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Binu Mariam Varghese

@binumariamvarghese

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Branch Manager at Richmax Finvest who strengthened branch financial controls and reporting.

India

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What I'm looking for

I’m seeking to leverage my expertise in accounting, financial reporting, reconciliation, budgeting, auditing, and compliance to support accurate financial operations, strengthen internal controls, and enhance reporting efficiency.

At Richmax Finvest,Trivandrum, I monitored daily cash collections, deposits, and disbursements, performed bank reconciliations, and submitted accounting summaries to the head office. I also cooperated with auditors and helped keep branch operations aligned with regulatory changes.

At Thazhayil Nidhi Ltd, Finance Co. ,Thiruvalla, I managed branch operations and sales strategies, organised budgets, and addressed customer and employee satisfaction issues. I also put training in place for more than 10 employees and worked to ensure compliance.

Earlier, as Assistant Branch Manager and Branch Executive, I assisted with branch operations, loan processing, and customer service. I supported risk mitigation, followed NBFC and RBI requirements, and helped customers understand financial products and services.

Experience

Work history, roles, and key accomplishments

Branch Manager

Richmax Finvest

Aug 2023 - Apr 2024 (8 months)

Monitored daily cash collections, deposits, and disbursements; performed bank reconciliations and submitted periodic accounting summaries. Managed branch resources, optimized profitability, and ensured regulatory compliance.

Cash Management Bank Reconciliation Accounting Financial Reporting Audit Compliance Cost Control Team Leadership Operations Management

Branch Manager

Thazhayil Nidhi Ltd

May 2021 - Nov 2022 (1 year 6 months)

Reviewed expense claims, ensured cost control, and handled over 10 employees with training and compliance. Oversaw all operational facets including sales, customer service, and administration.

Cost Control Budgeting Team Management Compliance Sales Strategy Operations Management Customer Service

Assistant Branch Manager

Thazhayil Nidhi Ltd

Oct 2017 - Apr 2021 (3 years 6 months)

Assisted in managing daily branch operations including cash handling, loan processing, and customer service. Supported risk mitigation strategies and ensured compliance with NBFC regulations and RBI guidelines.

Cash Handling Loan Processing Customer Service Risk Management Compliance team guidance

Branch Executive

Thazhayil Nidhi Ltd

Dec 2016 - Sep 2017 (9 months)

Served clients with financial tasks such as balance checks, withdrawals, and deposits at the front desk. Promoted NBFC products and services and complied with fraud reporting regulations.

Customer Service Cash Handling Product Promotion Compliance Fraud Detection

Education

Degrees, certifications, and relevant coursework

Annamalai University

MBA, Finance

2019 - 2021

Pursued an MBA in Finance from Annamalai University from 2019 to 2021.

Dr. Bhim Rao Ambedkar University

M.Com, Accounts and Law

2014 - 2016

Completed M.Com in Accounts and Law from Dr. Bhim Rao Ambedkar University from 2014 to 2016.

Course in Accounts & Taxation

Course in Accounts & Taxation, Accounts and Taxation

Completed a course in Accounts and Taxation covering accounts payable, accounts receivable, payroll, provident fund, ESI, PT, labour welfare, TDS, and GST.