CA Megha Sarda
Nasik
Summary
Area Credit Manager experienced in credit management and team leadership. Achieved credit KPIs and ensured regulatory compliance while overseeing multiple locations, contributing to organizational growth and efficiency. Committed to fostering a challenging and healthy work environment that drives collective success.
Area Credit Manager with a strong focus on credit risk assessment and compliance management. Successfully led a team across multiple locations, achieving key performance indicators and enhancing operational efficiency. Committed to fostering a collaborative work environment that supports organizational growth.
Overview
15
15
years of professional experience
Work History
Area Credit Manager
Bandhan Bank Limited
Nashik
02.2025 - Current
- Handling SME, PRIME LAP and HL verticals of Prime and Affordable.
- Managed team of five customer managers to drive effective operations.
- Oversaw operations across six locations from Nashik, reporting directly to RCM in Pune.
- All credit KRA are maintained and followed.
- Handling 3 different sales team for 3 different Verticles
- Conducted in-person product demonstrations to effectively showcase offerings to customers.
- Software consist of SFDC and EBIX
- Resolution on Audit queries and vendor management
Credit Manager and promoted ACM
Aditya Birla Finance Limited
Nashik
01.2022 - 01.2025
- Gained exposure to small ticket loan application processing
- Managed operations across three locations: Pune, Kolhapur, and Nashik
- Reported directly to RCM regarding project updates
- Conducted physical property due diligence at all locations
- Follow up witoh Legal vendors t process file within TAT
- Performed physical PD at all locations
- Have knowledge and familiarity working with software Lentra and LOS
- Resolved audit queries and ensured statutory compliance
Branch Credit Manager (Deputy Manager)
IIFL Home Finance Ltd.
Nashik
03.2018 - 01.2022
- Reporting to the RCM and functional reporting to ZCH
- Sanction Authority up to 50 Lakhs for Salaried Cases and 35 Lakhs for Self employed cases.
- Managed operations of home loan department.
- Conducted daily follow-ups with external vendors of PD, FCU, FI legal, and technical teams to ensure timely processing of files.
- Daily follow-up with external Vendors of PD FCU FI legal and Technical to process the file within TAT.
- Prepared CAM and conducted ratio analysis for high-value cases, including banking assessments and customer meetings.
- Supervised credit officers by assigning tasks and monitoring performance.
- Executed physical operational tasks and disbursed dockets as the authorized credit personnel for the Nashik branch.
- Resolved audit queries and ensured statutory compliance, enhancing operational knowledge through ongoing opportunities.
Assistant Manager in Direct Taxation
Skorydov Systems Private Limited
Nashik
05.2017 - 03.2018
- Thorough knowledge of the Income Tax Sections and their applicability
- Studied GST provisions and rules to ensure compliance.
- Reviewed recent updates in direct taxation for informed advising.
- Filed individual returns and handled notices, while also ensuring accurate filing of GST returns.
- Prepared various certificates including form 15CA, 15CB, net worth certificate, and ECB certificate to support client compliance.
- Provided expert guidance to clients on taxation matters for clarity.
Article Assistant
Kamdar Desai & Patel Chartered Accountants
02.2012 - 07.2015
- Prepared and timely e-filed income tax returns for corporate and non-corporate assesses.
- Assisted in income tax scrutiny cases by compiling documents, coordinating with clients, and visiting income tax offices to ensure compliance.
- Developed a comprehensive understanding of income tax and company law, enabling effective application in practical scenarios.
- Performed Statutory Audits of groups of private limited companies primarily in the business of manufacturing & trading.
- Independently handled Tax Audits of partnership firms & private limited companies of clients from various industries like agriculture, chemicals, hardware and IT.
- Led audit team of 5 in finalization of financial statements, coordinating with clients to achieve timely completion and accuracy.
- Assisted the Audit Manager in performing audit functions on-site & back office to ensure that financials were fairly presented.
- Drafted statutory and tax audit reports, ensuring clarity and compliance with regulations.
- Performed stock audits for various clients engaged in exports.
- Engaged in FEMA related work like preparing Form 15CA & Form 15CB, FC- TRS reports, incorporation & closure of liaison offices.
- Incorporated Companies in India for Foreign clients, resignation of directors, etc.
Education
SSC -
Kilbil St. Joseph High School
NasikHSC -
B.Y.K College of Commerce
NasikB.Com -
R.A. Podar College
MatungaCPT -
The Institute of Chartered Accountants of India
IPCC - Group 1
The Institute of Chartered Accountants of India
IPCC - Group 2
The Institute of Chartered Accountants of India
Final - Group 1
The Institute of Chartered Accountants of India
Final - Group 2
The Institute of Chartered Accountants of India
Skills
- Credit risk assessment
- Credit analysis
- Loan restructuring
- Underwriting expertise
- Collateral assessment
- Cash flow analysis
- Financial forecasting
- Portfolio management
- Compliance management
- Risk assessment
- Vendor relations
- Credit policy formulation
- Credit evaluations
- Team leadership
- Team development
- Effective communication
Accomplishments
- Won gold and silver medal at running, cricket and chess competitions organised by ICAI in 2013, 2014 and 2015.
- Represented the school at District level in Basketball tournament.
- Represented Podar College in inter-college cricket team in the year 2011 where the team stood runners-up at the event.
- Actively participated and won laurels for school at elocution, drawing & dance competitions.
Hobbies and Interests
- Listening to music
- Dancing
- Swimming
- Martial Arts
- Playing chess
- Other outdoor sports
Languages
- Listening to music
- Dancing
- Swimming
- Martial Arts
- Playing chess
- Other outdoor sports
Personal Information
- Listening to music
- Dancing
- Swimming
- Martial Arts
- Playing chess
- Other outdoor sports
Timeline
Area Credit Manager
Bandhan Bank Limited
02.2025 - Current
Credit Manager and promoted ACM
Aditya Birla Finance Limited
01.2022 - 01.2025
Branch Credit Manager (Deputy Manager)
IIFL Home Finance Ltd.
03.2018 - 01.2022
Assistant Manager in Direct Taxation
Skorydov Systems Private Limited
05.2017 - 03.2018
Article Assistant
Kamdar Desai & Patel Chartered Accountants
02.2012 - 07.2015
SSC -
Kilbil St. Joseph High School
HSC -
B.Y.K College of Commerce
B.Com -
R.A. Podar College
CPT -
The Institute of Chartered Accountants of India
IPCC - Group 1
The Institute of Chartered Accountants of India
IPCC - Group 2
The Institute of Chartered Accountants of India
Final - Group 1
The Institute of Chartered Accountants of India
Final - Group 2
The Institute of Chartered Accountants of India