Viraj Bhalodiya

Treasury professional with 5+ years of post-qualification experience, including 3+ years in treasury, managing ~$10 Mn daily liquidity and ~$50 Mn monthly FX volumes across fintech environments. Expertise in liquidity planning, treasury analytics, and cross-border payments, with a strong focus on optimizing funding efficiency, managing currency exposure, and strengthening treasury controls.

Treasury Manager at SingX Cross Border Solutions Private Limited (2023-07 – Present)

Managed daily cash & liquidity positions and FX transactions in a fintech environment, optimizing working capital and funding efficiency.

• Managed daily cash & liquidity positions (~$10 Mn) to optimize working capital and ensure seamless funding of settlement cycles.
• Developed cash flow forecasts to improve liquidity visibility and support timely funding decisions.
• Negotiated FX margins and transaction pricing with banking partners, driving measurable cost efficiencies across high-volume transactions.
• Executed FX transactions worth $50 Mn/month, optimizing pricing and managing currency exposure across multiple corridors.
• Managed treasury operations across 30+ banking partners and multiple currencies.
• Optimized interest income on surplus balances by 25% through strategic benchmarking and negotiation with banking partners.
• Coordinated funding and settlements with banking partners to ensure efficient liquidity utilization and minimize funding gaps.
• Performed variance analysis between forecasted and actual cash flows, improving forecast accuracy and decision-making.
• Strengthened treasury controls and payment governance to ensure compliance with internal policies and audit requirements.
• Collaborated with finance, operations, and banking partners to streamline treasury processes and improve fund flow efficiency.
• Ensured timely execution of funding and settlements within strict cut-off timelines.

Professional Consultant at MGM BizServ India Pvt. Ltd. (2021-01 – 2023-12)

Led cash flow planning, financial analysis, and forensic audits for multiple clients including startups and SMEs.

• Led cash flow planning and financial analysis for multiple clients (incl. startups & SMEs), improving forecast precision and liquidity management.
• Conducted forensic audits to identify control weaknesses and implemented recommendations to strengthen financial controls (impact: e.g., recoveries or error reduction).
• Provided tax and regulatory advisory (GST, Income Tax) to corporate clients, ensuring compliance and reducing tax exposure.

Article Assistant at M G M & Company (2017-01 – 2020-12)

Executed statutory and internal audits for corporate clients and supported financial management.

• Executed statutory and internal audits for corporate clients, ensuring IFRS/GAAP compliance and identifying financial control improvements.
• Supported financial management for clients (including startups), handling P&L, and cash reconciliations, under strict deadlines.

Chartered Accountant in Accounting – The Institute of Chartered Accountants of India (ICAI) (2020-12)