Ginju Jacob George

Emcredit Limited has conceptualized and developed a unique digital wallet - emPay to facilitate financial and non-financial transactions, which will enable people to do contactless transactions for cash micro payments and remote payments for various government and non-government services. Apart from payments, EmPay is a platform designed for instant digital lending and P2P payment, first of its kind in the region.

Roles and Responsibilities:

 Preparing feasibility reports / business case studies for emPay project for review of management and presentation to investors, partners, etc.
 Preparation of valuation reports for new projects using complex financial models for investor meetings and/or for presentation to Board of Directors.
 Developing and implementing management information systems to ensure technology is best leveraged to support business needs.
 Designing and preparing complex financial projections for multiple years in a manner that ensures easy understanding and transparency of such model.
 Preparing annual budgets for parent company and subsidiary for review of management and stake holders.
 Registering for Value Added Tax with Federal Tax Authority, ensuring compliance of documents with tax laws and filing of VAT returns on or before the due date.
 Examining, reviewing and administering contracts and agreements and liaising with legal personnel to ensure contracts terms are in line with the requirements of the company / subsidiary.
 Prepared timely and accurate financial reports, including income statements, balance sheets, and cash flow statements, ensuring compliance with regulatory standards and company policies.
 Played a key role in the implementation and optimization of financial systems, such as ERP software, to streamline financial processes and enhance reporting capabilities.
 Developed and implemented comprehensive accounting and financial policies for the subsidiary company, ensuring compliance with regulatory requirements and industry best practices.
 Coordinated and facilitated internal and external audits, ensuring timely completion and addressing audit findings to improve financial controls and processes.
 Provided leadership and guidance to finance teams, fostering a culture of excellence, continuous improvement, and professional development.
Main Achievements:
 Instrumental in securing over AED 100 million in funding prior to launch through the preparation of comprehensive valuation reports, utilizing complex financial models and market analysis. Developed detailed reports outlining valuation methodologies, assumptions, and supporting evidence. Contributed to the successful funding efforts by providing accurate and compelling valuation insights, playing a key role in attracting investor confidence.
 Led a comprehensive business process mapping project, optimizing operations, improving efficiency, and promoting cross-functional collaboration. Conducted thorough analysis of existing processes, identified bottlenecks, and facilitated workshops to streamline workflows. Implemented recommended process enhancements, resulting in increased efficiency, cost reduction, and improved organizational effectiveness.

Key Contributions
• Led preparation of multi-year financial projections, valuation reports, and business case studies for investor meetings
and Board presentations, directly supporting over AED 100M in secured funding.
• Spearheaded ERP implementation and optimisation, streamlining financial processes and enhancing real-time reporting
capabilities across the group.
• Built and rolled out comprehensive accounting policies and internal control frameworks for the subsidiary, ensuring
regulatory compliance and audit readiness.
• Managed VAT registration with the Federal Tax Authority and maintained full compliance with UAE tax laws, including
timely filing of VAT returns.
• Prepared consolidated annual budgets for parent company and subsidiary; presented variance analysis and corrective
strategies to senior management.
• Reviewed and administered contracts in liaison with legal counsel, mitigating financial and operational risk.
• Mentored and guided finance team members, fostering a high-performance culture of continuous improvement.

Pioneer Gulf FZE, one of the most powerful automotive entertainment companies, serving clients in various countries such as UAE, South Africa, Saudi Arabia, Egypt, etc., is a subsidiary of Pioneer Corporation, Japan.

Roles and Responsibilities:

 Preparing monthly financial statements for review of the management and reporting to parent company.
 Preparing comprehensive annual budgets and monthly forecast reports for management review and reporting to parent company.
 Liaising with financial institutions for fund management with respect to transfer of funds to parent company.
 Generating purchase price variance reporting providing cost saving information to purchasing departments.
 Developing and rolling out of enhanced reporting processing with the goal of improving cash management and credit control, ensuring data integrity, completeness and timeliness of reporting.
 Improving business reporting, including increased analysis of financial information and improved controls.
 Preparing reports and liaising with statutory auditors for completion of audit within deadlines.
 Month end account reconciliations including pre-paid expenses, accrued expenses, operational bank accounts and all fixed asset accounts.
 Preparing and posting month end journal entries and related support, along with expense classification, reallocation and overhead expense analysis.
 Overseeing the work of accountants, ensuring accuracy and compliance with accounting standards and company policies.

• Prepared monthly financial statements and comprehensive annual budgets reported to Pioneer Corporation Japan.
• Introduced purchase price variance (PPV) reporting, delivering actionable cost-saving intelligence to procurement teams.
• Developed enhanced cash management and credit control reporting, improving data integrity and reducing DSO.
• Oversaw month-end close including journal entries, pre-paid/accrued expenses, and fixed-asset reconciliations.
• Managed fund transfer operations with banking institutions and supervised a team of accountants.

Key Contributions
• Prepared income statements, balance sheets, cash-flow statements, and management reports for C-suite decision
making.
• Authored the companys Accounting Procedures Manual, standardising financial practices across the organisation.
• Formulated budgets and performed variance analysis, enabling proactive corrective actions.
• Liaised with DIFC authorities for license renewal, data-protection filings, and statutory / government audits.
Key Achievements
• AED 5M Capital Investment Restructured: Negotiated EMI payment terms vendors for a 5M investment,
preserving ensuring cash flow.
• 30% Cost Reduction: Sourced alternative vendors and renegotiated DIFC office lease, achieving a blended 30% reduction
in operating costs.
• 80% Revenue Growth: Delivered granular client-segment analysis to management, enabling targeted sales focus that
drove an 80% uplift in revenue.
• 30-Day Reduction in DSO: Reduced accounts receivable outstanding from 75 days to 45 days within six months through
tightened credit controls.

Part of Ogilvy & Mather Worldwide, Memac Ogilvy is one of the largest marketing communications networks in
the MENA region, delivering integrated advertising, PR, and digital solutions to leading regional and global brands.
• Redesigned retainer-client reconciliation reporting, improving accuracy and completeness of accounts.
• Prepared bank and credit reconciliation statements supporting month-end close.

in 1974, Jumbo Electronics is one of the UAEs leading and distributors of
IT, and
• Managed payables and receivables functions, implementing cash management strategies that improved working capital.
• Streamlined product costing system, resulting in more competitive pricing and increased sales performance.
• Handled import/export LC negotiations and bank guarantees with financial institutions.
• Produced inventory ageing and valuation reports (WIP, finished goods, raw materials) and monthly profitability reports.