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Karishma Gajaria

@karishmagajaria

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I manage cash positioning, liquidity, funding, and time-critical banking operations across entities.

United Arab Emirates

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What I'm looking for

I'm looking to continue building my treasury career in a role focused on cash positioning, liquidity management, entity funding, banking operations, and management reporting.

I'm currently managing daily cash positioning, short-term liquidity, entity funding, and banking operations at Provident Management SFO DMCC in Dubai.

I publish daily cash reports for senior management, develop funding recommendations, and coordinate capital injections from analysis through execution. I also oversee urgent payments, remittances, multi-currency forex reserves, banking relationships, account administration, KYC, and signatory maintenance.

Previously at HDFC Bank, I managed treasury cash-flow requirements, monitored government-securities short-sale positions, settled SLR and Non-SLR trades, and supported hedging strategies. I prepared MIS, month-end, audit, and board-level reporting while maintaining RBI and KYC compliance.

I'm pursuing the Certified Treasury Professional designation and bring a banking and financial management background to liquidity decisions, treasury reporting, controls, and operational execution.

Experience

Work history, roles, and key accomplishments

Current

Accounts & Treasury Executive

Current

Provident Management SFO DMCC

Jun 2023 - Present (3 years 3 months)

Manage daily cash positioning and short-term liquidity across multiple entities, publish daily cash reports, and lead entity funding activities including capital injections. Process time-critical payments, maintain forex reserves, and handle banking operations, KYC, and audit support.

Cash Positioning Liquidity Management Funding Equity Injections Funding Analysis Management Reporting Time Critical Payments Banking Operations KYC Regulatory Compliance Forex Management Multi Currency Management Bank Guarantee Audit Support SOX Controls ERP Invoice Processing

Assistant Manager, Treasury Operations

HDFC Bank

Sep 2019 - Dec 2022 (3 years 3 months)

Managed daily cash flow for the treasury desk, monitored short-sale positions of government securities, and settled SLR and Non-SLR trades with regulatory compliance. Prepared MIS reports, ensured KYC compliance, and supported board-level reporting.