Experience

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  Bank of america

  Jun 2014 - Jun 2015

  Sm - auditor

  Working with core business intelligence solution team.• Periodic Management reporting - P&L, Financial and Operational Metrics.• Variance Analysis - Analyzing the variance between Actuals v/s forecast & v/s budget.• Identifying gaps between desired & actual.• MoM, QoQ Analysis on YTD & Isolated values of the Income Statement & Balance sheet items.• collating, checking and analyzing spreadsheet data• checking that financial reports and records are accurate and reliable• Identifying if and where processes are not working as they should and advising on changes to be made• preparing reports, commentaries and financial statements• liaising with managerial staff and presenting findings and recommendations• ensuring procedures, policies, legislation and regulations are correctly followed and complied with• Undertaking reviews of wages.• Maintain internal audit competency through ongoing professional development• Prepare and presents monthly packs/dashboard to higher Management.• Recommends procedural changes to address problems and to ensure accuracy, completeness and timeliness of reporting.• Preparing new report templates with trend analysis chart, pivot and analysis sheet as required by using MS Excel, Microsoft Strategy Tool. Show less

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  American express

  Jul 2015 - Jul 2018

  Vp - credit underwriter

  Analyzed client financial statements and calculated financial ratios in Excel to determine their repayment ability.  Audited client files and examined credit history twice annually to develop a credit rating analysis.  Reviewing the Commercial loan deals underwritten by team Underwriting commercial loans on AMEX credit cards for Small and OPEN business and Merchant Financing for US clients  Maintaining the defined Turnaround time for all loans  Identification of B2B Business growth opportunities through conducting analysis of Business financials and Credit profile of customers along with industry research and analysis for that business segment  Enhanced due diligence and fraud management through various credit reports and internal performance on card Show less

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  Roton consultancies

  Aug 2018 - Jan 2023

  Director
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  Krytons consultancies pvt ltd

  Jan 2023 - now

  Founder & director at krytons consultancies pvt ltd