Girish Kurup

May’16 - Aug’20 with M/s Amlak Finance PJSC (Star Services LLC)
Growth Path:
2016 - Aug’20 as Team Manager
2010- 2016 as Manager-Sutherland Global Services
2006-2010 as Operation Officer- Amlak Finance PJSC
Key Result Areas: (as Team Manager)
 Spearheaded Operations Mortgage Team as well as the related accounting aspects
 Prepared monthly financial results, budget, quarterly forecasts and completed reporting requirements
 Performed detailed analysis of accounts, created month-end reports and presented findings to top level management
 Ensured maintaining key entries and company’s general ledger; reviewed monthly business activity statements and balance sheet reconciliations
 Extended assistance to annual internal and external auditors; conducted variance, cash flow, and KPI reports review
 Planned and executed monthly / quarterly / annual closure schedules; provided monthly financial statements; administered the monthly closing process
 Ensured reclassification and accounting of wrong or unaccounted entries prior to closure of the General Ledger
 Worked with the Finance Team in the preparation of annual budgets, monthly forecasts, and strategic plans
 Supervised the annual audit and coordinated audit schedules
 Reviewed, investigated, and corrected errors and inconsistencies in financial entries and documents that led to transparency in reporting to internal & external stakeholders
 Guided the accounting department in creating reports and financial statements to be presented at annual meetings
 Documented and maintained reports related to cash flow and presented them to regulatory authorities
 Developed and maintained operational systems for all finance & accounting functions
 Reviewed & resolved exception reports; researched & resolved invoice payments’ transaction-related matters
 Developed payable controls & procedures to improve timeliness and accuracy of recording & payment of transactions

Key Result Areas: (as Manager of M/s Sutherland Global Services, Dubai (Outsourced)
 Performed financial analysis for operational and financial performance improvement; managed financial planning, budgeting and forecasting
 Maintained accounts payable & employee payroll; spearheaded automation of bank reconciliation and daily reconciliation of accounts
 Ensured successful migration of systems & processes from client location and mitigated risk to have an effective financial control
 Conducted training and established team of associates to implement the process
Highlights:
 Appreciated by management for:
o Ensuring low error rate through effective control
o Clearing old suspense (unreconciled data) amounting to approx. AED 50Million

Key Result Areas: (as Operations Project Manager-Sutherland Global Services)
 Interacted with management for multiple related projects directed toward strategic business and other organizational objectives
 Built credibility, established rapport and maintained communication with internal & external stakeholders
 Defined, managed and assigned Project Managers to respective projects to manage cost, schedule and performance to ensure excellent delivery and client satisfaction
 Presented periodic dashboard reports on current program and client issues to the management

Key Result Areas: (as Team Manager-Operation(Accounting) Department)
 Spearheaded Accounting Team and guided them on best practices
 Ensured posting of installments credited to company’s bank accounts to the customer accounts after pre-defined check; submitted pre-defined MIS to senior management
 Reconciled bank accounts daily to mitigate risks & ensured timely accounting of financial entries in finance system
 Monitored suspense account with unidentified receipts; reported same to the concerned

Key Result Areas: (Team manager- Core Mortgage Operations)
 Ensured successful migration of systems & processes from client location & set up the operation team
 Reviewed documents for authenticity, validity and completeness before disbursements and highlighted deviations to management purpose
 Analyzed security checks & posted disbursements in the system; identified risks and took action to mitigate them
 Ensured that the mortgage settlement request of the customers are processed on a timely & effective manner
 Developed and determined priorities and monitors status of projects on an ongoing basis
 Spearheaded team and guided them on budgeting, planning & accounting process (Account receivable/payable)

Highlight: Bagged Star of the Quarter Reward from management

Operation Officer, 2006-2010
M/s Amlak Finance PJSC, Dubai:Served as a key member of the operation team.Implemented process improvements with the quidance of the team leader.Served as team-in-charge in absence of the team leader.

Core competencies

Bank reconciliation & MIS
 Ensuring the installments credited to Company’s bank accounts are posted to the
customer accounts after the pre-defined check.
 Circulation of pre-defined MIS to senior management.
 Reconciliation of the bank accounts.
 Monitoring of suspense account (unidentified receipts) to ensure the same are within
acceptance levels.

PDCs Management
 Defined process for tracking of Post dated cheques(PDCs).
 Ensured the PDCs are sent for clearing on due date
 Handled correspondence with the banks.

Repayment Unit
 Preparation of Liability letters for the customers, displaying their Outstanding balance
 Monitoring of refund of excess installments received from customer.
 Monitoring generation of intimation letters for the customers. Ensured the
same are sent to customers on due date.
 Monitoring of Standing Instruction (SI) amendment, correspondence with the banks for
the same.
 Assisting Collection team with delinquency data.

Key member of the Securitization team.
Responsible for ensuring effective & timely performance of a team of 10.

Core Competencies:
• Careful monitoring of investors and generating reports of cases to be securitized.
• Passing of accounting entries for accounting the sale of the loan contracts.
• Generating the monthly payout reports as per the laid down criteria & passing entries.
• Co-ordination with the Registrar and Transfer agent.
• Ensuring accumulation of funds and timely transfer of the funds to the investor.
• Generation of monthly investor report and financial reports to be circulated to the investor and the credit agency like Crisil, Icra etc.

(An affiliate of Citibank Overseas Investment Corporation.)

Working as an process officer was responsible for handling a team involved in tracking the PDDs(Post disbursal documents) related to vehicle finance business.

Core Competencies:
• Maintaining various Documents on systems (Central Image & RAS).
• Maintaining Documents for Emerging Local Corporate customers.
• Generating MIS reports on daily, weekly and monthly basis for ELC Customers (Vehicle Financing, Loans & Refinance) as well as for ELC Sales Officers across the Country.
• Maintain Overdraft facilities for corporates based on their transactions.