Experience

• 

  ORIX New Zealand Limited

  • New Zealand
  • Financial Services
  • 1 - 100 Employee

  • Credit Manager

    • Mar 2016 - Present

  • Lending Manager

    • Apr 2006 - Mar 2016

    • Customer credit & financial analysis, commercial & business risk assessment & mitigation, compliance with regulators, providing recommendations to the Credit Risk Committee on varied Corporate & SME applicants.• Financial modelling including ratio analysis & macro building.• Providing sustainable growth solutions by balancing risk and reward.• Mentoring & training of credit & sales teams on products, market intelligence and financial analysis.

• 

  American University of Sharjah

  • United Arab Emirates

  • Accountant

    • Aug 1998 - Jan 2006
    • United Arab Emirates

    • Independently managed the entire payroll process for over 1000 employees and student workers.• Served as a liaison between US employees and US tax consultants to ensure a high standard of statutory compliance.• Assisted Budget and HRD in the preparation and maintenance of Personnel Budget, and coordinate activities for different departments.• Assisted the Budget office and Chief Accountant with periodical cashflow projections as well as Bank / GL account reconciliations.• Advised students regarding the fee structures for different schools, billing and cash management .• Instrumental in documenting processes, challenging existing processes and proposing improved processes to enhance productivity.

• 

  Standard Chartered Grindlays Bank

  • Mumbai Area, India

  • Lending Assistant

    • Jul 1993 - Aug 1998
    • Mumbai Area, India

    • Recognised for aptitude and passion for MS Excel, management reporting and analysis which was often capitalised on for projects within the Lending unit.