Joshi أندرو

Managed end-to-end accounting for 5+ SME clients, across the UAE, including Accounts Payable, Accounts Receivable, General Ledger, bank reconciliations, and month-end closing activities.
Prepared and posted journal entries, accruals, prepayments, and intercompany transactions while maintaining accurate financial records and general ledger integrity.
Performed monthly reconciliation of bank, vendor, and customer accounts, ensuring with accuracy and timely resolution of discrepancies.
Prepared monthly MIS reports, cash flow statements, and management reports to support client decision-making and business performance analysis.
Filed VAT returns with the UAE Federal Tax Authority (FTA), maintained complete VAT audit trails, and ensured full compliance with regulations and filing deadlines with zero penalties.
Served as the primary accounting contact for clients, coordinating with teams across the UAE, India, and the Europe and Canada to collect data, resolve queries, and deliver reports within agreed SLAs.
 Managed multiple client accounts simultaneously while maintaining strict confidentiality, accuracy, and high levels of client satisfaction.
 Utilized accounting and ERP systems including Tally Prime, Zoho Books, QuickBooks, SAP FICO, Oracle Fusion, and MS Excel to streamline financial operations and reporting.

Directed the complete Finance & Accounting function, delivering accurate IFRS-compliant financial statements, month-end closures, and audit-ready reporting to support leadership decision-making.
Steered annual budgeting, rolling forecasts, and financial planning, providing variance insights, cost-benefit analysis & profitability intelligence across business units.
Led enterprise-level P&L reviews and management reporting, presenting budget achievements, margin gaps, cost drivers, and business risks during monthly leadership and sales performance meetings.
Strengthened financial governance by implementing robust controls, monitoring working capital efficiency, and ensuring statutory compliance across VAT, corporate taxation, and internal audit requirements.
Directed multi-functional teams across accounting, payroll, procurement, and inventory, ensuring operational accuracy, timely vendor payments, and seamless financial workflows for Fit-Out and Interior projects.
Acted as a key partner to Sales & Business Development, leading weekly sales review meetings, evaluating quotation pipelines, analysing win-loss ratios, and advising on pricing, margins, and competitive positioning.
Provided strategic commercial insights by analysing sales performance gaps, customer conversion issues, quotation strike rates, pricing competitiveness, and market-led revenue opportunities.
Enhanced revenue forecasting discipline, ensuring accurate month-end sales accruals, pipeline tracking, and timely billing aligned with project milestones.
Managed treasury, cash-flow planning, and fund allocation, ensuring sufficient liquidity to meet operational, payroll, and procurement obligations.
Evaluated business opportunities and strategic bids, presenting commercial viability, cost impacts, and profitability scenarios to senior leadership.
Built and sustained strong client relationships, supporting business development with financial insights, contract structuring, and negotiation of commercial terms.
Collaborated with cross-functional teams (Sales, Projects, Procurement, Marketing) to support pricing decisions, validate project costs, optimise margins, and address operational bottlenecks affecting revenue

Directed the end-to-end Credit Control function across UAE, Qatar, Bahrain & Oman, driving region-wide cashflow improvement, DSO reduction & strategic debt recovery.
Led high-value receivables portfolios, managing aging analysis, write-offs, ECL provisioning (IFRS 9), bad-debt strategy, and dispute resolution with operational and legal teams.
Strengthened credit governance by reviewing customer creditworthiness, validating legal documents (trade licenses, tax certificates), and enforcing Group credit & collection policies.

Managed revenue assurance cycles, including month-end revenue accruals, unbilled items, credit notes, balance sheet schedules, and receivables-related journal entries.
Partnered with Project, Operations & Commercial teams to streamline billing, GRN validation, variation orders, customer portal updates, and payment-application processes.
Handled Trade Credit Insurance operations, preparing monthly insurance reviews, CAF documentation & coordinating with insurers for coverage, limits & approvals.
Led GCC-wide collection strategy, conducting client meetings, negotiating settlements, setting up payment plans, and consistently achieving monthly KPIs and collection targets.
Developed and submitted new credit applications, ensured complete documentation, and issued credit confirmation letters upon approval.
Produced senior leadership dashboards on aged debtors, legal claims, receivables risk exposure, and collection performance, supporting informed decisions.
Managed cash pooling and treasury coordination with group entities, supporting liquidity planning and fund allocation.

