & Controls
Risk Assessment & Governance
Finance Transformation
Management Reporting
Business & Strategic Advisory
MF
Muhammad Fiaz
Director — Assurance, Financial Reporting & Corporate Finance
ACA (ICAP)
11+ Years
KPMG Pakistan
Grant Thornton (Audit Manager)
TREET Group
Agritech Limited
Qualified Chartered Accountant with over 11 years spanning audit, assurance, financial reporting, and corporate finance. Began his career at KPMG Pakistan before serving as Audit Manager at Grant Thornton Pakistan, subsequently transitioning to senior finance leadership roles in industry including TREET Group and Agritech Limited (currently Senior Manager Finance & Accounts).
Core expertise: Assurance & financial reporting, FP&A, group reporting, ERP-based financial management, budgeting & forecasting, internal controls, cost optimisation, strategic finance.
UB
Usama Bin Tariq
Director — Taxation, Corporate & Business Advisory
CAF (ICAP)
APFA
ITP
CBA
7+ Years
Zulfiqar Ahmad & Co.
Crestova Advisory
Taxation and corporate advisory professional with over seven years of experience in direct and indirect taxation, regulatory compliance, litigation support, accounting, and corporate services. Began his career at Zulfiqar Ahmad & Co., developing deep expertise in FBR, SECP, and provincial compliance frameworks. Has advised businesses across multiple jurisdictions through remote engagement models, supporting SMEs, startups, and growing enterprises.
Core expertise: Corporate tax, income tax, sales tax, withholding tax, SECP compliance, VAT/GST, tax planning, litigation support, corporate services, business advisory.
ZA
Zain Ali
Director — Audit, Assurance & Financial Reporting
ACCA
9+ Years
EY MENA (current)
Grant Thornton UAE
Grant Thornton Pakistan
Accomplished audit and assurance professional with over nine years of experience across external audit, financial reporting, risk assessment, and assurance services. Currently serving as Audit Senior II at EY MENA, with prior experience at Grant Thornton UAE and Grant Thornton Pakistan. Has led audit engagements from planning through completion under IFRS and International Standards on Auditing across manufacturing, trading, healthcare, retail, education, asset management, and real estate sectors.
Core expertise: External audit (IFRS & ISA), financial statement review, risk assessment, internal controls evaluation, stakeholder management, team leadership, multi-sector assurance delivery.
AH
Muhammad Atif Hameed
Director — Technology Risk, Cybersecurity & IT Advisory
CISA
CISM
MSc Information Security (NUST)
EY Ford Rhodes
Deloitte
Ecovis
Technology risk and cybersecurity professional with experience at EY Ford Rhodes, Deloitte, and Ecovis, supporting clients across Pakistan, the GCC region, and international markets. Specialises in IT audit, IT general controls (ITGC), IT application controls (ITAC), information security governance, and cybersecurity compliance. Holds a Master's in Information Security from NUST alongside CISA and CISM certifications.
Core expertise: ITGC & ITAC testing, ISO 27001, NIST, COBIT, GDPR, SAMA Cybersecurity Framework, NCA ECC/DCC, cybersecurity risk assessment, policy development, regulatory readiness (banking, insurance, oil & gas, financial services).
