G Rajesh
Chartered Accountant
Begumpet, Hyderabad
Summary
Passionate and self-motivated chartered accountant with +4 years of experience in underwriting retail loans. Skilled in risk analysis for banks & financial institutions, proven experience in assessment of credit worthiness of client companies. Wide background in analysis of financial statements including cash flow and evaluating key performance indicators in comparison to peer companies. Sound knowledge of compliance, legal, payroll and tax issues in credit approval. Inclined towards improving existing processes and driving automations. Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
Overview
5
5
years of professional experience
4
4
years of post-secondary education
Work History
Area Credit Manager
ICICI bank limited
12.2020 - Current
- Responsible for doing credit underwriting, credit appraisal for Home loans, Business installment loans, Personal loans and Auto loan activities and had proven experience in handling high portfolio cases
- Conduct thorough financial statement analysis including income statements, balance sheets and cash flow statements to evaluate borrower's financial health
- Assess creditworthiness of loan applicants by analyzing financial documents, credit reports and relevant information
- Preparing detailed credit reports and presenting findings to senior management for review and approval
- Monitoring loan portfolio performance and proactively identify and address potential credit issues
- Ensure compliances with regulatory requirements and internal policies
- Assisted in development and implementation of credit policies and procedures
- Participated in training sessions and professional development activities to stay updated in industry trends and best activities
- MIS & Data analytics
- Experience in preparation of MIS for management decision making
- Incorporated analytics tools to track usage and performance metrics, enabling team to make data-driven decisions (Analytics on turnaround time, multiple requests & exception reports)
- Conducted regular audits of client accounts to detect any discrepancies or signs of fraud early on, minimizing potential risks associated with defaulting customers.
- Evaluated and negotiated contracts to procure favorable financial terms.
- Utilized financial software to prepare consolidated financial statements.
- Mitigated potential losses by conducting thorough due diligence on high-risk customers.
- Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Optimized credit approval and collection processes, improving operational efficiencies by over 90%
Paid Assistant
B V Swami & Co
02.2020 - 09.2020
- Review of financials statements and its compliance with companies Act 2013, Accounting Standards, and guidance note issue by ICAI for various industries.
- Reviewed financial statements and tax audits in detail to identify correct discrepancies.
- Maintained updated chart of accounts following procedures and including current, accurate details.
- Reconciled monthly bank statements and resolved discrepancies.
- Handling e filing of tax returns - Income Tax, GST and customs duty.
Education
Chartered Accountant -
The Institute of Chartered Accountants of India
Hyderabad 07.2015 - 11.2019
MBA - Finance -
Osmania University
Hyderabad 05.2018 - 2021.05
Bachelor of Commerce -
Palamuru University
Hyderabad 03.2015 - 2018.05
Skills
Audit Exposure
Hands on experience in working with internal audit team, SOX compliances and statutory audit for closure of audit queries.
Personal Information
Date of Birth: 01/04/97
Languages
English
Telugu
Telugu
Additional Information
Awards:
Received Award from ICICI Credit Head and Policy for Providing services adhere to Policies and Process of Company
Timeline
Area Credit Manager
ICICI bank limited
12.2020 - Current
Paid Assistant
B V Swami & Co
02.2020 - 09.2020
MBA - Finance -
Osmania University
05.2018 - 2021.05
Chartered Accountant -
The Institute of Chartered Accountants of India
07.2015 - 11.2019
Bachelor of Commerce -
Palamuru University
03.2015 - 2018.05
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