Roby Joy
Dubai
Summary
Dynamic and result-driven finance professional with over 17 years of experience across banking, financial services, and healthcare finance. Proven expertise in managing full-scale financial operations, budgeting, regulatory compliance, and strategic planning. Demonstrated success in leading high-performing teams, optimizing financial systems, and enhancing operational efficiency. Strong interpersonal and communication skills with a collaborative leadership style that fosters teamwork and delivers results. Adept at navigating complex regulatory environments and aligning financial goals with organizational growth strategies. Passionate about driving financial health and sustainability in both corporate and healthcare sectors.
Overview
18
18
years of professional experience
1983
1983
years of post-secondary education
Work History
Senior Accounts Executive
NMC Royal Hospital & Clinics
Dubai
09.2014 - Current
- Overseeing the finance department of a full-fledged hospital along with its network of feeder clinics
- Managing overall budgeting, financial reporting, cost control, and strategic financial planning
- Ensuring regulatory compliance and liaising with auditors, and health authorities
- Leading a team of finance professionals to handle accounts receivable/payable etc
- Experienced in preparing comprehensive financial reports and insightful analyses to support strategic decision-making by senior management
- Skilled in coordinating with head office, auditors, and internal control teams to ensure smooth financial operations across hospital and clinic networks
- Preparing monthly MIS reports for the senior management and advising on financial decision-making
- Coordinating with department heads to align financial goals with clinical operations and growth strategies
- Reduced financial discrepancies by conducting regular, thorough account reconciliations.
- Improved cash flow management for timely payment of company expenses and obligations.
- Assisted in the successful completion of annual audits through diligent preparation of documentation and prompt response to auditors'' inquiries.
- Consistently met tight deadlines under high-pressure situations while maintaining a strong attention to detail in all work produced.
- Contributed to the development of company financial policies and procedures, ensuring compliance with applicable regulations and best practices in accounting standards.
- Supported company growth initiatives by preparing reliable ad hoc reports that informed strategic decision-making processes for senior leadership.
- Optimized budgeting process by providing detailed forecasts and variance analyses to management.
- Mentored junior staff members by sharing knowledge and experience, fostering a positive work environment conducive to learning and professional growth.
Operations Head
Axis Bank
11.2012 - 05.2014
- Responsible for day-to-day activities of branch and error-free banking transactions
- Liaison with government departments for smooth functioning of branch
- Timely accounting entries, office account reconciliations, and monthly MIS reporting
- Verification of KYC, AML, voucher authenticity, and high-quality customer service
- Cash flow management and rectification of audit irregularities
- Supervised operations staff and kept employees compliant with company policies and procedures.
Manager – Operations
Axis Bank
07.2007 - 10.2012
- Handled retail and agricultural loan portfolio and documentation
- Monitored AML compliance and ATM reconciliation
- Handled customer queries, high-value cash transactions, and clearing operations
- Cross-verification of KYC and AML compliance
- Handled CMS operations for 10 clients, reporting and reconciliation
Officer
UAE Exchange and Financial Services
01.2007 - 12.2007
- Supervised forex transactions and ensured KYC compliance
- Handled SWIFT transfers, foreign DDs, and prepared MIS/BRS statements
- Conducted forex transactions and managed cash requirement of branch
- Issued traveller’s cheques and prepared MIS reports
Education
MBA - Finance& Marketing
Bharathiar University
Bachelor of Commerce -
Kerala University
06.2025 - 05.2003
Skills
- Healthcare Finance
- Financial Reporting & Analysis
- Budgeting & Forecasting
- Accounts Payable & Receivable
- Regulatory Compliance
- Audit Coordination
- Internal Controls
- MIS Reporting
- Cash Flow Management
- Financial Planning
- Team Leadership & Collaboration
Personal Information
- Date of Birth: 03/10/82
- Nationality: Indian
Timeline
Bachelor of Commerce -
Kerala University
06.2025 - 05.2003
Senior Accounts Executive
NMC Royal Hospital & Clinics
09.2014 - Current
Operations Head
Axis Bank
11.2012 - 05.2014
Manager – Operations
Axis Bank
07.2007 - 10.2012
Officer
UAE Exchange and Financial Services
01.2007 - 12.2007
MBA - Finance& Marketing
Bharathiar University
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