Experience

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  Self Employed

  • Thrissur, Kerala State, India

  • Financial Consultant

    • May 2014 - Present
    • Thrissur, Kerala State, India

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  SBI Life Insurance Co. Ltd.

  • Thrissur, Kerala State, India

  • Insurance Advisor

    • Mar 2016 - Present
    • Thrissur, Kerala State, India

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  Al Ghandi Group

  • Group Finance Manager

    • Nov 2007 - Apr 2014

     Managed the Group’s financial accounts & systems, financial resources & development projects, administration, revenue recognition and general ‎accounting policies and procedures.  Steered a team of core professionals/ Accountants resulting in efficient financial operations and financial activities towards achieving short term and long term strategic objectives.  Engaged in ongoing cost reduction analyses in all areas of the Group, interpreted the Group’s financial results to management and recommend improvement activities. Conceptualized and implemented competent financial strategies with emphasis on contractual obligations, financial management, systems and procedures to maximize profit, providing periodic reports to the Chairman and Managing Director.  Involved in negotiations with Financial Institutions; Devised/ implemented all aspects of financial analysis and reporting to optimize company’s cash flows, weekly, monthly and annually MIS reporting, managing investments and working capital requirements.  Analyzed KPIs & trends which include establishing financial benchmarks of acceptable performance & comparison of actual results to budget thus initiating corrective actions.  Streamlined the preparation of financial reports/ consolidating financial statements that summarize and forecast the Group's financial position, such as balance sheet, profit/ loss statements, budget report and cost report.  Researched and assessed the long term financial trends and reviewed prospects for future growth of income. Identified and assessed areas of risk or control weakness and took appropriate action to mitigate losses.  Kept abreast of financial regulations and legislation compliance issues, notified and reported to the senior management any trends that are critical to the organization's financial performance.

  • Group Finance Manager

    • Oct 2007 - Apr 2014

  • Finance Manager

    • Apr 1995 - Oct 2007

     Spearheaded accounting/ financial disciplines, including financial budgeting and planning/ forecasting management reports to align to the group’s operations. Monitored compilation of consolidated financial statements.  Liaised extensively with bank authorities, managed banking relationships, including credit lines to obtain requisite finance for timely completion of projects.  Planned the companies' cash flow, annual budgeting, forecasting, project financing and structured financial strategies to ensure smooth cash flow and streamline budgets.  Prepared management reports and accompanied schedules, balance sheet, P&L and cash flow statement, including budget variance reports, follow-up of major variances to aid corrective actions and recommended measures for cost control.  Performed analytical review of financial statements using tools such as ratio analysis, variance analysis in view of organization's current commitments, ROIs, long-term solvency, and possible market variances.  Managed, devised and implemented all aspects of financial accounting activities such as invoicing, payroll, collection of accounts receivable, management and payment of suppliers/contractors.  Identified requirement of additional workforce, conducted training sessions to develop highly proficient accounting/financial management team to achieve/surpass defined organization’s targets/goals.

  • Chief Accountant

    • Apr 1987 - Mar 1995

     Directed the preparation of financial statements in compliance in accordance with standard accounting practices, developing policies and procedures of the finance department, statutory and quarterly regulatory reporting and maintaining supporting records for consolidated financial statements/accounts for the entire department in accordance with global best practices, improving monthly management accounts cycle & forecasting cash flows. Designed annual budget guidelines to optimize projected cash flows, managing working capital requirements, re-organizing processes for optimal utilization of financial resources of the company.  Reviewed and analyzed balance sheet, profit and loss account, improved monthly management accounts cycle and forecasted cash flows.  Supervised preparation of annual budgets, business plan and quarterly business review and variance analysis. Prepared detailed reports on audit findings and made recommendations to improve organization's accounting and management practices.  Examined and analyzed journal/ ledger entries, bank statements, expenditures and other financial records, to ensure accuracy in financial recording and compliance with established accounting standards, procedures/ internal controls and applicable regulations.

  • Accountant

    • Sep 1985 - Mar 1987

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  Mitsubishi Electric Corporation, Japan

  • Dubai

  • Accountant

    • Aug 1982 - Sep 1985
    • Dubai

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  Toshniwal Brothers Pvt Ltd

  • New Delhi Area, India

  • Accountant

    • Feb 1981 - Jul 1982
    • New Delhi Area, India

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  Continental Packing and Shipping co

  • New Delhi Area, India

  • Accountant

    • Dec 1979 - Dec 1980
    • New Delhi Area, India

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  G.Dinesh Narayan & Co, Chartered Accountants

  • Delhi, India

  • Articled Trainee

    • Sep 1976 - Aug 1979
    • Delhi, India