what i deliver
Finance operations, automated reconciliation and compliance that holds up
Nine years in practice taught me that software only helps when the numbers tie back. I help businesses run disciplined accounting, automated reconciliations, and audit-ready compliance without bloated overhead.
- Experience
- 9+ in accounts & ops
- Financial statements
- 200+ prepared
- Client portfolio
- 10+ across 5 regions
- Reconciliation time
- ~85% faster
- Compliance record
- Zero-penalty filing history
· service no. 01
Record-to-Report (R2R) & Month-End Close
Clean ledgers require disciplined monthly rhythm. I handle complete end-to-end R2R for operating businesses, subsidiaries, and cross-border entities across India, the UAE, Cyprus, Kenya, and the EU.
Whether preparing your company for statutory audit or clearing out years of suspense entries, every balance sheet line is backed by an auditable schedule.
What is included:
- Month-end and year-end ledger close with full audit trail
- Balance Sheet, Profit & Loss, and Cash Flow preparation (200+ prepared to date)
- General Ledger review, cleanup of unallocated suspense entries, and backlog clearance
- Vendor and debtor ageing schedules with working capital analysis
Platforms: Tally Prime · Zoho Books · Xero · QuickBooks Online · Excel Power Query
· service no. 02
Automated Payment Gateway & Bank Reconciliation
High-volume transactions across Razorpay, Stripe, and bank feeds create massive month-end headaches. Payouts arrive in batches net of MDR fees and GST, dates slip, and manual lookups break.
I build custom Python (Pandas) and n8n pipelines that parse settlement files, match payouts to bank credits on UTR and amount, separate fees and tax, and draft balanced vouchers for Tally Prime or Zoho Books.
Automate the arithmetic, but keep human approval before posting.
What is included:
- Automated settlement-to-bank credit matching by UTR, amount, and date window
- Automated fee and GST gap calculation with draft journal vouchers
- GSTR-2B matching against purchase registers for input tax credit safety
- Zero unverified posting: clean exception screens for accountant approval
Read the complete technical case study and pipeline architecture →
· service no. 03
Statutory, Bank & Internal Audit Workpapers
Auditors don't just look at totals; they examine whether your numbers tie back to physical registers, bank confirmations, and internal control policies.
Having supported statutory branch audits for Bank of Baroda (UP Branch 2024, AP Branch 2025) and corporate internal audits, I build audit workpaper packs, LFAR responses, and lender stock statements that satisfy demanding audit teams.
Audit & lender reporting deliverables:
- Long Form Audit Report (LFAR) workpapers and internal-control review sheets
- Lender reporting packs: monthly stock statements, debtor ageing, and drawing power schedules
- Statutory and tax audit schedules tied back to primary vouchers
- Import-export trade documentation: shipping bills, Bills of Entry, customs reconciliation
· service no. 04
Tax Compliance: India, UAE & Cyprus
Tax compliance is non-negotiable. I maintain a 100% zero-penalty filing record across all client portfolios by running systematic advance calendars and automated reconciliation checks before returns are submitted.
India Compliance
GST returns (GSTR-1, GSTR-3B), GSTR-2B input tax credit reconciliation, corporate TDS (24Q, 26Q), advance tax forecasting, and account finalisation for ITR.
UAE & Cyprus Compliance
UAE VAT return filing for mainland and freezone entities under FTA rules; Cyprus VAT compliance and cross-border intra-EU documentation for international holding companies.
· technical foundation
Software and platforms I work in every day
Certified in SAP S/4HANA Cloud Clean Core and Tally Kaushal Praman Patra, with hands-on daily mastery across modern cloud finance stacks.
Accounting Software
- • Tally Prime
- • Zoho Books
- • Xero
- • QuickBooks Online
- • SAP S/4HANA Cloud
Automation & Scripts
- • Python (Pandas)
- • n8n
- • Excel Power Query
- • VBA
- • LLM-assisted parsing
Compliance Portals
- • Indian GST & TDS
- • UAE VAT
- • Cyprus VAT
- • LFAR Bank Audits
- • Customs / Bills of Entry
Custom Systems
- • Next.js
- • TypeScript
- • PostgreSQL
- • Docker
· common questions
Practical finance & automation questions
Straight answers based on nine years in the field and real production implementations.
How do you automate payment gateway reconciliation with bank statements?
We ingest gateway settlement reports (Razorpay, Stripe) and bank statement feeds through custom Python scripts orchestrated with n8n. The pipeline matches transactions on UTR, net amount, and settlement date window, automatically calculates gateway merchant discount rate (MDR) fees and GST, and drafts balancing vouchers for Tally Prime or Zoho Books. Crucially, vouchers remain in a draft state until an accountant reviews and approves exceptions.
Can AI agents draft journal entries safely without corrupting the general ledger?
Yes, but only under strict constraints. We use AI models solely for bounded text normalization (such as messy vendor narrations or receipt parsing) validated against rigid JSON schemas. Arithmetic, account assignment, and debit/credit balancing are governed by deterministic Python rules. No automated script posts directly to the ledger without human sign-off.
What documentation is required for bank stock statement and LFAR audits?
Bank audit readiness requires three interlocking records: a stock statement valuing raw materials, WIP, and finished goods by lot/FIFO; a debtor ageing schedule isolating debts over 90 days; and a reconciled drawing power (DP) calculation deducting unpaid trade creditors from eligible inventory and debtors. For LFAR branch audits, workpapers verify that sanctioned loan covenants, margin requirements, and internal controls align with physical registers.
Can a remote senior accountant manage dual-jurisdiction books across India and the UAE?
Yes. Using multi-currency cloud accounting (Zoho Books, Xero, Tally Prime), an outsourced finance manager can maintain primary ledgers, prepare quarterly UAE VAT returns in accordance with FTA guidelines, and independently handle Indian GST, TDS, and advance-tax schedules with zero double-entry and clean cross-border intercompany reconciliation.
What is the practical difference between a manual and an automated R2R cycle?
In a manual R2R cycle, accountants spend 70% of their month-end close performing spreadsheet lookups, manually matching gateway batches, and investigating stray discrepancies. In an automated pipeline, deterministic rules match 90%+ of transactions instantly, leaving the accountant to focus their judgment on genuine exceptions, accruals, and management analysis.
Need a disciplined close, cleaner books, or an automated reconciliation?
Based in Noida, serving businesses across India, the UAE, and overseas remotely.