Ashish Kumar

Results-driven Finance &

• Operations professional with 4.6+ years of extensive experience spanning Procurement, Accounts Receivable (AR), Accounts Payable (AP), Financial Analytics, Due Diligence, Internal &

• External Audit, Banking Operations, USA Compliance &

• Accounting, and GST/TDS/ROC Compliance. Reporting directly to CEO &

• MD, with a proven record of independently managing 50+ domestic and international accounts end-to-end across e-commerce, banking, fintech, and FMCG sectors. Adept at strategic vendor sourcing and onboarding, contract negotiation, purchase order management, supplier risk assessment, invoice lifecycle management, cash flow forecasting, revenue recognition, and multi-regulatory compliance (GST, TDS, ROC, US GAAP). Strong track record of building lasting supplier and client relationships globally — USA, Europe, APJ — while driving process excellence, zero revenue leakage, and cost optimisation.

Deputy Manager – Finance, Procurement & Compliance - Six Dee Netad Solutions Pvt. Ltd. (mFilterIt) - Gurugram, India

(2021-07)

• Led end-to-end vendor onboarding for domestic and international suppliers — KYC verification, contract review & negotiation, credit approval, pricing setup, ACH documentation, and SWIFT wire registration for USA and global vendors.
• Managed procurement lifecycle for 50+ active vendor accounts: PO creation and tracking, invoice receipt, 3-way matching (PO–GR–Invoice), dispute resolution, and vendor performance reviews.
• Conducted vendor due diligence — reviewed supplier financials, KYC documents, compliance history, credit risk, and contractual obligations prior to onboarding; flagged high-risk vendors to CEO/MD.
• Negotiated payment terms, credit limits, early-payment discounts, and SLAs with domestic and international vendors, resulting in improved cash conversion cycles and zero revenue leakage.
• Performed spend analysis across AP data to identify cost-saving opportunities, consolidate vendor base, and renegotiate contracts for bulk procurement categories.
• Managed USA-entity vendor registrations including ACH setup, SWIFT wire configurations, and US GAAP-compliant payment terms for global clients such as Amazon, Noon, and Emirates.
• Configured and maintained vendor master data in Zoho Books & Zoho CRM; ensured procurement workflows, approval hierarchies, and documentation standards were consistently followed.
• Key vendor/client accounts managed: Amazon, Flipkart, Myntra, Noon, PhonePe, Paytm, NPCI, ICICI Bank, HDFC Bank, Kotak, Axis Bank, SBI, RBL Bank, Tata AIG, Tata 1mg, MTN Ghana, Safaricom, Emirates, PepsiCo.
• Managed end-to-end AR operations: invoice generation, lockbox processing, cash application, unapplied receipt resolution, and accurate GL posting across 50+ domestic and international accounts.
• Conducted systematic collections — aged debtor follow-ups, escalation management, write-off approvals, and reconciliation of short/overpayments and missing remittances.
• Leveraged Zoho CRM for AR segmentation, personalised collection outreach, and retention strategies; maintained DSO (Days Sales Outstanding) within approved benchmarks.
• Managed credit reviews for new and existing clients — assessed creditworthiness, set credit limits, monitored utilisation, and restructured payment terms for high-risk accounts.
• Performed monthly AR ageing analysis and revenue trend reporting; presented dashboards and collection health summaries directly to CEO & MD for strategic decision-making.
• Resolved complex billing disputes, debit note/credit note issuance, contract-vs-invoice discrepancies, and intercompany reconciliations; ensured accurate revenue recognition as per US GAAP / Ind AS norms.
• Handled multi-currency AR settlements for USA, Europe, and APJ accounts — managed FX reconciliation, exchange rate adjustments, and cross-border payment tracking.
• Oversaw complete AP cycle: vendor invoice receipt, validation, coding, 3-way PO matching, approval workflow, and timely payment disbursement via NEFT, RTGS, SWIFT, and ACH.
• Ensured accurate and timely processing of vendor payments, advance adjustments, prepayments, and employee expense reimbursements; maintained AP aging within agreed terms.
• Reconciled vendor statements, outstanding payables, and GL balances monthly; resolved invoice discrepancies, duplicate payments, and unreconciled debit balances proactively.
• Managed vendor advance tracking, security deposits, refundable EMDs, FDRs, BGs, and LCs; ensured documentation and accounting entries were audit-ready at all times.
• Coordinated with finance, procurement, and operations teams to ensure seamless PO-to-payment cycles with minimal exceptions; drove AP process standardisation and automation.
• Monitored TDS applicability on AP transactions — deducted and deposited TDS under relevant sections (194C, 194J, 194H, etc.); filed quarterly TDS returns (26Q/27Q) accurately.
• Performed in-depth financial analytics on AR/AP and procurement data — identified cash flow bottlenecks, ageing risks, collection gaps, and working capital inefficiencies; presented insights via Excel dashboards directly to CEO & MD.
• Led financial due diligence for client and vendor onboarding — reviewed P&L statements, balance sheets, bank statements, KYC documents, contract terms, and compliance history to assess financial health and counterparty risk.
• Built and maintained financial models for working capital forecasting, cash flow projections, revenue trend analysis, and budget-vs-actual variance reporting.