Led the full Finance function for the flagship Facility Management project at The Dubai Mall, overseeing budgeting, forecasting, financial planning, and cost governance for one of the region’s largest FM portfolios.
Developed robust financial models for long-term project financing, lifecycle costing, renewal planning, and investment evaluation—supporting commercial strategy and contract performance.
Managed end-to-end accounting during JV inception and mobilisation, establishing financial systems, processes, compliance frameworks & chart of accounts from scratch.
Directed annual budgets, periodic reforecasts, and variance reporting, ensuring strict control over OPEX, manpower costs, asset lifecycle spending, and inventory (10, 000+ stock items).
Monitored project cash flows, revenue recognition, and payables, ensuring adherence to budgetary limits, timely billing, and strong working capital discipline.
Negotiated banking facilities, credit lines, and refinancing arrangements, securing favourable terms to support project liquidity and expansion requirements.
Executed VAT compliance, including return preparation, review, reconciliation, and adherence to UAE tax law requirements.
Streamlined AR/AP operations, reducing process bottlenecks, improving billing accuracy, and strengthening cash collection through rigorous reconciliation and dispute resolution.

• Developed financial models to forecast financial performance, assess risks, and identify opportunities for growth.
• Analyzed financial performance, identified trends, and developed recommendations for improvement.
• Compiled and analyzed financial data and reports to determine accuracy and compliance with applicable regulations.
• Reviewed financial documents and transactions to ensure accuracy and compliance with applicable laws and regulations.
• Prepared financial statements, reports, and budgets to present to upper management.
• Developed and implemented financial policies and procedures to ensure compliance with applicable laws and regulations.
• Monitored cash flow and prepared cash flow forecasts.
• Managed accounts receivable and accounts payable.
• Worked with auditors to ensure compliance with applicable laws and regulations.
• Assisted in the preparation of the annual budget.
• Provided financial advice and support to management.
• Conducted financial analysis to identify potential areas of improvement.
• Developed and maintained financial databases.
• Developed and maintained relationships with financial institutions.
• Performed financial analysis to determine the feasibility of new projects.
• Provided financial guidance and support to other departments.

• Produce accurate financial reports in a timely manner.
• Analyze financial data and provide financial reports to management.
• Ensure compliance with applicable laws and regulations.
• Develop and maintain internal control systems and procedures.
• Prepare budgets and financial forecasts.
• Advise on investment activities and provide strategies that work to maximize profits.
• Manage financial accounting systems and recordkeeping.
• Conduct audits to assess financial performance.
• Review financial statements and reports.
• Prepare and review tax returns.
• Provide financial advice and support to management.
• Prepare and interpret financial information for management.

• Financial Reporting
• GAAP and IFRS Standards Budgeting and Forecasting
• Audit Preparation and Management Cost Accounting
• Financial Analysis
• Cash Flow Management General Ledger Maintenance
• Accounts Payable and Receivable Payroll Processing
• ERP and Accounting Software Proficiency

• Managed accounts payable and receivable, ensuring the timely processing of over 500 invoices monthly.
• Prepared balance sheets, income statements, and cash flow statements, leading to improved financial reporting efficiency.
• Reconciled bank statements monthly, identifying and resolving discrepancies to ensure financial accuracy.
• Supported budgeting and forecasting efforts by providing detailed financial analysis to guide strategic decision-making. Maintained
accurate and up-to-date accounting records using QuickBooks and Excel.
• Assisted in Annual Audit, Audit Schedules, Yearly Fixed Asset Verification various sites.
• Identified and implemented process improvements for record-keeping, resulting in a reduction in data entry time. Handled Accounts
Receivable, Payable, Journal Entries, Monthly MIS, Month end and Year end formalities.