Madhuvani Annam
Hyderabad
Summary
Highly skilled Chartered Accountant with 7 years of post-qualification experience in financial analysis and credit management within the banking and infrastructure sectors. Adept at leveraging advanced financial modeling and analysis to drive strategic decision-making and optimize financial performance. Proven track record in developing and managing budgets, performing detailed variance analysis, and delivering insightful financial reports. Experienced in leading cross-functional teams and collaborating with key stakeholders to achieve organizational goals. Committed to applying a strategic mindset and analytical rigor to support business growth and financial stability.
Overview
7
7
years of professional experience
Work History
Senior Manager - Finance & Accounts
Vishwa Samudra Engineering Pvt Ltd
07.2020 - Current
- Prepared and submitted comprehensive CMA (Credit Monitoring Arrangement) data to banks, ensuring accuracy and facilitating smooth approval processes for project and working capital financing
- Developed cash budgets in alignment with bankers' requirements, optimizing cash flow management and ensuring financial stability for ongoing and future projects
- Assisted in creating financial models for HAM (Hybrid Annuity Model) loans, enhancing project financing strategies and aligning with regulatory and financial standards
- Organized and led consortium meetings for working capital limits, effectively coordinating with multiple banks to secure necessary financial support and resolve any issues
- Arranged and facilitated fund raising for equipment financing, enabling timely acquisition and deployment of essential machinery
- Performed detailed Internal Rate of Return (IRR) calculations for debt financing options, providing critical insights into project viability and financial returns
- Negotiated favorable terms and conditions with financial institutions, optimizing funding structures and reducing overall borrowing costs
- Ensured timely submission of compliance documents and financial reports to banks, maintaining a 100% compliance rate and preventing any regulatory penalties
- Directed comprehensive financial planning and analysis, including forecasting, budgeting, and variance analysis, contributing to increase in project profitability
- Developed and presented detailed Management Information System (MIS) reports, offering actionable insights that enhanced operational efficiency
- Monitored and analyzed financial performance across projects, identifying areas for cost reduction and revenue enhancement
- Assisted in initiating Annual Operating Plan (AOP) in the Company for the first time.
Deputy Credit Manager
Lakshmi Vilas Bank
04.2017 - 06.2020
- Scrutiny of loan proposals under MSME
- Meeting prospective customer introduced by Branch heads
- Processing and appraisal of MSME loan proposals for and recommended for sanction to sanctioning authority at Regional office (delegation upto Rs
- 500 Lakhs) and for onward recommendation to Corporate Office (delegation above Rs.500 Lakhs)
- Effectively assessed credit risk and (current and potential) client viability, analyzing financial statements and cash flow of customers
- Performed (quantitative and qualitative) analysis of requests for loans and lines of credit
- Ensured policies and procedures accorded with department's standards
- Preparation of sanction letter / advise to branches for onward issuance to applicant
- Processing / appraisal of retail loan products
- Officer for correct classification in corporate and MSME Accounts.
Education
Chartered Accountant -
ICAI Delhi
Delhi, Delhi11.2016
B.com -
Vikrama Simhapuri University
Andhra Pradesh, Andhra Pradesh04.2014
Skills
- Attention to Detail
- Problem Solving
- Data Analysis & Visualization
- Advanced Excel Skills
- Financial Modeling
- Budgeting & Forecasting
- Variance Analysis
- Strategic ERP
- Tally ERP9 / Prime
- MS office
Languages
English
Telugu
Kannada
Hindi
Timeline
Senior Manager - Finance & Accounts
Vishwa Samudra Engineering Pvt Ltd
07.2020 - Current
Deputy Credit Manager
Lakshmi Vilas Bank
04.2017 - 06.2020
Chartered Accountant -
ICAI Delhi
B.com -
Vikrama Simhapuri University
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