• Conducted revenue recognition assessments and ensured compliance with US GAAP / Ind AS revenue standards for multi-currency, multi-period contracts with global clients.
• Monitored KPIs including DSO, DPO, collection efficiency, invoice aging, and vendor payment compliance; flagged deviations and recommended corrective actions to leadership.
• Supported month-end and year-end close activities — account reconciliations, accruals, prepaid adjustments, intercompany settlements, and financial statement preparation.
• Managed comprehensive banking operations: NEFT, RTGS, IMPS, SWIFT, Letter of Credit (LC), Bank Guarantee (BG), Fixed Deposit Receipts (FDR), and Earnest Money Deposits (EMD).
• Maintained strong banking relationships with multiple lenders; monitored daily bank balances, fund positions, and liquidity requirements to support smooth business operations.
• Handled domestic and international fund transfers, forex settlements, and cross-border payment documentation; ensured compliance with FEMA guidelines and RBI regulations.
• Tracked and followed up on bounced cheques, dishonoured DDs, and uncleared instruments; initiated legal/recovery processes where necessary.
• Coordinated with banks for issuance and renewal of BGs and LCs; maintained documentation, amendment records, and expiry tracking for all banking instruments.
• Reconciled bank statements with internal books on a daily/monthly basis; resolved discrepancies, unrecorded transactions, and timing differences promptly.
• Led complete GST compliance cycle — prepared and filed GSTR-1, GSTR-3B, GSTR-2A reconciliation, and annual GSTR9/9C; ensured accuracy of ITC claims and reverse charge mechanism (RCM) entries.
• Headed GST Audit preparation — compiled audit schedules, reconciled GSTR filings vs books, responded to audit queries, and coordinated with external auditors for smooth and timely audit completion.
• Managed TDS compliance end-to-end — deduction, payment, reconciliation, and quarterly return filing (26Q, 27Q, 24Q); generated and distributed Form 16/16A to all applicable parties.
• Ensured ROC compliance — prepared and filed annual returns, board resolutions, and statutory filings under Companies Act 2013; maintained statutory registers and records.
• Managed USA compliance for international clients — US GAAP revenue recognition, multi-currency invoice compliance, ACH payment documentation, and SWIFT transaction compliance.
• Supported Internal and External Audit processes — prepared audit-ready documentation, schedules, reconciliations, and MIS reports; liaised with Big-4 and statutory auditors to resolve queries.
• Developed and maintained internal control frameworks, SOPs, and policy documentation for AR/AP/procurement processes; presented compliance dashboards to the board.
• Monitored regulatory changes across GST, TDS, Companies Act, and FEMA; proactively updated internal processes and advised management on compliance risk implications.
• Led end-to-end client onboarding — KYC, credit approval, contract review, pricing setup, Zoho CRM/Books configuration, and SLA documentation; ensured all onboarding milestones were met within agreed timelines.
• Independently managed 50+ domestic and international accounts as the sole point of contact for payment health, collections, reconciliations, escalations, and CEO/MD reporting.
• Maintained long-term relationships with 20+ global clients across USA, Europe, Africa, and APJ; conducted Quarterly Business Reviews (QBRs), addressed escalations, and identified upsell/cross-sell opportunities.
• Handled account restructuring, payment plan negotiations, dispute resolution, and credit limit revisions; ensured zero revenue leakage across the entire client portfolio.
• Reported directly to CEO & MD — presented monthly financial performance, AR collection health, procurement risk summaries, compliance status, and audit findings at board-level reviews.
• Led and mentored a Finance & AR team of 5+ members; managed workload allocation, performance reviews, and professional development to build a high-performing team.
• Drove process standardisation, internal control implementation, and policy documentation across finance, procurement, and compliance functions.
• Set, monitored, and reported team KPIs including DSO, collection rate, invoice processing TAT, procurement cycle time, and compliance adherence metrics.

Finance Intern - Ishtar Traders and Consultants LLP - Gurugram, India

(2020-06 - 2021-07)

• Prepared personal and corporate income tax returns with detailed workpapers; ensured GST and TDS compliance across all client transactions.
• Assisted in GST filing, reconciliation, and advisory; researched evolving tax laws, GST rulings, and regulatory updates to proactively advise clients on compliance risks.
• Provided tax planning and advisory services for SME clients on matters including vendor payment structures, TDS applicability, and input tax credit optimisation.
• Supported financial statement preparation, bookkeeping, and month-end close activities in Tally; gained hands-on experience in AP/AR accounting and statutory compliance.

MBA - Accounting & Finance - HNB Garhwal University, Uttarkashi (2021)

B.Com - Financial Accounting - DDU Gorakhpur University, U.P. (2019)

Senior Secondary - Commerce - U.P. Madhyamik Shiksha Parishad (2015)

Secondary - Science - U.P. Madhyamik Shiksha Parishad (2013)