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Chartered Accountancy Final exams |
Group I (November 2012) |
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Group II (May 2013) |
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Ø Secured 53.4% in aggregate; 70% in advanced management accounting, 61% in |
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indirect tax law and 56% in direct tax law. |
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Chartered accountancy PCC exams |
Group I and II (May 2010) |
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Ø Secured 52% in aggregate; 64% in accountancy. |
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Company Secretary Executive Programme |
Group I and II (August 2013) |
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Ø Secured 51.3% in aggregate ; 59% in company accounts ,cost and management |
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Accounting and 57% marks in Tax Laws. |
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Company Secretary Professional Programme |
August 2013 - Present |
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Bachelor of commerce, Dr. B. R. Ambedkar University, Agra |
June 2011 |
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Ø Secured 59.7% in aggregate; 68% in law and accounts group. |
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Senior secondary examination, St. Andrews Sr. Sec. School, Agra |
March 2008 |
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Ø Secured 87% in aggregate under CBSE board; 92% in accountancy.
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Credit Analyst at Kotak Mahindra Bank ,New Delhi (April 2019- till date)
Products :OD/CC, LC, BG,SBLC, Term Loans, Packing credit limits, Forex ,PBD,SBD
Ø Underwriting of Credit proposals for Large Corporates
Ø Regular monitoring of accounts and taking proactive steps to mitigate risk associated with those accounts
Ø Managing Portfolio of clients including Renewal and interim requests
Ø In-depth analysis of credit proposals, preparation of credit Proposals and presenting to credit committee
Ø Analysis of Financial , Operational and Management risk associated with the client
Ø Analysis of CMA Data for limit requirement.
Ø Analysis of future projections and budgets for term loans.
Senior Credit Analyst at Indusind Bank Limited ,New Delhi (September 2017- April 2019)
Products :OD/CC, LC, BG, Term Loans, Packing credit limits, Forward Covers
Ø Underwriting of Credit proposals and ascertaining the Limit requirements based on analysis and meeting held with top management of the companies.
Ø In-depth analysis of working capital proposals and ascertaining credit requirements
Ø Analysis of Financial , Operational and Management risk associated with the client
Ø Regular monitoring of accounts and taking proactive steps to mitigate risk associated with those accounts
Ø In-depth Industry Analysis
Ø Analysis of CMA Data for limit requirement.
Ø Analysis of future projections and budgets for term loans.
Senior Associate Analyst at ICRA Limited , New Delhi ( March 2016 – September 2017)
Ø Working as a part of Mid Corporate Sector Ratings.
Ø Preparation of In-Depth Rating reports and scoring for presenting to rating committee.
Ø Revalidation of Annual Ratings and working on fresh cases.
Ø Analysis of Business, Management and Financials and other key parameters as per the
business segment to arrive at the Financial Rating of the Organization.
Ø Inspection of units for due diligence.
Ø Meeting & Interviewing with top executives of the company for better understanding of
their business plans / strategies and to know the current trends in the industry / market.
Ø In-depth Industry Analysis.
Credit manager at ICICI Bank Limited,New Delhi (December 2013- February 2016)
Products :OD/CC, LC, BG, Term Loans and Commodity Based Finance
Ø Underwriting of Credit proposals and ascertaining the Limit requirements.
Ø Used sound judgment and experience to determine customer credit worthiness based on financial statement analysis and other qualitative factors
Ø Established credit limits and taking proactive steps to mitigate risk and manage exposure to these limits.
Ø Ascertaining limit for Commodity based Finance (secured against hypothecation of stock) proposals.
Ø Monitoring of Accounts for ascertaining the conduct of account.
Ø Analysis of CMA Data for limit requirement.
Ø Analysis of future projections and budgets for term loans.
Ø Clientele ranging exposure from 1 million to 200 million.
Article assistant at Raj Kumar Verma & Associates,Agra(August2008-January2012)
Employee at Raj Kumar Verma & Associates, Agra ( June 2012-January 2013)
Ø Conducted statutory audit of various SME to Mid Corporate Clients
Ø Project Financing
Ø Audit of Accounts U/S. 44 AB of Income Tax Act, 1961.
Ø Prepared and filed tax returns of various entities.
Ø Finalization of accounts and preparation of balance sheets of various entities.
Ø Handled TDS related matters.
Ø Preparation and Filing of Individual tax returns.
Ø Preparation of Projected Financial Statements.
Ø Internal Audit of SME to Mid corporate Clients
Ø Budgeting and overhead analysis.
Credit Analyst at Kotak Mahindra Bank ,New Delhi (April 2019- till date)
Products :OD/CC, LC, BG,SBLC, Term Loans, Packing credit limits, Forex ,PBD,SBD
Ø Underwriting of Credit proposals for Large Corporates
Ø Regular monitoring of accounts and taking proactive steps to mitigate risk associated with those accounts
Ø Managing Portfolio of clients including Renewal and interim requests
Ø In-depth analysis of credit proposals, preparation of credit Proposals and presenting to credit committee
Ø Analysis of Financial , Operational and Management risk associated with the client
Ø Analysis of CMA Data for limit requirement.
Ø Analysis of future projections and budgets for term loans.
Senior Credit Analyst at Indusind Bank Limited ,New Delhi (September 2017- April 2019)
Products :OD/CC, LC, BG, Term Loans, Packing credit limits, Forward Covers
Ø Underwriting of Credit proposals and ascertaining the Limit requirements based on analysis and meeting held with top management of the companies.
Ø In-depth analysis of working capital proposals and ascertaining credit requirements
Ø Analysis of Financial , Operational and Management risk associated with the client
Ø Regular monitoring of accounts and taking proactive steps to mitigate risk associated with those accounts
Ø In-depth Industry Analysis
Ø Analysis of CMA Data for limit requirement.
