CA Roma Vijayvargiya
Udaipur
Summary
Detail-oriented Chartered Accountant experienced in business credit management and data-driven analysis. Achieved a 0% default rate through optimized processes and enhanced operational efficiency, including a 30% reduction in credit approval turnaround times using Power BI and SQL. Focused on driving strategic improvements and cost reduction.
Overview
1
1
Certification
2
2
years of post-secondary education
7
7
years of professional experience
Work History
Chartered Accountant
Freelancer
Udaipur
01.2025 - Current
- Providing professional accounting, taxation and financial advisory services to clients.
- Handling Project Financing assignments, including financial analysis, project feasibility assessment and preparation of financial projections.
- Prepared financial projections and cash-flow statements to support bank finance and loan proposals.
- Assisted clients in developing project reports, CMA data, financial statements, and identifying funding requirements.
- Managing GST, Income Tax, TDS and other statutory compliances.
- Coordinated documentation and finance-related requirements with clients and financial institutions.
Relationship manager-Business Banking Group
ICICI Bank Limited
01.2025 - Current
- Managed ₹300 Mn portfolio, overseeing business credit operations from client onboarding to disbursement, ensuring timely and compliant service delivery.
- Led cross-functional teams in the execution of urgent credit disbursements, achieving a record TAT of 4 days.
- Streamlined credit approval workflows, reducing turnaround times by 30%.
- Conducted preliminary risk analysis in compliance with RBI guidelines, contributing to a 0% default rate.
- Coordinated with legal, compliance, technical, and product teams to resolve operational bottlenecks, enhancing workflow efficiency.
- Implemented strategies to optimize costs, reducing operational expenses by 15% through improved vendor management and negotiation of service agreements.
- Performed market gap analysis using Power BI, identifying high-conversion leads that surpassed central database performance.
Article Assistant
Laxmi Tripti & Associates
Udaipur
04.2019 - 04.2022
- Developed and maintained the audit plan for the bank.
- Classified non-performing assets and advances to improve financial reporting accuracy.
- Supported tax planning, preparation, and filing of Income Tax returns to optimize client tax positions.
- Completed regular income tax assessments and income tax hearings.
- Planned, prepared, and filed income tax returns.
- Conducted tax audits for various assesses under section 44 AB of the IT Act, 1961 and prepared Form 3CD.
- Ensured compliance with TDS provisions.
- Managing Accounting operations, Accounting reporting and Reconciliations.
- Preparing Correspondence, accounting and financial documents for analysis.
- Utilized the GST portal for reconciliation between 2A, 3B, and books of accounts with knowledge of GST in Tally.
- Conducted annual GST audits and prepared annual returns in Form GSTR-9C and Form 9.
Guest Faculty | GST
Mohanlal Sukhadia University
Udaipur
01.2022 - 03.2022
- Instructed B. Com Final Year students in Goods and Services Tax (GST), enhancing their foundational knowledge.
- Delivered engaging lectures on key GST concepts and practical applications, facilitating deeper student comprehension.
- Explained GST concepts through practical examples and real-world applications.
- Assisted students in developing a clear understanding of GST compliance and taxation concepts.
- Led interactive sessions to address academic queries, fostering a supportive learning environment for students.
Education
CA -
The Institute of Chartered Accountants of India
Master of Commerce - ABST
Mohanlal Sukhadia University Udaipur
05.2017 - 05.2019
Skills
- Credit & Risk Analysis
- Tax Compliance
- Financial Projections
- Accounting Software
- PowerBI
- Excel
- Operations Management
- Account Management
- Business Analytics & Research
- Team Collaboration & Leadership
- Verbal communication
Certification
- Virtual Audit Certificate from PWC Switzerland at Forage Certificate Course on Forensic Audit & Fraud Detection.
- Completed Advanced MCS Course and Orientation Training conducted by ICAI.
- Completed 100 Hours IT Training Conducted by ICAI.
- McKinsey forward learning program
Accomplishments
1st Position - Commerce Olympiad Udaipur 2014
Timeline
Chartered Accountant
Freelancer
01.2025 - Current
Relationship manager-Business Banking Group
ICICI Bank Limited
01.2025 - Current
Guest Faculty | GST
Mohanlal Sukhadia University
01.2022 - 03.2022
Article Assistant
Laxmi Tripti & Associates
04.2019 - 04.2022
Master of Commerce - ABST
Mohanlal Sukhadia University Udaipur
05.2017 - 05.2019
CA -
The Institute of Chartered Accountants of India