KALIDASS BALU

Summary

Dynamic Finance & Accounting Professional with 10 years of combined experience across corporate finance, financial accounting (7 years), and commercial banking relationship management (3 years). Proven track record in optimizing financial operations, managing banking partnerships, and driving revenue growth. Advanced proficiency in key financial systems and ERP tools including SAP FICO, Oracle ERP, Zoho Books, Tally Prime, and Advanced Excel. Skilled at leveraging deep financial insights to streamline reporting, ensure regulatory compliance, and support strategic decision-making.

Overview

2

Languages

10

years of professional experience

Work History

Relationship Manager (Small Business Group)

Karur Vysya Bank Limited

2025.09 - 2026.07

Identified and pursued new business opportunities, expanding working capital portfolio and driving revenue growth.
On-boarded and maintained strong relationships with Open Market channel partners, achieving monthly targets.
Evaluate and mitigate credit risk associated with working capital solutions. Ensure compliance with internal policies and regulatory requirements.
Coordinated with internal stakeholders, including credit and operations, to ensure alignment with turnaround times.
Key Highlights –
Handled Chennai Region Circle.
Cross-selled various TPP products.
(Sales)

Relationship Manager (Mid Corporate)

YES Bank Limited

2025.01 - 2025.08

Identify and pursue new business opportunities, expanding the working capital portfolio and contributing to revenue growth.
Responsible for managing and growing a portfolio of clients' working capital needs.
Prepared manual CAM and conducted credit analysis with Credit Managers for business loan proposals.
Analyze clients' financial statements, cash flow projections, and industry trends to assess their working capital requirements and credit worthiness.
Evaluate and mitigate credit risk associated with working capital solutions. Ensure compliance with internal policies and regulatory requirements.
Managed and grew portfolio of clients' working capital needs, fostering strong client relationships.
Key Highlights –
Handled Chennai & Pondichery Region Circle.
Cross-sold various third-party products to enhance client offerings.
(Operations & Sales)

Relationship Manager (Business Banking)

ICICI Bank Limited

2023.05 - 2025.01

Add value to the client and stay ahead of the competition by structuring and implementing innovative deals in working capital, term loan.
Maintain relationships with business banking to originate business.
Structured and implemented innovative deals in working capital and term loans to enhance client value and maintain competitive edge.
Ability to analyze cash flows, leverage, collateral and customer strength.
Analyze financial statements and creditworthiness of potential clients.
Assessing loan applications and approving loans.
Followed up with clients to facilitate debt settlements and ensure timely loan renewals.
Managed customer relationships to expand the book size and support business growth.
Ensuring all loans and lending procedures comply with regulations. Maintaining records of all company loans.
Ability to negotiate deals, along with the ability to interact with people at various levels of the organization and outside environment.
Individually Handled 5 Branches.
(Operations & Sales)
Key Highlights –

Subject Matter Expert (Accounts/Finance)

IQ Back Office india pvt Ltd

2023.01 - 2023.04

Processed AP invoices for payments via ACH, wire, and check to ensure timely vendor payments.
Performed daily, weekly, and monthly follow-ups on issues and reviewed remediation efforts related to internal audit findings to enhance compliance.
Reconciling daily, monthly and yearly AR and AP transactions including SAP, Bank statements and internal systems, as part of the audit process.
Executed transaction tasks supporting compliance, planning, and execution of assigned processes to maintain operational integrity.
Developing and implementing a timeline to achieve targets. Managing the day-to-day activities of the team.
Key Highlights- Client Names below
The Orchard (Music Distribution) - New York, US
Oios Health (Health care services) - California, US
(AP & GL)

Finance Executive

20Cube Logistics

2021.05 - 2022.11

Independently handled end-to-end bank reconciliation of 76 bank accounts across 10 countries.
Monthly reconciliation of cash balances and Intercompany balances of 15 entities.
Assisted team in monthly closing process including determining and passing accrual entries.
Supported monthly closing process by determining and passing accrual entries.
Prepared audit documents and responded to audit queries; collaborated in preparing and reporting monthly financial MIS and coordinating monthly, quarterly, and year-end reconciliations.
Monitored and logged expenses to maintain spending within approved budgets.
Tracked and logged expenses, ensuring spending remained within approved budgets.
Preparing and managing general ledger entries.
Intermediate working knowledge of Microsoft Excel, including use and set-up of Pivot tables.
Handled Big4 Audit Firms Audits PWC, Grant Thornton, KPMG.
(BRS & GL)
Key Highlights -

DEO Finance

IRCTC Ltd

2016.03 - 2021.05

Receipts and payments accounting in books.
Prepared and submitted IRCTC catering invoices, coordinating collection efforts to ensure timely payments.
Accounted for vendor invoices, validating billed amounts for accuracy, and prepared age-wise debtor and creditor statements as well as accounts receivable reports.
Monthly payroll reconciliation and accounting.
Preparing reports / MIS used for tax compliance/ reporting/ filing activities for TDS and GST.
Assisted in limited review, due diligence and tax audit.
Preparing BRS and Petty cash balances.
Coordinated with external audit teams for internal, statutory, and tax audits for South Zone - IRCTC.
Secretarial Activities: Dealing with correspondences from Southern Railways and other institutions, writing reports and preparing suitable replies.
Key Highlights -
Awarded Best performer for South zone finance team.
(AP,AR & GL)
On contract

Education

M.Com - Accounting And Finance

University of Annamalai, Chennai

2017-06

B.Com - Accounting And Finance

University of Madras, Chennai

2015-06

Skills

Financial statement analysis

Accounts Payable & Receivable

General Ledger Reconciliation

Bank Reconciliation

MIS reporting

Taxation

Credit Management

CAM preparation

Retail and Commercial Banking

Working capital finance

Credit analysis

Relationship management

Software

SAP FICO

ERP Oracle

Tally Prime

ZOHO Books

Power BI

Advanced Excel

Python

Timeline

Relationship Manager (Small Business Group) - Karur Vysya Bank Limited

2025.09 - 2026.07

Relationship Manager (Mid Corporate) - YES Bank Limited

2025.01 - 2025.08

Relationship Manager (Business Banking) - ICICI Bank Limited

2023.05 - 2025.01

Subject Matter Expert (Accounts/Finance) - IQ Back Office india pvt Ltd

2023.01 - 2023.04

Finance Executive - 20Cube Logistics

2021.05 - 2022.11

DEO Finance - IRCTC Ltd

2016.03 - 2021.05

University of Madras - B.Com, Accounting And Finance

University of Annamalai - M.Com, Accounting And Finance