Chartered Accountant with 20+ years of hands-on experience delivering end-to-end finance and accounting services for SMEs and global clients. Expertise includes bookkeeping, month-end close, reconciliations, MIS and management reporting, financial analysis, process improvement, and compliance. Adept across QuickBooks, Zoho, Xero, and ERP systems, with a strong focus on accuracy, controls, and actionable insights for decision-making.