Devisree M
Kakkanad
Summary
A qualified MBA professional with over 6.8 years’ experience in the areas of Credit Analysis, Credit Risk Assessment, KYC, Payroll processing, Accounting and Taxation. Have worked on JIRA platform, and also having 3-year experience in Workday. Have worked on Tally ERP9 and have gained experience in basic accounting practices. Experience of handling accounting activity for a Small and Medium Enterprise.
Overview
11
11
years of professional experience
1
1
Language
Work History
Associate- Payroll
TAG India Pvt Ltd
03.2023 - Current
- Gather information on hours worked for each employee
- Handling Payroll related queries using ticketing tools like ServiceNow and Jira
- Calculate the correct amount incorporating overtime, deductions etc
- Receive approval from upper management for payments when needed
- Coordinating with payroll vendors for monthly salary disbursement
- Working on monthly reports relating to compensation change, promotions, transfers etc
- Keep track of hour rates, wages, compensation benefit rates, new hire information etc.
- Address issues and questions regarding payroll from employees and superiors
- Prepare reports for upper management, finance department etc.
Officer - Credit Risk Assessment
HDFC Sales Pvt Ltd
11.2020 - 08.2022
- Handling Credit Analysis primarily for Home Loan applications
- Ensuring that the data filled up by the customer in application form is complete and accurate
- Ensure credit policies and procedures are followed according to the guidelines provided by the company
- Sources of own contribution should be probed and supporting documents should be collected
- Applicants existing credits will be counter checked with CIBIL as well as with documents like bank statement
- Bank statements need to be cross checked with the salary slip and the existing repayment tracks. Any inconsistency needs to be checked and explained
- The details of the property intended to purchase should be matched with sale agreement or deed
- Examine and review loan and credit applications and make recommendations for loan approval
- Applicant's savings and investment information should be collected for the credit worthiness with the supporting documents
- The convenient repayment mode should be confirmed with the customer like ECS, PDC, DAS, SI, etc.
- Approve or cancel credit applications based on customer's eligibility and profile
- Applicant's default and delinquent payments seen in CIBIL report should be probed with supporting documents
- Instruct customers on adjusting their loan amounts and tenure according to their income and obligations and thereby ensure that they get maximum loan amount they are eligible for
- Understanding the financial position and repayment capacity of the customer based on his profile and documents provided and ensure customer does not make any defaults
- Income appraisals vary depending on whether the applicant is RI, NRI or is in Merchant Navy. We need to compute last 6 months cash flow for NRI customers.
Officer - Credit Risk Assessment
HDFC Sales Pvt Ltd
12.2016 - 08.2017
- Handling Credit Analysis primarily for Home Loan applications
- Ensuring that the data filled up by the customer in application form is complete and accurate
- Ensure credit policies and procedures are followed according to the guidelines provided by the company
- Sources of own contribution should be probed and supporting documents should be collected
- Applicants existing credits will be counter checked with CIBIL as well as with documents like bank statement
- Bank statements need to be cross checked with the salary slip and the existing repayment tracks. Any inconsistency needs to be checked and explained
- The details of the property intended to purchase should be matched with sale agreement or deed
- Examine and review loan and credit applications and make recommendations for loan approval
- Applicant's savings and investment information should be collected for the credit worthiness with the supporting documents
- The convenient repayment mode should be confirmed with the customer like ECS, PDC, DAS, SI, etc.
- Approve or cancel credit applications based on customer's eligibility and profile
- Applicant's default and delinquent payments seen in CIBIL report should be probed with supporting documents
- Instruct customers on adjusting their loan amounts and tenure according to their income and obligations and thereby ensure that they get maximum loan amount they are eligible for
- Understanding the financial position and repayment capacity of the customer based on his profile and documents provided and ensure customer does not make any defaults
- Income appraisals vary depending on whether the applicant is RI, NRI or is in Merchant Navy. We need to compute last 6 months cash flow for NRI customers.
Accounts Executive
Harsh Enterprises Haryana
04.2015 - 05.2016
- Taking care of Bill cutting and collecting purchase bills
- Entering journal entries on a daily basis
- Preparing bank reconciliation statements
- Maintaining Petty cash payment details
- Working on Tally Erp9
Education
MBA - Finance
Musaliar Institute of Management
01-2013
B.com - Computer Application
Kristu Jyoti College of Management & Technology
01-2011
12th - undefined
Kerala Board of Examination
01-2008
10th - undefined
Kerala Board of Examination
01-2006
Skills
Tally ERP 90, Crest
GST, Income Tax Return Filing and TDS
Sales and Purchase Billing
Peachtree Accounting Software
MS Office
Awards & Recognition
Have bagged the quarterly '1st Best Credit Coordinator' award at HDFC Sales (PAN India) for the period April - June'17., Had been adjudged as the best monthly performer 3 times at HDFC Sales (Panampilly Nagar) branch.
Timeline
Associate- Payroll
TAG India Pvt Ltd
03.2023 - Current
Officer - Credit Risk Assessment
HDFC Sales Pvt Ltd
11.2020 - 08.2022
Officer - Credit Risk Assessment
HDFC Sales Pvt Ltd
12.2016 - 08.2017
Accounts Executive
Harsh Enterprises Haryana
04.2015 - 05.2016
B.com - Computer Application
Kristu Jyoti College of Management & Technology
12th - undefined
Kerala Board of Examination
10th - undefined
Kerala Board of Examination
MBA - Finance
Musaliar Institute of Management