ALEENA JOBY
Operations Analyst And Accountant
Dubai
Summary
Results-driven Operations Analyst and Accountant with over 5 years of experience in financial management, loan processing, and compliance within banking and corporate environments across India and the UAE. Expertise includes loan documentation, reconciliation, credit risk assessment, and financial reporting, supported by hands-on proficiency in Finnone for card processing and transaction handling. Recognized for streamlining processes, ensuring regulatory compliance, and fostering collaboration among cross-functional teams. Currently pursuing a Master of Commerce (Finance) to enhance capabilities in financial analysis and strategic planning.
Overview
6
6
years of professional experience
1
1
Certification
3
3
Languages
Work History
Operations Analyst
JCBL
08.2023 - Current
- Experienced in using Finnone for card processing operations, including customer onboarding, document verification, card booking, transaction checks, discrepancy resolution, and coordination with internal teams to ensure smooth processing and compliance.
- Ensured full compliance with regulatory requirements and internal bank policies by reviewing and verifying loan documents.
- Accurately entered and set up new loans, maintaining the completeness and precision of all loan-related information.
- Verified customer details and transaction information to ensure accuracy and adherence to internal policies and regulatory standards. Rectified discrepancies during the verification process.
- Conducted detailed checks of transaction information, identified errors or discrepancies in booking files, and resolved issues to ensure compliance with laws, regulations, and bank policies.
- Completed and finalized booking files with all necessary information, ensuring proper distribution to key stakeholders such as risk management, compliance, and front-office teams.
- Reconciled loan balances and transactions regularly, addressing discrepancies promptly and maintaining accurate records. Assessed borrower information and creditworthiness to mitigate risk and ensure data integrity.
- Managed the creation, updating, and security of user login credentials, ensuring proper access control. Collaborated with IT and security teams to maintain login security procedures and identify potential security risk.
Accountant
Hi Power Electricals
07.2020 - 07.2022
- Managed day-to-day accounting operations, including accounts payable/receivable, general ledger, and reconciliations.
- Prepared financial statements, balance sheets, and profit & loss reports in compliance with company policies.
- Monitored cash flow, budgets, and expense controls to ensure financial stability.
- Handled GST, TDS, and other statutory compliance requirements.
- Coordinated with auditors for financial reviews and ensured accurate documentation.
- Improved efficiency in accounting processes by implementing digital record-keeping and streamlining workflows.
Education
Master of Commerce - Finance
Sikkim Manipal University
Kerala, India01.2026
Bachelor of Commerce - undefined
PMGC, University of Calicut
Kerala, India08.2020
Skills
Finnone Application: Card processing using Finnone
Loan Documentation & Compliance
Data Entry & Loan Processing
Reconciliation & Record Maintenance
Credit Risk Assessment
Access Control & Credential Management
Security Protocol Development
Financial Planning & Reporting
Internal & Statutory Audits
Tax Compliance & Filing
Accounting
Team Leadership & Mentoring
Project Management
Accomplishments
- Coordinated BERCH Entrepreneur 2018 in college and selected the best entrepreneur of the year.
- Organized Finance and Accounting rounds for the college fest (2019).
- Leader - Walk with Scholar Program: Mentored high-potential students, driving academic excellence and personal development.
Certification
Diploma in office management with professional accounting.
Timeline
Operations Analyst
JCBL
08.2023 - Current
Accountant
Hi Power Electricals
07.2020 - 07.2022
Bachelor of Commerce - undefined
PMGC, University of Calicut
Master of Commerce - Finance
Sikkim Manipal University
INTERNSHIPS
Interned as a project member at Dreamworld Water Park, focusing on employee satisfaction analysis and improvement strategies. (02/2020 - 03/2020)