Payal Sirohiya

At LyondellBasell, I manage Order-to-Cash credit risk for 400+ customers across India, Bangladesh, and Egypt, safeguarding $650M+ in annual sales exposure. I achieved zero bad debt and improved DSO compliance by 15% through stronger review cadences and overdue escalation protocols.

During the Bangladesh currency crisis, I coordinated with Bangladesh Bank and financial institutions to resolve all overdue accounts and recover stalled funds, earning the BRAVO Award. I also build SAP S/4HANA and Celonis risk dashboards, manage letters of credit and factoring, and automate AR reporting with Microsoft 365 Copilot and AI tools.

Previously, at Kotak Mahindra Bank and ICICI Bank, I underwrote corporate lending proposals, performed financial analysis and due diligence, maintained borrower ratings, and supported large corporate portfolios. At Kotak, I helped reduce underwriting effort by 20% and loan sanctioning turnaround time by approximately 20% while maintaining full RBI and internal compliance.

I'm a Chartered Accountant who combines credit judgment, portfolio discipline, process transformation, and cross-border collaboration to protect revenue and improve working-capital outcomes in global shared-services environments.