Experience

Astral Business Consulting LLP

• India
• Accounting
• 1 - 100 Employee

• Senior Accountant

  • Oct 2022 - Present

  - As a Senior Accountant at A s t r a l B u s i n e s s C o n s u l t i n g L L P , I played a pivotal role in establishing efficient accounting practices for our client, INFOBASE PUBLISHING INDIA PRIVATE LIMITED. - As a newly established company, I took charge of various financial aspects, including: - Bringing a Proper Accounting Flow Introduced and implemented robust accounting procedures and processes to ensure accurate and streamlined financial reporting. - GST Filing and Compliance: Managed timely and accurate GST filing, ensuring compliance with the relevant tax regulations and guidelines. - - TDS Filing and Compliance: Handled TDS filing, adhering to tax deduction requirements and ensuring compliance with TDS regulations. - - ITR Filing: Prepared and filed Income Tax Returns, ensuring accurate reporting and adherence to tax laws. - Advance Tax Filing: Managed advance tax calculations and timely filing, minimizing tax liabilities for the organization. - Budget Preparation: Collaborated with management to prepare comprehensive budgets, aligning financial goals with strategic objectives. - Compliance Check: Conducted regular audits and compliance checks to ensure adherence to financial regulations and best practices. - My efforts contributed to a smooth financial operation, enabling INFOBASE PUBLISHING INDIA PRIVATE LIMITED to focus on its core business and achieve sustainable growth. - Prepared quarterly tax returns and reviewed submitted documentation with auditors. - Coordinated month-end closing processes to ensure completion ahead of aggressive deadlines. - Used Odoo accounting software to perform bookeeping, invoicing and bank reconciliations. - Directed month and year-end close duties and accurately administered additions. - Devised, implemented and enforced effective accounting systems, ensuring smooth operations. Show less



RBL Bank

• India
• Banking
• 700 & Above Employee

• Credit Analyst

  • Jan 2022 - Oct 2022

  - As a Credit Analyst at RBL Bank, I played a key role in the lending process, ensuring responsible and efficient credit decisions. - Analyzing the Financials of the Customers: - Thoroughly examining financial statements, credit reports, and other relevant documents to assess the creditworthiness of applicants. Identifying financial strengths and potential risks to make informed the lending decisions. - Evaluating their Credit Worthiness: - Using established credit evaluation methodologies to assess the risk profile of applicants. Determining the ability and willingness of customers to repay loans based on their credit history and financial standing. - Preparing Proposals for the Working Capital Requirements: - Collaborating with Relationship Managers and clients to understand their working capital needs. Crafting comprehensive and customized loan proposals, outlining the loan amount, terms, and conditions. - Disbursement of Loan: - Overseeing the loan disbursement process and ensuring compliance with the approved terms. Coordinating with various departments to facilitate a smooth and timely disbursement of funds. - Throughout my tenure, I consistently demonstrated strong analytical skills, attention to detail, and the ability to work effectively under pressure. I contributed to minimizing credit risk exposure while supporting the bank's objectives to foster financial growth for both customers and the organization. - As a Credit Processing Associate, played a critical role in assisting the credit underwriting and loan approval process within the financial institution. - The Credit Processing Associate collaborates with various teams, such as Credit Analysts, Loan Officers, and Relationship Managers, to support the successful disbursement of loans and maintain the overall quality of the loan portfolio. Show less



Kotak Mahindra Bank

• India
• Banking
• 700 & Above Employee

• Credit Underwriter

  • Feb 2021 - Jan 2022

  1. Credit Evaluation: Utilize established credit evaluation methodologies to determine the appropriateness of loan requests. Assess borrowers' credit histories, repayment patterns, and potential risks to make informed lending decisions. 2.. Loan Documentation: Prepare accurate and comprehensive loan documents in compliance with internal policies and regulatory guidelines. Ensure all required documentation is complete, accurate, and executed properly. 3.. Customer Interaction: Communicate with clients to obtain necessary information and clarify loan-related queries. Provide excellent customer service, ensuring a smooth and professional experience for borrowers. 4.. Compliance and Risk Management: Adhere to the institution's credit policies, procedures, and regulatory requirements. Identify potential risks and escalate issues to relevant stakeholders for appropriate action. 5.. Data Management: Maintain accurate and up-to-date records of loan applications, approvals, and disbursements. Input and manage data in the loan management system accurately. 6.. Loan Disbursement: Assist in coordinating the timely disbursement of loans once approved. Ensure loan disbursement processes adhere to approved terms and conditions. 7.. Reporting: Prepare reports on credit processing activities, including application status, approval rates, and portfolio quality. Show less