Experience

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  Shrichand lekhwani & co.

  Feb 2008 - Sept 2013

  Audit assistant

  Concurrent Audit of Central Bank Of India, Bhilai region (under Raipur zone) and UCO Bank, Bhilai region (under Raipur zone) • Work performed includes identification and reporting potential NPAs, ensuring proper documentation of loan accounts, ensuring KYC norms as per the RBI regulations; revenue audit, daily cash managements, conducting surprise audit to test effectiveness of internal controls e.g. Completeness of KYC documentation in Account Opening, management of locker services, Regulatory guidelines followed for cash deposit and withdrawal. Internal Audit - Vishva Vishal Engineering Private Limited (Wholly owned subsidiary of Bhilai Engineering Corporation Limited).• Performed risk-based process audit for critical business processes like procurement and payables, receivables management, inventory management, production etc. • Assisted ERP implementation team in analysis and documentation of “As-is” business process and preparation of “To-be” document as per standard business processes (gained deep insight of end to end transaction flow in the system).• Performed data migration audit and presented report to Board of directors on discrepancies observed in Data Input.• Performed test on critical reports generated by New ERP system to check its accuracy. Given feedback for improvement periodical reports generated through ERP System.Tax Audits and Audit Management• Preparation of Audit Plan and monitoring status of each audit in process.• Statutory Audit of Companies in compliance with CARO’2016 covering Preparation of Audit Report as per the provisions of Companies Act’2013 including Reporting on Adequacy of Internal Financial Control System prevailing in the Company. Show less

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  M/s shrichand lekhwani & co.

  Oct 2013 - Jan 2015

  Consultant

  Worked as onsite consultant for one of the top client of Audit firm. Client was engaged in Food & Beverage Industry, looking for expansion in providing catering services in Indian Rails through IRCTC and opening chain of food courts on prominent railway stations of country.• Developing and monitoring daily profitability statements of 9 food courts and 11 catering contracts for different trains including contract of Meals supply in Ahmedabad Shatabdi Express which had average monthly billing of Rs. 11 Mn.• Setting up team for bookkeeping and cash management system.• Ensuring timely payment of statutory dues like EPF, ESIC, License fees, Direct and indirect tax dues.• Ensuring timely filing of applicable returns and assisting statutory auditor in annual audit. Show less

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  Argos international, india

  Feb 2015 - Dec 2015

  Senior executive- finance & accounts

  • Preparation and implementation of SOPs for critical business processes like procurement, inventory management, production and tendering• Floating periodical MIS and budgeted income statements for different business segments viz. Agro Trading, Polymer Trading, Lighting Solutions, Projects (government and private contracts) etc.• Analyzing cost models to assist senior management in determining the price to be quoted for goods and services in tenders.• Assisting in preparation of tender documents basis the tender instructions and standard terms and conditions. Show less

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  Icici bank

  Jan 2016 - Dec 2021

  • Appraisal and approval of proposals including supervision of credit underwriters.• Management of the portfolio quality and ensure compliance to policy norms.• Training of credit underwriters on Policy norms and provide proper inputs to Policy team for up gradation or improvement in Policy/process.• Managing the Credit Processing shop and overlooking all the activities from sourcing to disbursement/storage.• Handling team of underwriters and ensuring proper flow of process in the credit Credit processing shop.• Interaction with seniors for credit underwriting of files and ensure proper management of sourcing.• Problem solving and ensure Customer centric approach to all issues in the Credit Processing shop Show less

  • Chief Manager

    May 2021 - Dec 2021

  • Regional Credit Manager

    Jun 2018 - May 2021

  • Branch Credit Manager

    Jan 2016 - May 2018
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  Hdfc bank

  Dec 2021 - Nov 2023

  Area sales manager

  Developed and executed robust channel sales strategies to drive LAP loan disbursals through various channel partners, including brokers, financial advisors, and real estate agents.- Monitored the performance of channel partners and direct sales associates, track key performance indicators (KPIs), and implement performance improvement plans as needed.- Ensured that high-value cases are processed efficiently and within the stipulated timelineswith all applicable compliance.- Collaborated with the risk team to assess creditworthiness and mitigate potential risks associated with high-value cases- Identified new business opportunities, untapped markets, and potential strategic partnerships to increase LAP loan disbursements and market share in the area.- Ensured that all sales activities, including channel sales and high-value cases dealing, adhere to company policies, regulatory guidelines, and legal requirements.- Monitored and maintained a healthy internal rate of return on LAP loan products to ensure profitability and sustainability.- Lead the team to generate good business by achieving LAP loan disbursal targets and revenue goals in the assigned area.- Built and maintained a strong reputation with channel partners, enhancing the bank's visibility and preference in the LAP market.- Provided guidance to the Team, ensuring a culture of high performance, collaboration, and continuous improvement.- Prepared and presented regular reports on sales performance, high-value cases, and risk management to senior management.- Collaborated with cross-functional teams to align strategies with overall business objectives Show less

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  Karur vysya bank(kvb)

  Jan 2024 - now

  Regional credit manager