CA RAKESH SHARMA
Summary
Associate Chartered Accountant (ACA), qualified in March 2021, with 3+ years of experience in credit risk and LAP underwriting.
Currently working as Credit Manager – Loan Against Property at Kotak Mahindra Bank, managing secured lending proposals, credit risk assessment, and financial due diligence. Proven record of handling a ₹350+ Crore annual portfolio, evaluating 180+ proposals annually, and maintaining an average sanction turnaround time of 3 working days while ensuring regulatory compliance.
Overview
2
2
Languages
10
10
years of professional experience
Work History
LAP-Credit Manager
Kotak Mahindra Bank Ltd
04.2023 - Current
- Underwrite LAP proposals for salaried, self-employed, and business customers.
- Handling entire loan application process which includes analysis of profile, documents and financial parameters, preparation of CAM for assessing the Credit Worthiness of Corporates & Firms.
- Conducting Personal Discussions (PD) with customer to understand his financial needs, business model, cash flow, end use of funds and collateral related aspects.
- Preparing Credit Reports/CRAN by including Profile of the Counterparty, Key Rating Considerations, Credit Risk Assessment with Analyzing the Business Model, identifying Strength & Weakness/ Risk & also build forecast models.
- Coordinating with internal teams like RCU, Operations and Legal/Technical with Business Team in terms of resolving the discrepancies in processing of loan files.
- Adept at processing loan proposals within defined TAT while ensuring full compliance with regulatory and internal standards contributing to the growth of the organization.
- Evaluate collateral using legal and technical due diligence reports.
Audit Manager
CAG and Company
New Delhi
01.2022 - 03.2023
- Led audit teams in assessing financial compliance and risk management.
- Developed audit plans to ensure thorough examination of client operations.
- Reviewed financial statements for accuracy and adherence to regulations.
- Analyzed internal controls to identify areas for improvement.
- Trained junior staff on auditing standards and best practices.
Audit Assistant
S. Sahoo & Co.
New Delhi
05.2016 - 01.2022
- Assisted in conducting financial audits for various clients.
- Performed bookkeeping and accounting consulting services.
- Prepared detailed audit documentation and reports for management review.
Education
Chartered Accountant -
The Institute of Chartered Accountants of India
03-2021
B.Com(A/F) -
Indira Gandhi National Open University
06-2016
Skills
- Salesforce Microsoft Excel Word PowerPoint Outlook Power BI Finacle
Languages
English
Upper Intermediate (B2)
B2
Hindi
Proficient (C2)
C2
Accomplishments
- - Top Gun Award – Q1 FY25
Current Address
S-137, School Block, Shakarpur Laxmi Nagar, New Delhi, 110092
Father Name
Ram Prasad Sharma
DOB
17/01/1994
Marital Status
Married
Home Town
Madhubani
Timeline
LAP-Credit Manager
Kotak Mahindra Bank Ltd
04.2023 - Current
Audit Manager
CAG and Company
01.2022 - 03.2023
Audit Assistant
S. Sahoo & Co.
05.2016 - 01.2022
Chartered Accountant -
The Institute of Chartered Accountants of India
B.Com(A/F) -
Indira Gandhi National Open University