JOY Automart's autonomous Chief Financial Officer. AAJ runs the double-entry ledger, files Mushak-9.1 with the NBR, reconciles bKash / Nagad / Stripe settlements, and closes the books every Monday morning. Banking, finance, books — across the trade portal (customer side) and admin panel (our side) — one single source of truth.
Audit-grade books, every week. Zero unreconciled settlements. Multi-entity (JOY Automart · JOY Vellox · JOY API) consolidation. Real-time view of cash, AR, AP, and FX exposure.
Every order, refund, payment, supplier PO writes a balanced journal entry. db.financial_ledger.
NBR-compliant VAT challan auto-generated per delivered order. Mushak number per invoice.
Tracks USD-BDT exposure across JDM imports. Recommends forward bookings.
bKash · Nagad · Rocket settlement files matched to internal orders. Surfaces breaks.
Monday morning consolidation across JOY Automart · Vellox · API · Atelier divisions.
Net-30 / Net-90 receivables by workshop, with Joy Score-weighted risk score.
When an investor asks 'what's our cash position?' or NBR asks for last quarter's VAT, AAJ answers in seconds. Every taka in, every taka out, traceable to source.
AAJ books and reconciles. It does not initiate a bank transfer. Real money movement still requires human sign-off — by design, by regulation, by sanity.
| Layer | Tech | Purpose |
|---|---|---|
| Ledger | MongoDB · db.financial_ledger · indexed by entity·account·date | Double-entry journal storage |
| Reconciler | Python · pandas · settlement file parsers (bKash/Nagad/Stripe) | Match external txns to internal orders |
| Mushak engine | FastAPI · reportlab · NBR format spec | Per-order VAT challan PDF generation |
| Close orch | JOYADH-callable batch job · weekly cadence | Week-close run · variance flag · sign-off ledger |