Summary
Overview
Work History
Education
Skills
Websites
Certification
Timeline
Generic
Puja Kumari

Puja Kumari

Bangalore

Summary

Credit & Finance professional with 13+ years of experience in hospitality and financial services. Skilled in credit risk management, accounts payable, collections, reconciliations, taxation, and compliance. Proven track record of streamlining financial processes, reducing overdue receivables, improving payable cycles, and ensuring corporate compliance. Seeking a leadership role in credit/finance to drive financial performance and risk management.

Overview

15
15
years of professional experience
1
1
Certification

Work History

Credit Manager

Grand Mercure, Gopalan Mall - Accor Group
Bangalore
11.2023 - Current
  • Lead CRM meetings, collaborating with cross-functional teams to resolve credit issues.
  • Manage client credit assessments, risk analysis, and compliance with Accor Group policies.
  • Oversee AR aging, proactively reducing overdue receivables.
  • Ensure timely reconciliations (BRS, AP, GL) and vendor payments.
  • Improved AP cycle efficiency, reducing vendor payment delays and strengthening vendor relationships.
  • Prepare and file GSTR-1 & GSTR-3B; manage taxation compliance.
  • Supervise Capex, FF&E reconciliations, and cash flow reporting.
  • Handled OTA & aggregator reconciliations (Booking.com, MakeMyTrip, Swiggy, Zomato), ensuring timely settlement of accounts and dispute resolution.
  • Performed Credit Card Reconciliation, ensuring accurate posting, timely settlement, and chargeback resolution.
  • Debtor aging analysis with 100% accuracy.
  • Conduct detailed credit risk analysis for corporate and individual clients, ensuring compliance with internal policies and hotel group standards.
  • Prepare management reports on receivables, cash flow forecasts, and key financial metrics for senior leadership.

Assistant Credit Manager

Marriott International
Bangalore
04.2022 - 10.2023
  • Debtor aging analysis with 100% accuracy.
  • Prepare management reports on receivables.
  • Owned CRM meetings, implementing collection strategies that improved recovery efficiency.
  • Proficiently used ONEX and other finance tools for reconciliations and invoicing.
  • Ensured compliance with e-invoicing processes and statutory reporting.
  • Performed duties as Income Auditor, ensuring accuracy of daily revenue postings and financial reporting.
  • Handled OTA & aggregator reconciliations (Booking.com, MakeMyTrip, Swiggy, Zomato), ensuring timely settlement of accounts and dispute resolution.
  • Performed Credit Card Reconciliation, ensuring accurate posting, timely settlement, and chargeback resolution.
  • Supported internal and external audit requirements, improving reporting transparency and compliance.

Senior Executive - Finance & Accounts

Shriram Finance Ltd.
Bangalore
05.2011 - 03.2022
  • Managed full-cycle accounts payable: invoice processing, vendor payments, and reconciliation.
  • Improved AP process efficiency by standardizing workflows and ensuring timely settlements.
  • Oversaw credit operations, receivables management, and loan recovery for multiple branches.
  • Conducted credit appraisals, loan processing, and RBI-compliant risk assessments.
  • Coordinated with zonal/regional teams to improve TAT and compliance.
  • Supported HR initiatives on employee training and skill development.

Sales Executive

ING Vysya Bank
11.2010 - 04.2011
  • Achieved sales targets through asset/liability products and cross-selling.
  • Managed cash operations and ensured strict KYC compliance.

Education

FRM (Part 1) -

GARP
US
09.2025

MBA - Finance

IIBM
Patna
01.2011

Skills

  • Accounts Payable
  • BRS
  • AR Reconciliation
  • Debtor Management
  • Loan Processing
  • Credit Risk Analysis
  • Taxation
  • GST
  • RBI Guidelines
  • KYC
  • ONEX
  • QuickBooks
  • CRM tools
  • MS Excel
  • Reporting
  • Team Leadership
  • Collections Strategy
  • Analytical Skills
  • Time Management
  • Resource Management
  • Communication

Websites

Certification

  • O-Level Computer Course - DOEACC Society
  • KYC Compliance - Udemy
  • QuickBooks Accounting Tool - Udemy
  • Data Analysis Fundamentals - IBM (Coursera)
  • Accounting Analysis - IBM (Coursera)
  • Tax Audit Training - CA Firm, Nelamangala (Ongoing)

Timeline

Credit Manager

Grand Mercure, Gopalan Mall - Accor Group
11.2023 - Current

Assistant Credit Manager

Marriott International
04.2022 - 10.2023

Senior Executive - Finance & Accounts

Shriram Finance Ltd.
05.2011 - 03.2022

Sales Executive

ING Vysya Bank
11.2010 - 04.2011

FRM (Part 1) -

GARP

MBA - Finance

IIBM

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Puja Kumari