Amartya Krishna Deb

• Performed detailed credit appraisal for Business Installment Loans and Commercial Card facilities.
• Managed underwriting for Commercial Cards portfolio across Karnataka with independent credit decision-making responsibilities.
• Ensured compliance with internal credit policies, regulatory guidelines, and risk management frameworks.
• Maintained portfolio quality through prudent underwriting and proactive risk identification, contributing to overall credit stability.
• Monitored portfolio performance and ensured policy adherence, effectively mitigating delinquency and minimizing credit losses.
• Evaluated startups, fintech companies, manufacturing units, traders, professionals, and service-based businesses through financial and qualitative analysis.
• Conducted assessment of audited financial statements, cash flows, GST data, bank statements, bureau reports, and management profiles.
• Collaborated with sales and business teams to align growth objectives with risk appetite, enhancing strategic decision-making.
• Delivered consistent turnaround times while handling high underwriting volumes and maintaining credit quality standards.
• Developed strong understanding of SME and business banking products, working capital requirements, and business cash flow cycles.

Statutory Audit

• Conducted statutory and tax audits, along with limited reviews, for clients across 5+ sectors including mining, services, construction, and leasing, with turnovers of ₹25 Crores to ₹200 Crores
• Identified material irregularities in the recognition of statutory provisions, resulting in an understated income of ~ ₹4.2 Crores
• Discovered inflated revenues of ~ ₹5 Crores as a result of significant inconsistencies in revenue recognition
• Led a 3 member team in the statutory audit of a listed entity, managing the audit engagement and collaborating with senior management to present findings and strategize action plans
• Identified material irregularities in the recognition of statutory provisions, resulting in an understated income of ~ ₹4.2 Crores
• Discovered inflated revenues of ~ ₹5 Crores as a result of significant inconsistencies in revenue recognition
• Responsible for auditing critical business processes, including revenue, purchases, loans, investments, and fixed assets, involving the rigorous testing of assumptions employed for their recognition and valuation

Taxation

• Spearheaded an assignment involving the comprehensive compilation, summarization, and filing of GST refunds under the inverted tax structure, concerning GST inputs of ~ ₹4.3 Crores
• Represented a client before the Assistant Commissioner, successfully recovering ~ ₹1.2 Crores in GST inputs from disallowance
• Prepared and filed GST, income tax and TDS returns for entities with turnover of ~ ₹100 Crores

Non- Assurance Services

• Conducted a Common Area Maintenance (CAM) Audit for 4 office buildings, covering ~ 24 lakh square feet at an IT-SEZ, for clients in construction and leasing business
• Participated in investigating over 200 vacant land parcels for a real estate client, focusing on verification, compilation, summarization, reconciliation, variance analysis, and delivering recommendations
• Prepared IND AS and AS compliant financial statements as per Schedule III for companies in service, jewelery, and real estate industries
• Managed regular reconciliation for multiple bank accounts, each averaging over 10,000 transactions monthly, also, provided insights that boosted reconciliation efficiency by ~ 27%