About Esra
Xero bookkeeper focused on clean books and faster collections.
Former bank credit analyst, now helping SMEs with AR/AP, credit control, VAT/BTW preparation, and weekly bank reconciliations in Xero. Clear monthly P&L/BS plus a simple cash snapshot so you always know where you stand.
What I deliver
- Weekly/monthly bookkeeping and tidy reconciliations
- AR follow-up with friendly, structured reminders & payment plans
- AP processing and vendor tracking
- VAT/BTW prep and an accountant-ready file each quarter
- Management summary: DSO, collection rate, key variances
How I work
- Remote or on-site across the Amsterdam area; next-business-day SLA
- Packages: Starter (4h), Standard (8h), Growth (16h) + one-off Xero Setup & Clean-Up
- Day rate €360 (excl. VAT); intro discounts available
Tools: Xero, Hubdoc, Excel (Pivot Tables, Power Query)
Languages: English, Turkish; basic Dutch (learning)
English
Native or bilingual
Dutch
Basic
German
Conversational
Turkish
Native or bilingual
Can work on-site
Amsterdam (up to 50km)
Experience
- EDC ConsultingFounderMarch 2025 - Today (1 year and 3 months)Amstelveen, Netherlands
- Provide Xero-based monthly bookkeeping for a UK SME; primary liaison to the external accountant.
- Own month-end close: bank reconciliations; AP/AR (invoicing, vendor bills); expense coding; journals; clear weekly reports.
- VAT/BTW-ready records and quarterly aangifte preparation — filing by the client or their accountant.
- Credit control: AR aging, reminder workflows, dispute tracking, action log to get paid faster.
- Reconcile bank transactions and resolve discrepancies; audit-proof documentation (e.g., Hubdoc/receipt capture).
- Keep chart of accounts tidy; on-time reconciliations aligned with controls and deadlines.
- Lending Department | Vakifbank T.A.O.Senior Credit Analyst / Credit Officer (VP)March 2010 - June 2020 (10 years and 3 months)İstanbul, Türkiye
- Evaluated branch credit proposals: financials, cash flow, business model, and collateral coverage.
- Approved loans within delegated limits; prepared & presented large/complex files to senior committees beyond authority.
- Identified key risks and recommended structures (tenor, amortization, collateral, covenants, pricing) to mitigate exposure.
- Performed CDD within the credit process (docs review, risk profiling, ongoing monitoring) in absence of a dedicated CDD unit.
- Partnered with Regional Management, Legal, and Risk to ensure regulatory compliance and complete documentation; streamlined approval workflow to improve turnaround time.
- Led and mentored an 8-member analyst team; contributed to policy/process improvements.
- Selected restructuring: USD 20M jewellery sector — negotiated terms and collateral enhancements; delivered a viable repayment plan.
- Vakifbank– Sisli BranchRelationship Manager / Credit AnalystSeptember 2005 - March 2010 (4 years and 6 months)İstanbul, Türkiye
- Managed a €2B+ loans & deposits portfolio across corporate and SME clients.
- Conducted KYC/CDD and financial analysis; assessed creditworthiness; prepared credit memos and documentation.
- Developed deep client knowledge to support cross-sell and risk-adjusted financing structures.
- Originated and structured credit proposals (e.g., working capital, term loans, trade finance) and coordinated approvals with HQ.
- Selected restructuring case: USD 80M Toprak Holding (overdue loan) — coordinated with senior management & Legal; renegotiated terms and collateral, stabilizing the client and reducing bank risk.
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Education
- Bachelor's Degree in Business AdministrationAnadolu University2003Bachelor's Degree in Business Administration
- Certificate in Financial Analysis and AnalyticsUniversity of Oxford2025Certificate in Financial Analysis and Analytics