CA Aman Gangwal
Jaipur
Summary
Results driven finance professional with proven expertise in risk management and credit portfolio management, adept at analysing financial data, assessing credit risk, and implementing strategies to optimise asset quality. Possessing a strong track record in enhancing portfolio performance and ensuring regulatory compliance, I am seeking new opportunities where I can leverage my skills and experience to support organisational growth and deliver sustainable value.
Overview
9
9
years of professional experience
Work History
Manager (Credit Risk Department)
AU Small Finance Bank Ltd.
Jaipur
10.2019 - Current
- Accountable for proficiently monitoring the Credit Portfolio & Risk Assessment to achieve financial accountability and transparency with focus on customer activation and on improvement of portfolio quality.
- Reviewing the Bank’s portfolio sourced to identify any Early Warning Signals (EWS) through monitoring the Non Starter and Early delinquency cases on monthly basis and ensuring resolution of the same.
- Performing loan segment and customer profile wise delinquency analysis and highlighting the risk identified and trigger breaches during the month.
- To ensure proper compliance and due diligence during follow up of the policies of the Bank at the time of underwriting of every proposal.
- Highlighting and visiting the branches that breach the stress triggers laid down by the management.
- Publishing monthly Risk Dashboards to the Top Management analysing the M-o-M performance of the portfolio.
- Examining the loan files to ensure proper documentation along with risk scorecards was attached.
- Conducting system audit in LOS and ensuring any instances of sanctioning authority breaches are duly highlighted on timely basis.
- Visiting any new Channel or dealer on boarded and analysing any critical risk along with preparation of the report on their setup and the quality of stock maintained.
- Ensuring timely supervision on performance risk by analysing the performance of Credit managers through the quality of sourcing done by them.
- Highlighting all instances of poor underwriting quality from time to time.
- To ensure all audit observations highlighted by the regulators are getting tracked and duly complied with.
- Handled Credit Risk Management Committee (CRMC) conducted Quarterly presented to the Top Management, to showcase the risk identified during the quarter and actions taken over to treat/ mitigate/ minimize them.
- Actively taken part in organisation of Risk Management Committee of Board (RMCB) presented to the Board of Directors by the Chief of Credit Risk before declaration of the Quarterly results to highlight the actions undertaken to mitigate the risks identified.
- Active member of the committee of AUSFB framed to monitor the sourcing done and resolve the issues of the borrowers under the initial phase of Emergency Credit Line Guarantee Scheme (ECLGS) launched by the Government of India and regulated by the National Credit Guarantee Trust Co. Ltd. (NCGTC) to extend financial help during the COVID pandemic.
- Mentoring juniors and fresh recruits regarding their well-being, short & long term career objectives, professional expectations and compliance related concerns.
Executive (Credit)
Jana Small Finance Bank Ltd.
Jaipur
03.2018 - 08.2018
- Reviewing loan requests
- Assessing clients’ financial status
- Evaluate creditworthiness and risks
- Contact clients to gather financial data and documentation
- Analyze risks and approve or reject loan requests
- Calculate financial ratios (e.g. credit scores and interest rates)
- Handling various services of Retail Banking including disbursement of various categories of banking instruments including fixed deposits and savings bank accounts
- Team Leading for fulfilment of monthly targets
- Initiating and maintaining healthy customer relationships.
- Other matters related to banking operations
Audit & Taxation Manager
Sanjay Ajmera & Co., Chartered Accountants
06.2016 - 04.2017
- Statutory Audits of firms & companies which included: Preparation of Financial Statements & Audit Report including matters related to CARO as per the provisions of Companies Act.
- Compliances of various Accounting Standards majorly AS-5, AS-9, AS-10, AS-28 and AS-29.
- Verification, vouching, reconciliation, Ledger scrutiny, third party verification, stock verification and ROC related matters.
- Statutory Audits of Banks (SBBJ, OBC) including examining various aspects related to LFAR and classification and verifications of NPA loans & Advances, reviewing calculation and payment of statutory dues along with examining and verifying correctness of physical documents of loans granted.
- Internal Audit of companies involving verification of Revenue Bills and a check on debtors ageing on regular basis, valuation and physical verification of stock of containers and other matters and also reviewing the calculation and regular payment of the statutory dues.
- Tax Audit of eligible companies where the scope of work included preparation of Tax Audit Reports 3CA, 3CB & 3CD. Dealing with statutory compliances of Income Tax Act 1961 along with verification, vouching, reconciliation, Ledger scrutiny, third party verification, and stock verification and filing of ITRs.
Education
Chartered Accountant -
The Institute of Chartered Accountants of India (ICAI)
New Delhi11.2018
Company Secretary -
The Institute of Company Secretaries of India (ICSI)
New Delhi06.2019
Master of Commerce - Accounting & Business Statistics
University of Rajasthan
01.2019
Bachelor of Commerce (Hons.) - Accounting & Business Statistics
University of Rajasthan
01.2014
Skills
- Risk Advisory
- MS - Excel
- Credit Monitoring
- Financial Analyst
- MS - PowerPoint
- Team Player
- Statutory Audit
- MS - Word
- Power BI
Accomplishments
- BRAVO Award (Employee of the Quarter) for five continuous quarters from FY 22-23 and 23-24 – awarded to the best-performing employees during the quarter for showcasing excellent quality work with full dedication and commitment
- Parakram Award (Bank Level Quiz on Finance and Banking Knowledge) – awarded with the “Parakram” for being among the top five employees of AUSFB in the bank level quiz conducted on finance and banking knowledge
- Exemption in four subjects in CA Final: Financial Reporting, Advanced Management Accounting, Information Systems Control and Audit, and Indirect Tax Laws
- Exemption in two subjects in CA IPCC: accounting and auditing
Hobbies and Interests
- Singing
- Dancing
- Sketching
Personal Information
- Father's Name: Mr. Pramod Kumar Gangwal
- Date of Birth: 07/26/93
Timeline
Manager (Credit Risk Department)
AU Small Finance Bank Ltd.
10.2019 - Current
Executive (Credit)
Jana Small Finance Bank Ltd.
03.2018 - 08.2018
Audit & Taxation Manager
Sanjay Ajmera & Co., Chartered Accountants
06.2016 - 04.2017
Chartered Accountant -
The Institute of Chartered Accountants of India (ICAI)
Company Secretary -
The Institute of Company Secretaries of India (ICSI)
Master of Commerce - Accounting & Business Statistics
University of Rajasthan
Bachelor of Commerce (Hons.) - Accounting & Business Statistics
University of Rajasthan
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