Customer Financial Analyst

GREESHMA GOVIND

Mobile: +91-965*******

Email:**************@*****.***

Address; Pettah, Trivandrum

Career objective: Enhance my knowledge & prove my energetic skills in the field of Finance – Credit management towards advancement of the organization by minimizing the corporate risk

PROFESSIONAL SYNOPSIS

MBA Finance and International Business-NDIM

M.Com-Finance Pursuing –Kerala University

Experience in Credit controlling, Fund accounting, Finance & Accounts & MIS, XBRL, eXtensible Business Reporting Language, US GAAP

8 years of professional experience in Finance & 2 years in Operations.

Received numerous Awards & Laurels

Certificate of merit (1X R.S Asians 99 for Accounting)

2nd rank holder and Scholarship holder of the Institute (P.G.D.B.M 2003-2005)

“Persistence and Perseverance” award (P.G.D.B.M 2003-2005 Batch)

Certificate of Achievement for migrating new funds from Dublin-(HSBC Global Resourcing’08)

Outstanding performance certificate during BCP situations –(HSBC Global Resourcing”07)

Super Star Award In the month of June’9 & Aug’9 for the Best performance (Flextronics FSSC’09)

Outstanding performance of the month-June’16-( Allianz Insurance Plc)

Management Representative for ISO 9001:2008

OPEX Yellow Belt (Allianz Operational Excellence)

ORGANISATIONAL EXPERIENCE

Allianz Insurance Plc (ACIS), India. – (Jan'15 - Till date)-Senior Executive-Finance & Accounts (Credit Control & AR Management)

Allianz Insurance plc is one of the Europe’s largest insurance company and a major global financial services organization. Allianz Trivandrum (ACIS) is a captive offshore facility of Allianz Insurance Plc, UK, operating from India, offering ITES services.

Ensure collection of overdue debt

Follow the Credit Management monthly cycle - Call brokers/clients for due, overdue items. Ensure that no items get aged or maintain accounts with no overdue. Update all relevant spreadsheets with specific data. Establish and maintain ‘accounts ‘relationships with all brokers.

To ensure all process procedures are followed – Daily Calls(incoming &outgoing), Diary, Unallocated cash, Narratives, Follow up and Chases and meet their respective SLA’s

Raise queries with BD, underwriters or brokers, check for replies and clear them accordingly

Take responsibility for ensuring own training and technical knowledge is kept up to date. Assist training of less experienced staff.

Ensure stringent follow-up for collection of disputed items and timely escalation.

Manage collection email queue and respond to request within SLA.

Responsible for quality audits and to ensure that deliverables are in line with SOP.

(Dec 12 – April 2013) – Executive-Credit Control

Maintain customer focus through effective team management and support and liaise with underwriters and business developers to meet the full level of process expectations.

Ensure the collection of outstanding overdue invoices and transactions within agreed credit terms to minimize bad debts and reduce risk and maintain accurate customer data to minimize bad debts of the company in line with the European credit policy

Review account credit terms in line with European credit policy

Deal with customer queries and Liaising with customers to ensure prompt customer payments

Maintain accurate and up to date customer details and account records

Reconcile the customers’ accounts with the cash received via cheque and bank transfers and also investigate misallocated cash and monies gone missing

Meet periodic cash collection targets in order to achieve the team goals and objectives

Deal with correspondence from debtors, third parties and clients to ensure that service levels are maintained.

Previous employer: Aptara Learning Pvt. Ltd-(May 12th 2011-Oct 2012) - Financial Analyst

Aptara helps global enterprises gain a competitive advantage through its capabilities in digital media innovation and world-class content production and publishing.

Prepare XBRL-formatted financial statements for client companies

Responsible for communications and XBRL services to multiple, simultaneous clients.

Understand client prepared financial statements (Annual Reports/Semi Annual Reports)

Process Trainer

Maintain XBRL detailed tagging using in-house application

Hands on experience on USGAAP Taxonomies, Block & Detailed Footnotes Tagging (Mapping Documents, Tagging and Validation Services using US GAAP

Flextronics FSSC (India ltd) (From 22ND Oct 2008 – Dec’09) - Specialist - Credit (Including AR management)

Flextronics International - An MNC in the EMS industry. It is one amongst the top suppliers of Design services, build & logistics services to the company’s revolving in the electronics industry.

Job Profile; Managing customer credit exposures through credit evaluation, credit limit setting. Monitoring and enforcement of the set credit limits for new and existing customers on periodic basis and upon ad-hoc business requirement.

Credit Evaluation - Investigating the financial credibility of Entities by analysing their financial statements, trade references etc. and assigning advisable risk rating.

Limit setting –Post credit evaluation credit limit in $ value is proposed, in line to the business foreseen.

Tasks handled

Perform credit reviews and recommend a credit limit and rating.

Review customers periodically - As per Credit Policy (quarterly)

Obtain necessary approvals based on the limit proposed and the customer risk rating – As per Credit Policy

Inform sites of the approved limit and recommend sites to manage exposure within the limit – To get details on BP codes and Baan Company number from site to update in ERP.

Raising workflow request to update limit and rating in BAAN and EFX.

Perform preliminary credit checks for prospective customers

Document all credit reviews and preliminary credit checks in the Global Credit eRoom

Variance and trend analysis of the overall over limit customers and ensuring the timely circulation of the report of it to the analysts and then sending a consolidated report to Global credit Manager.

Analysing the past dues from global aging report & reporting to Global Credit director & Segment VP's.

Completed the transition of Customer set up/ maintenance from the production sites to GSSC.

PREVIOUS JOB PROFILES

HSBC Global Resourcing-Hedge Fund Accountant

Panalpina World Transport India Pvt. Ltd-Sr Executive Finance

Responsible for all Activities falling under Functional Head- Reconciliation Services- including clearing of breaks, issue resolution,

Reconciliation of balances with brokers, banks and other counterparts

Ensuring that all SLA deliverables are met.

Migration of new funds from Dublin

Primarily responsible for Credit Controlling / Accounts Receivable and Risk Management.

Updation of customer master records in the database (managed in SAP)

Responsible for preparing various Financial Reports at branch level & for the Finance Controller – India

Managing Customer Visits and approving Customer Appraisal Memorandum (CAMs) for credit appraisal & worthiness of customers

Maintenance of clean customer accounts (minimum Dr / Cr in the accounts other than pure invoices & credit notes)

Variance Analysis - Recognizing unusual transactions (overdue outstanding, major credit balances in accounts, unusually high or low profits in files, etc.) trends or variations and communicating the findings to supervisor or manager along with necessary rectification measures for the same.

Responsible for the preparation of customer Balance statements, analysis and processing invoices.

Reconciliation of customer account

IT SKILLS

Accounting Packages : SAP R3 4.6D (Finance Module), Baan, Oracle, Tally.Bowne Tagger,Rivet

Software Packages : MS Office

ACADEMIC QUALIFICATIONS AND EXTRA CO-CURRICULAR ACTIVITIES

MBA -Finance -New Delhi Institute of Management

M.Com-Finance Pursuing –Kerala University

Bachelor in Commerce (B.Com) from Daulat Ram College (Delhi University) in 2003

Games captain and Prefect-Bishop Westcott Girl’s School

Contact this candidate