Divya Keshwani Email & Phone Number

Dubai, United Arab Emirates

Dubai, United Arab Emirates

• Handling the Accounts Payable function, ensuring timely booking of invoices and payments to suppliers while maintaining sufficient liquidity for daily operations, and thus optimizing working capital management • Managing Accounts Receivable to minimize overdue accounts, reduce the cash conversion cycle and tracking the status of outstanding invoices. Monitoring AR aging, implementing credit policies, and improving collections processes • Working with a leading conglomerate dealing in commodities market – managing their accounting and reporting function on SAP S/4 HANA • Having a sound knowledge of freight operations and shipping industry • Assisting in month-end closing of accounts involving consolidating financial data, reconciling accounts, adjusting journal entries, and preparing financial statements to ensure accuracy and completeness for the end of the reporting period • Ensuring compliance with local tax regulations - VAT and assisting to prepare tax returns • Providing regular financial reporting and analysis to corporate management • Ensuring compliance with accounting principles and regulations, and organize financial documents for easy access and reference • Posting of bank statements, issuing of invoices, initiation and reconciliation of payments and other day to day operations related to accounting • Managing accounting ledgers and reconciliations of statements • Resolving matters of accounting and financial nature by researching and interpreting data; assisting in preparation of cashflow forecast variance report

Mumbai, Maharashtra, India

• Maintaining accurate and up-to-date financial records, including accounts payable, accounts receivable, and general ledger entries • Processing day-to-day financial transactions, such as invoices, receipts, and payments • Reconciling bank statements to ensure accuracy and completeness of financial data • Monthly Reconciling accounts and identifying discrepancies • Supporting in month end closing of accounts

Varanasi Area, India

• Analyzing and evaluating the credit worthiness of customers based on financial records and other parameters • Underwriting/Credit appraisal of secured and unsecured loan applications for salaried and business profiles – small and big-ticket size cases • Reviewing financial statements, financial cash flow projections, financial ratios, and other metrics to determine the borrower's financial credibility and stability • Assessing the credit risk associated with the borrower by considering factors such as credit history, repayment history on existing loans, debt-to-income ratio, and any past defaults or bankruptcies • Training the team on Product Policy, Process and Loan Origination System (LOS) • Recommending updation in LOS according to norms by raising BRD with IT team • On-boarding of new loan products and portfolio at LOS UAT to be made live in production and checking the functionality as per BRD raised and FSD received • Preparing monthly reports/dashboard, credit MIS for monthly business and data at Zonal level • Vendor Management – liaison and payment for their services

Varanasi Area, India

• Worked with Student Aggregator – an app for schools • Managing the accounting and finance function – accounts payable, accounts receivable, issuing invoices to customers, managing vendor payments, etc. • Managing financial transactions, ensuring compliance, and providing critical financial insights for decision-making and growth. • On-boarded and worked with 50+ clients and provided services thereafter • In-charge of complete UAT for the application • Researched new technologies and alternative methods of efficiency to provide different kind of products and services to customers

Master Of Business Administration - Mba, Mba-Ib (Finance)

Post-Graduate Diploma In Human Resource Management, Services And Industrial Law, Human Resources Management And Services

Bachelor Of Commerce (Hons.), Finance