A finance professional with 23 years of post qualification experience in the field of Audit, Accounting, Banking, ERP implementation, Treasury & Working capital management, with a specific expertise on Banking & Credit risk management.Acquired a great deal of experience in conducting and setting up business in diverse cultural places such as India, U.A.E, K.S.A, Oman, Bahrain, Qatar, Kuwait, Jordan, Egypt and Singapore.Specialties: Expertise of over 19 years in IT distribution:• Treasury & Banking (working capital financing)• STF Loans (LMA standards) & Term Loans• Cash management & Cash concentration• Supply chain financing arrangements• Working capital management & ROCE• Credit risk/Receivables management• Credit insurance & General Insurance • Audit finalisation with top 4 audit firms• Financial & Biz. performance analysis• Organisation re-structuring• ERP implementation - SAP (FICO & SD)• Mergers & Acquisitions