Open to opportunities

Payal Sirohiya

@payalsirohiya16

Message

I safeguard global sales exposure through credit risk, underwriting, and Order-to-Cash operations.

India

Message

What I'm looking for

I'm looking for a fully remote global or GCC/shared-services role in credit risk, O2C, receivables, or portfolio management, with cross-border exposure and flexibility across APAC, ANZ, and EMEA time zones.

At LyondellBasell, I manage Order-to-Cash credit risk for 400+ customers across India, Bangladesh, and Egypt, protecting $650M+ in annual sales exposure. I achieved zero bad debt, resolved all overdue accounts during the Bangladesh currency crisis, and improved DSO compliance by 15%.

Previously, I underwrote 100+ corporate loan proposals at Kotak Mahindra Bank and managed large-cap corporate relationships at ICICI Bank. As a Chartered Accountant, I combine credit analysis, receivables management, SAP S/4HANA, Celonis, SQL, Power BI, and process automation to strengthen global portfolios and shared-service operations.

Experience

Work history, roles, and key accomplishments

Current

Credit Analyst

Current

LyondellBasell

Jul 2024 - Present (2 years 1 month)

Owned Order-to-Cash (O2C) credit risk operations for 400+ customers across India, Bangladesh, and Egypt, safeguarding $650M+ in annual sales exposure. Achieved zero bad debt, reduced DSO non-compliance by 15%, and led full recovery of overdue receivables during the Bangladesh currency crisis.

Credit Risk Analysis Order To Cash Portfolio Management SAP S 4HANA Celonis SQL Power BI Microsoft 365 Copilot Letters of Credit SLA Management Stakeholder Management

Senior Credit Manager

kotak Mahindra Bank Limited

Oct 2021 - Jun 2024 (2 years 8 months)

Underwrote 100+ working capital & Term loan credit proposals across 3
years in infrastructure, logistics, and warehousing sectors - each
proposal carrying Rs. 100–250 crore in exposure
Developed credit appraisals incorporating financial analysis, DSCR modeling,
cash flow projections, benchmarking, due diligence, and ratings—eliminated
credit approval errors in the sanctioned

SAP S 4HANA SAP Fiori SAP FI CO Excel Modeling Credit Analysis Credit Underwriting Risk Assessment Financial Analysis Working Capital Management MSR Term Loans Project Management Portfolio Management Portfolio Monitoring

Education

Degrees, certifications, and relevant coursework

Institute of Chartered Accountants of India

Chartered Accountant, Finance, Accounting, taxation

2013 - 2018

Grade: 5.3

Activities and societies: One of the world's most rigorous professional qualifications - globally equivalent to CPA (USA/Australia) or ACA (UK). Exemptions secured in Financial Reporting, Cost Accounting & Indirect Taxation

Chartered Accountant (CA) qualification from the Institute of Chartered Accountants of India, completed from 2013 to 2018.