Zainab Naviwala

Executive @Larsen & Toubro

Surat, IN

Treasury & Finance professional with a strong track record in managing liquidity, regulatory compliance, and international trade operations.• Treasury & Liquidity Management: Oversaw daily treasury functions including cash flow forecasting, cash outflows, project borrowings, and surplus fund deployment. Ensured optimal liquidity and regulatory compliance.• Banking & Strategic Support: Managed banking relationships, account openings, and provided strategic inputs to align financing decisions with corporate goals and project needs.• EDPMS Compliance: Handled complete lifecycle on RBI’s EDPMS platform — from export documentation to bill realization — ensuring full FEMA compliance and accurate regulatory reporting.• PEM Compliance for Global Projects: Executed Project Export Monitoring (PEM) compliance for high-value international projects — Petro Rabigh (USD 122Mn, Saudi Arabia) and ITER PPAW (EUR 116Mn, Europe) — coordinating with AD banks, regulatory bodies, and internal teams.• Letters of Credit – Inward & Outward: Inward: Reviewed LC terms, prepared compliant docs, and ensured timely realization per UCP 600. Outward: Issued & managed vendor LCs, processed amendments, verified docs, and ensured on-time payments aligned with contracts.• Financial Closures: Led quarterly/annual closures for the Heavy Engineering vertical, ensuring accurate IND AS-based reporting and zero audit observations through close coordination with auditors.• IND AS 116 – Lease Accounting: Implemented lease accounting for 35+ employee car leases including ROU asset recognition, lease liability calculation, and monthly amortization in full compliance with IND AS 116.