Shirin Kandoriwala, ACCA
Commercial and Credit Analyst
Dubai
Summary
Professional with strong analytical skills and background in financial analysis and planning. Adept at evaluating creditworthiness and managing risk, bringing high level of precision to financial analysis and reporting. Known for effective team collaboration and flexibility, ensuring reliable support in dynamic environments. Proficient in financial modeling, credit risk analysis, and market research, with focus on achieving measurable results. ACCA qualified. Golden visa holder.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Commercial and Credit Analyst
Techtronic Industries
04.2025 - Current
- Prepared periodic sales and margin forecasts with variance analysis and detailed commentary.
- Generated periodic sales and margin reports, delivering actionable insights to support commercial teams’ strategic and ad-hoc requirements.
- Implemented and monitored margin control measures, conducting periodic reviews and variance analyses.
- Prepared and issued detailed accounts receivable reports to track outstanding payments.
- Supported the development of collection targets and action plans, liaising with commercial teams on progress.
- Ensured data accuracy across multiple ERPs, reconciling sales and margin figures to the General Ledger.
- Managed end-to-end pricing strategy in coordination with Marketing, including price list creation, analysis, system updates, and dissemination to internal teams and external partners.
- Collaborated with commercial teams to develop annual sales and margin budgets and supported budget presentation preparation.
- Designed, maintained, and reported KPI scorecards in partnership with Sales, Marketing, and Operations, providing performance analysis.
- Built business models and scenario analyses to support new investments and key business decisions.
- Managed customer contracts, including annual distributor agreements, tracking, and distribution.
- Supported month-end close activities, including commentary and Hyperion submissions for actuals and forecasts.
- Investigated and resolved disputes and unauthorized deductions in coordination with Customer Service, Operations, and Marketing.
Regional Finance Analyst
International Schools Partnership
10.2021 - 04.2025
- Lead in submissions of annual budgets and periodic re-forecasts for each subsidiary and head office.
- Analyzed each subsidiaries month end results and performed variance analysis before presenting to leadership.
- Collaborated closely with all departments to assess CAPEX requirements, actively monitoring expenditure against the budget throughout the fiscal year to enforce stringent cost containment measures.
- Ensured full compliance with IFRS, and prepared financial statements for audit.
- Developed a range of Excel-based Financial Models to underpin diverse scenario-driven projects.
- Conducted a thorough analysis of marketing expenditures versus the budget in close collaboration with the Director of Marketing. This effort led to cost savings in marketing expenditure and the optimization of processes, including enhanced budget tracking.
- Completed financial and operational due diligence, analyzing market trends, competition and potential growth opportunities to support feasibility and success of potential acquisitions.
- Prepared monthly reconciliation of bank accounts and took corrective actions on deviations.
- Prepared bi-weekly KPI data and analyzed and monitored performance, before presenting to all stakeholders.
- Developed near and long-term P&L and cash flow forecasts.
- Performed all duties related to AP and AR for the Regional Office.
Accounts Payable Officer
Nibras International School
09.2020 - 10.2021
- Monitored accounts with 100+ vendors and investigated pricing discrepancies.
- Responsible for daily reconciliation of bank account and credit card expenses.
- Maintained petty cash float and processed weekly reimbursement claims.
- Maintained monthly prepayments and accruals file and posted journal entries for month-end reporting.
Finance Intern
International Schools Partnership
12.2019 - 08.2020
- Supported in maintaining financial records in accordance to both local GAAP and IFRS (for group accounting)
Central Operations Team
RAKBANK
05.2018 - 09.2018
- Processed daily inward, outward clearing & in-house cheques with speed and accuracy keeping daily error count to a minimum
Education
Bachelor of Arts - Finance
Middlesex University
Dubai, United Arab Emirates01.2019
Skills
- Financial budgeting
- Variance Analysis
- Data-driven insights
- Advanced financial modeling
- Margin Analysis
- Credit management
Certification
ACCA
References
References available upon request
Timeline
Commercial and Credit Analyst
Techtronic Industries
04.2025 - Current
Regional Finance Analyst
International Schools Partnership
10.2021 - 04.2025
Accounts Payable Officer
Nibras International School
09.2020 - 10.2021
Finance Intern
International Schools Partnership
12.2019 - 08.2020
Central Operations Team
RAKBANK
05.2018 - 09.2018
Bachelor of Arts - Finance
Middlesex University
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