Abhishek Sarda
Kolkata
Summary
CA and CS with around 9 years of post-qualification experience spanning banking and corporate finance. Currently working with ICICI Bank as Senior Credit Manager, with over 3 years of experience in credit appraisal of proposals in the ₹1–75 Cr range and monitoring a portfolio of around ₹700 Cr. Responsibilities include evaluation of financial statements, analysis of ratios such as DSCR, ISCR and liquidity, assessment of business models, and structuring secured working capital and term loan facilities in line with RBI and internal credit policies.
Prior to ICICI, worked with listed companies IFGL Refractories Ltd. and Rupa & Co. Ltd. in accounts and finance, gaining experience in MIS reporting, working capital and fund management, taxation, GST compliance, statutory audits, and management reporting. Early career included roles in CA firms and corporates with exposure to audits, income tax, and financial reporting.
Overview
13
13
years of professional experience
Work History
Assistant Manager
IFGL Refractories Ltd.
07.2022 - Current
- Compiled and submitted accurate MIS reports for management, encompassing site contract expenses, export incentives (duty drawback), agency commission, investments, forex (Ind AS 21), stock statements, and banking.
- Managed day-to-day funds and monitored working capital utilisation of the organisation.
- Oversaw Packing Credit Foreign Currency (PCFC) loans, from disbursement to settlement.
- Invested surplus funds by liaising with different fund houses and brokers.
- Monitored foreign payments (goods & services) ensuring proper documentation and submission of requisite information to banks.
- Maintained regular correspondence with bank officials for timely submission of information, certificates, and forms concerning sanction compliances and day-to-day activities.
Accounts & Finance Executive
Rupa & Company Ltd.
01.2022 - Current
- Preparation & Finalisation of Accounts of Various Group Companies and LLPs, assisting in their audit and handling of their operations.
- Handling of GST & Income Tax related compliances.
- Computation & arranging timely deposit of taxes (Income Tax, GST, TDS, and P.Tax).
- Assisting in ROC compliances.
- Computation of Landing of wide varieties of products, Preparation of MIS reports and comparison statements & assisting the top management in their Pricing Decisions.
- Handling of Cash Management Service facilities, negations and dealing with the Banks.
Senior Credit Manager
ICICI Bank
10.2019 - 01.2022
- Appraise and recommend credit proposals in the range of ₹1-75 Cr, including fund-based and non-fund-based facilities (CC/OD, term loans, LC, BG, etc.).
- Conduct comprehensive analysis of financial statements to assess borrower's financial health; evaluate key ratios such as DSCR, ISCR, and liquidity to determine repayment capacity.
- Assess business model, industry position, management profile, and banking conduct to identify risks and propose suitable mitigants.
- Carry out detailed due diligence including dedupe checks (CIBIL, CRILIC, CPCS reports) to validate client's credit history.
- Structure secured working capital and term loan facilities with adequate collateral coverage, ensuring compliance with RBI regulations and internal ICICI credit policies.
- Handle renewals, enhancements, and monitoring of sanctioned limits; track end-use of funds and ensure timely submission of compliances such as book debt statements.
- Monitor a portfolio of around ₹700 Cr, coordinating with relationship, risk, legal, and operations teams for smooth sanctioning and disbursement.
- Received specialized training in Advanced Excel for financial analysis and Credit Appraisal of High-Value Cases, enhancing efficiency and quality in handling complex exposures.
Assistant Manager Accounts & Taxation
Agarwal Singhania & Company
03.2017 - 10.2017
- Preparation and filing of Service Tax Return of Individuals, private companies, public limited companies, partnership firm & Proprietorship Concern.
- Computation of Service tax liability and payment thereof.
- Service Tax Registration, Amendment and Surrender of Registration of Various concerns.
- Migration of Service Tax Assessees to GST.
- Analysis and Compilation of GST Law.
Accounts Executive
Agarwal Mahesh & Co.
10.2014 - 10.2014
- Looking after the Income Tax matters, ROC related filing, Tds Returns and other finalization related books of accounts.
Article Assistant
N Chandra and Associates
03.2013 - 03.2014
- During my internship I have worked on accounting and Tax related assignments for several clients.
Accountant
Blue Ocean Exports Pvt Ltd
04.2012 - 03.2013
- Looking after the day to day affairs of the organization, books of accounts, finalization of the books and assisting the auditors for the purpose of Audit.
Education
CA -
Institute of Chartered Accountants of India
01.2016
CS -
Institute of Company Secretary of India
12-2015
B.Com - Commerce
Calcutta University
01.2011
12th - English
CISCE(ICSE/ISC)
01.2008
10th - English
CISCE(ICSE/ISC)
01.2006
Skills
- Microsoft Office
- Credit appraisal
- Effective communication
- Attention to detail
- Financial statement analysis
- Tally ERP 9
- Problem-solving skills
- SAP
Languages
- English
- Hindi
- Bengali
Personal Information
Total Experience: 8 Years 0 Month
Languages
Hindi
First Language
English
Proficient (C2)
C2
Bengali
Intermediate (B1)
B1
Timeline
Assistant Manager
IFGL Refractories Ltd.
07.2022 - Current
Accounts & Finance Executive
Rupa & Company Ltd.
01.2022 - Current
Senior Credit Manager
ICICI Bank
10.2019 - 01.2022
Assistant Manager Accounts & Taxation
Agarwal Singhania & Company
03.2017 - 10.2017
Accounts Executive
Agarwal Mahesh & Co.
10.2014 - 10.2014
Article Assistant
N Chandra and Associates
03.2013 - 03.2014
Accountant
Blue Ocean Exports Pvt Ltd
04.2012 - 03.2013
CA -
Institute of Chartered Accountants of India
CS -
Institute of Company Secretary of India
B.Com - Commerce
Calcutta University
12th - English
CISCE(ICSE/ISC)
10th - English
CISCE(ICSE/ISC)
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