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
US09.2025
MBA - Finance
IIBM
Patna01.2011
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
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
Similar Profiles
Syed Yakoob KaleemSyed Yakoob Kaleem
Director of Rooms at Accor – Grand Mercure Bengaluru Gopalan MallDirector of Rooms at Accor – Grand Mercure Bengaluru Gopalan Mall
Karan WadhwaniKaran Wadhwani
Duty Manager at Hotel Grand Mercure Agra by Accor GroupDuty Manager at Hotel Grand Mercure Agra by Accor Group
MEHDI SAADAOUIMEHDI SAADAOUI
Sales and Reservation Executive at Mercure Hotel Cannes -Accor GroupSales and Reservation Executive at Mercure Hotel Cannes -Accor Group
Simran SSimran S
Travel Consultant at BCD TravelTravel Consultant at BCD Travel
Kannan LKannan L
Service Owner - Identity Global Products at AXA Global Business ServicesService Owner - Identity Global Products at AXA Global Business Services