Ø Analysis of future projections and budgets for term loans.
Senior Associate Analyst at ICRA Limited , New Delhi ( March 2016 – September 2017)
Ø Working as a part of Mid Corporate Sector Ratings.
Ø Preparation of In-Depth Rating reports and scoring for presenting to rating committee.
Ø Revalidation of Annual Ratings and working on fresh cases.
Ø Analysis of Business, Management and Financials and other key parameters as per the
business segment to arrive at the Financial Rating of the Organization.
Ø Inspection of units for due diligence.
Ø Meeting & Interviewing with top executives of the company for better understanding of
their business plans / strategies and to know the current trends in the industry / market.
Ø In-depth Industry Analysis.
Credit manager at ICICI Bank Limited,New Delhi (December 2013- February 2016)
Products :OD/CC, LC, BG, Term Loans and Commodity Based Finance
Ø Underwriting of Credit proposals and ascertaining the Limit requirements.
Ø Used sound judgment and experience to determine customer credit worthiness based on financial statement analysis and other qualitative factors
Ø Established credit limits and taking proactive steps to mitigate risk and manage exposure to these limits.
Ø Ascertaining limit for Commodity based Finance (secured against hypothecation of stock) proposals.
Ø Monitoring of Accounts for ascertaining the conduct of account.
Ø Analysis of CMA Data for limit requirement.
Ø Analysis of future projections and budgets for term loans.
Ø Clientele ranging exposure from 1 million to 200 million.
Article assistant at Raj Kumar Verma & Associates,Agra(August2008-January2012)
Employee at Raj Kumar Verma & Associates, Agra ( June 2012-January 2013)
Ø Conducted statutory audit of various SME to Mid Corporate Clients
Ø Project Financing
Ø Audit of Accounts U/S. 44 AB of Income Tax Act, 1961.
Ø Prepared and filed tax returns of various entities.
Ø Finalization of accounts and preparation of balance sheets of various entities.
Ø Handled TDS related matters.
Ø Preparation and Filing of Individual tax returns.
Ø Preparation of Projected Financial Statements.
Ø Internal Audit of SME to Mid corporate Clients
Ø Budgeting and overhead analysis.
Credit Analyst at Kotak Mahindra Bank ,New Delhi (April 2019- till date)
Products :OD/CC, LC, BG,SBLC, Term Loans, Packing credit limits, Forex ,PBD,SBD
Ø Underwriting of Credit proposals for Large Corporates
Ø Regular monitoring of accounts and taking proactive steps to mitigate risk associated with those accounts
Ø Managing Portfolio of clients including Renewal and interim requests
Ø In-depth analysis of credit proposals, preparation of credit Proposals and presenting to credit committee
Ø Analysis of Financial , Operational and Management risk associated with the client
Ø Analysis of CMA Data for limit requirement.
Ø Analysis of future projections and budgets for term loans.
Senior Credit Analyst at Indusind Bank Limited ,New Delhi (September 2017- April 2019)
Products :OD/CC, LC, BG, Term Loans, Packing credit limits, Forward Covers
Ø Underwriting of Credit proposals and ascertaining the Limit requirements based on analysis and meeting held with top management of the companies.
Ø In-depth analysis of working capital proposals and ascertaining credit requirements
Ø Analysis of Financial , Operational and Management risk associated with the client
Ø Regular monitoring of accounts and taking proactive steps to mitigate risk associated with those accounts
Ø In-depth Industry Analysis
Ø Analysis of CMA Data for limit requirement.
Ø Analysis of future projections and budgets for term loans.
Senior Associate Analyst at ICRA Limited , New Delhi ( March 2016 – September 2017)
Ø Working as a part of Mid Corporate Sector Ratings.
Ø Preparation of In-Depth Rating reports and scoring for presenting to rating committee.
Ø Revalidation of Annual Ratings and working on fresh cases.
Ø Analysis of Business, Management and Financials and other key parameters as per the
business segment to arrive at the Financial Rating of the Organization.
Ø Inspection of units for due diligence.
Ø Meeting & Interviewing with top executives of the company for better understanding of
their business plans / strategies and to know the current trends in the industry / market.
Ø In-depth Industry Analysis.
Credit manager at ICICI Bank Limited,New Delhi (December 2013- February 2016)
Products :OD/CC, LC, BG, Term Loans and Commodity Based Finance
Ø Underwriting of Credit proposals and ascertaining the Limit requirements.
Ø Used sound judgment and experience to determine customer credit worthiness based on financial statement analysis and other qualitative factors
Ø Established credit limits and taking proactive steps to mitigate risk and manage exposure to these limits.
Ø Ascertaining limit for Commodity based Finance (secured against hypothecation of stock) proposals.
Ø Monitoring of Accounts for ascertaining the conduct of account.
Ø Analysis of CMA Data for limit requirement.
Ø Analysis of future projections and budgets for term loans.
Ø Clientele ranging exposure from 1 million to 200 million.
Article assistant at Raj Kumar Verma & Associates,Agra(August2008-January2012)
Employee at Raj Kumar Verma & Associates, Agra ( June 2012-January 2013)
Ø Conducted statutory audit of various SME to Mid Corporate Clients
Ø Project Financing
Ø Audit of Accounts U/S. 44 AB of Income Tax Act, 1961.
Ø Prepared and filed tax returns of various entities.
Ø Finalization of accounts and preparation of balance sheets of various entities.
Ø Handled TDS related matters.
Ø Preparation and Filing of Individual tax returns.
Ø Preparation of Projected Financial Statements.
Ø Internal Audit of SME to Mid corporate Clients
Ø Budgeting and overhead analysis.
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