Kalyani Biswas
Mumbai
Summary
Finance professional with7+ years of experience in credit control, collections, direct debit, customer service, order release, order to cash, account receivable, invoicing/billing, insurance, underwriting, risks, supply chain, business operation and financial management. Handled sales related accounting process for FMCG organization.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Senior Analyst
Puma Energy India Pvt Ltd
09.2023 - Current
- Maintain detailed post correspondence update on accounts receivable records to ensure aging is up to date, credits and collections are applied, uncollectible amounts are accounted for, and miscellaneous differences are cleared.
- Collaborate with various stakeholders (Treasury, Finance, GL Accounting, Tax, Customer Service) to resolve customer disputes and queries, to establish and maintain good client relationships, both internally and externally
- Monitor high-risk accounts and ensure timely escalation challenges to management.
- Reconcile complex accounts and have excellent attention to detail.
- Meet the monthly productivity goals.
- Assist in streamlining and improving the accounts receivable process by identifying areas of improvement.
- Daily Bank reconciliations.
- Process and reconcile account receivables and remittances
- Follow-up on remittances with customers and understanding of adjustments in payments like WHT, Forex impact.
- Clearing the suspense accounts.
- Calculation and booking of the provisions, provision reversals and bad debt write off for provision.
- Address payment issues like double payments or other discrepancies
- COCO site reconciliation on daily basis.
- Setup of the new COCO business process.
- Managing the Inter company accounts for different entities.
Analyst
Diageo Business Service India Pvt Ltd
11.2021 - Current
- Initiate Direct Debit collections for the overdue customers or to clear future due invoices
- Managed credit risk (monitor payment behavior of customers and propose credit limit changes, make suggestions on order release)
- Managed customer ledger (updating reason code on overdue invoices for senior management review)
- Scheduled and lead regular communications with Customers to drive customer satisfaction, cash collection, flag and eliminate reoccurring issues (service, cash dispute, data or technical related)
- Reviewed bad debt situation with In-market Commercial Finance, drive decision on provision and write off
- Reporting to support Customer communication and root cause analysis
- Cross trained and supported Tanzania market during critical closing
- Prepared error reduction documents for Direct Debit
- Simplified the process of Direct Debit collection
- Collaborated with cross-functional teams to identify opportunities for process improvement and increased efficiency.
Senior Associate
Cargill Business Services PVT LTD
11.2019 - 10.2021
- Invoice creation and document verification
- Issuance of debit and credit notes against shortage/shrinkage and account statements
- Monitoring overdue in AR and ensuring collection of overdue amount on timely basis
- Ensuring all tax related documents are generated like E-invoices and Tax invoices
- Responsible for accounting and reconciliation of sales
- SOP creation and maintenance
- SLA and TAT adherence
- Assist in peer audit on quarterly basis to keep process on track
- Maintaining consolidation of sales data & reporting activities
- Educated clients on account services and resolved client inquiries regarding statement information and account balances
- Prepared checklists for Delivery Order Issuance leading to accuracy by5%
- Introduced validation of supporting documents before Delivery Order Issuance and Invoicing as part of QA leading to accuracy by15%
- UAT of automation of Invoices and Invoice PDFs
- Day-wise segregation of overdue amount lead to timely collection of overdue amounts
- Approached each problem with fresh mind and analytical strategies to quickly resolve concern
Associate
Allstate
04.2019 - 11.2019
- Evaluating risk in insuring automobile
- Policies proposal evaluation
- Determining Coverage and premium considering risk factor
- Prepared onboarding document
Process Analyst
Gallagher Service Centre
04.2017 - 04.2019
- Issuance, auditing and sending policies to retailers and customers
- Verify all source documents like Binder, Rate sheet on Image right and generating online Policies on branch website and branch application (PPS)
- Audit policy against source documents such as Named Insured, Mailing Address, Policy Period, Premiums
- Identifies, segregate and attach documents in Image Right
- Assign documents in ImageRight to respective underwriters
- Prepared onboarding document
- A list of helpful indexing documents to aid in clearing queries
- Maintaining repository of policies to circumvent errors
Education
M.COM -
D.A.V. College, Kurukshetra University
Yamuna Nagar06.2016
B.COM -
Maharaja Agrasen College, Kurukshetra University
Yamuna Nagar06.2014
HSC -
Sacred Heart Convent School
Yamuna Nagar06.2011
SSC -
Sacred Heart Convent School, C.B.S.E.
Yamuna Nagar06.2009
Skills
- Order to Cash
- Credit Control
- Direct Debit
- Collections
- Credit Analysis
- Financial Analysis
- Credit Risk
- Account Receivables
- Invoicing/Billing
- Delivery Order Issuance
- Contract Management
- Policy Indexing & Issuance
- Performance Improvement
- Client Service
- Quality Control
- MS Excel
- MS Powerpoint
- JDE - Oracle
- CTS - IBM
- SAP
Certification
- Credit Risk Management - Framework and Strategies, New York Institute of Finance
- Diploma in IT and Accounting, Rajiv Gandhi Computer Shaksharta Mission
Timeline
Senior Analyst
Puma Energy India Pvt Ltd
09.2023 - Current
Analyst
Diageo Business Service India Pvt Ltd
11.2021 - Current
Senior Associate
Cargill Business Services PVT LTD
11.2019 - 10.2021
Associate
Allstate
04.2019 - 11.2019
Process Analyst
Gallagher Service Centre
04.2017 - 04.2019
- Credit Risk Management - Framework and Strategies, New York Institute of Finance
- Diploma in IT and Accounting, Rajiv Gandhi Computer Shaksharta Mission
M.COM -
D.A.V. College, Kurukshetra University
B.COM -
Maharaja Agrasen College, Kurukshetra University
HSC -
Sacred Heart Convent School
SSC -
Sacred Heart Convent School, C.B.S.E.
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