CA Karishma Sinha
Bengaluru
Overview
10
10
years of professional experience
Work History
Credit Manager
HDFC bank
Bangalore, India
03.2025 - Current
- Conduct comprehensive risk-based internal audits of retail and commercial banking operations and credit portfolios (COSO, GAAP, SOX)
- Prepared detailed income assessment/CAM sheets, Evaluated borrower profile
- Conduct financial statement analysis for self-employed business using key analysis ratios
- Conduct AIS analysis to track TDS and TCS deductions and reconcile with gross revenue
- Assessed the creditworthiness of salaried applicants by analyzing income, existing obligations and determined loan eligibiltity
- Underwrote corporate credit proposals with individual ticket size upto Rs. 10 Crores
Executive
Singhivi Dev and Unni LLP
Bangalore
08.2024 - 01.2025
- File form GSTR-1, GSTR-3B, GSTR-9 and reconciliation statement of GSTR- 9C of Sole proprietor and Private limited Companies
- Reconciled form GSTR-3B with outward register and inward register and form GSTR - 1 with Outrward register
- Supported drafting reply of audit oberservation, synopsis and reply of show cause notice
Article assistant
Minesh Jain and associates
02.2017 - 01.2020
- Conducted internal audit of key processes such as procure to pay, Joining to sepatration and IT control of key processes
- Highlighted issue of split PO which was done by Bypass SOA matrix
- Conducted special audit of vendor selection and implemented process of vendor GST verification
- Conducted process walkthroughs and supported RCM drafting and IFC testing for procure to pay process
- Prepared financial statements and book of accounts of sole proprietor , trust and LLP and tax audit of sole properitor and LLP
- Prepared CMA reports, cross-checked TDS and TCS working .
Education
50.15% -
CA final
ICAI 52% -
CA Inter
ICAI50% -
CMA Inter
ICMAI 59.55% -
BCOM
Pt. Ravi shankar shukla University71.40% -
12th
CBSE76% -
10th
CBSESkills
- Credit analysis techniques
- Adaptability
- Analysis of financial statement
- Risk assessment
- Tax preparation and compliance
Timeline
Credit Manager
HDFC bank
03.2025 - Current
Executive
Singhivi Dev and Unni LLP
08.2024 - 01.2025
Article assistant
Minesh Jain and associates
02.2017 - 01.2020
50.15% -
CA final
52% -
CA Inter
50% -
CMA Inter
59.55% -
BCOM
71.40% -
12th
76% -
10th