Summary
Overview
Work History
Education
Skills
Languages
Personal Information
Timeline
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Ayush Gupta

Ayush Gupta

Pune

Summary

Chartered Accountant with 5.5 years of experience in banking and public accounting. Expertise in credit analysis, risk assessment, and financial statement analysis, complemented by a solid background in indirect tax compliance and audit procedures. Proven ability to provide strategic insights that enhance business growth and ensure regulatory compliance. Strong leadership and communication skills facilitate effective collaboration with stakeholders to achieve organizational objectives.

Overview

6
6
years of professional experience

Work History

Credit Analyst

Axis Bank Ltd
Mumbai
02.2022 - Current
  • Conducted in-depth risk assessments of individual, mid-sized and large corporate clients, analyzing their financial viability and recommending appropriate credit facilities.
  • Prepared detailed Credit Appraisal Memorandums (CAMs) with other reports and presented findings to senior management, supporting informed lending decisions.
  • Evaluate financial statements, assessing creditworthiness for working capital limits (CC, OD), term loans, BGs, and LCs identifying trends and ensuring adherence to regulatory standards.
  • Evaluated loan applications and recommended credit limits, terms, and conditions in accordance with bank policies and regulatory guidelines.
  • Monitored credit portfolios, identified potential risks, and recommended mitigation strategies to minimize losses.
  • Utilized financial modeling techniques to forecast financial performance and assess the impact of various economic scenarios on credit quality.
  • Collaborated with relationship managers to structure credit facilities and negotiate terms with clients.
  • Ensured compliance with all relevant regulations and internal credit policies.

Associate

TR Chadha & Co LLP
Mumbai
07.2021 - 01.2022
  • Conduct GST Health Check Up and compliance review of Various Big Entities.
  • Conduct GST audit under section 35(5) of Central Goods & Services Tax Act, 2017.
  • Advisory services relating to GST to clients.
  • Evaluation/ review of internal controls/checks being adopted by client for proper quantification and discharge of the taxes.
  • Review of Books of Accounts in terms of applicability of GST law on outward and inward supply transactions.
  • Preparation of Audit Report with applicable schedules and annexures including Reconciliation Statement as prescribed under law.

Manager (IDT) and Audit Executive

Gupta Raj & Co
Mumbai
11.2019 - 07.2021
  • Prepared and filed Goods and Service Tax (GST) returns, ensuring compliance with GST Act.
  • Conducted scrutiny of financial statements from GST perspective to identify discrepancies.
  • Represented clients before GST authorities regarding refund claims.
  • Drafted and filed GST appeals both online and offline, addressing client concerns.
  • Managed preparation and filing of Income Tax Returns and Tax Audit Reports for corporate and HNI clients.
  • Executed preparation and filing of TDS returns, including Form 16/16A and 15G/H forms for nationalized banks.
  • Performed reconciliation of online tax credits (Form 26AS) with TDS certificates, drafting replies to statutory notices.
  • Provided advisory services on Income Tax Law to clients, enhancing compliance understanding.

Education

CA -

Institute of Chartered Accountants of India
Delhi
05-2019

B.Com -

MLB College of Excellence
Gwalior
06-2013

12th -

Radiant Higher Sec School
Gwalior
03-2010

10th -

Radiant Higher Sec School
Gwalior
03-2008

Skills

  • SAP and Microsoft Office
  • Credit assessment and financial analysis
  • Financial forecasting and data analysis
  • Tally and Finacle expertise

Languages

  • Hindi
  • English
  • Marathi

Personal Information

Personal information

  • Gender: Male
  • Marital status: married
  • Hobbies: playing badminton, traveling and exploring new places
  • Strengths: Responsible, self-controlled, effective listener
  • Location: Pune

Timeline

Credit Analyst

Axis Bank Ltd
02.2022 - Current

Associate

TR Chadha & Co LLP
07.2021 - 01.2022

Manager (IDT) and Audit Executive

Gupta Raj & Co
11.2019 - 07.2021

CA -

Institute of Chartered Accountants of India

B.Com -

MLB College of Excellence

12th -

Radiant Higher Sec School

10th -

Radiant Higher Sec School

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Ayush Gupta