Gagandeep Singh
Varanasi
Summary
Seasoned Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss,bringing several years of related experience to support business financial needs. Specializing in credit administration.
Overview
13
13
years of professional experience
Work History
Credit Manager
HDFC Bank
Varanasi
10.2022 - Current
- Managed credit risk assessments for loan applications and customer profiles.
- Collaborated with sales teams to align credit terms with customer needs.
- Ensured compliance with regulatory requirements in all credit transactions.
- Reviewed and approved high-value loan applications in accordance with policies, having approving authority of up to Rs.1 cr.
- Assessed customer creditworthiness based on financial reports, payment histories and other sources of information.
- Preparation of Credit assessment notes covering detailed analysis of business, industry,management and financials.
- Reviewed accounts for signs of fraud and non-payment issues amd managed quality portfolio.
Deputy Manager - II
ICICI Bank Ltd.
Noida
04.2022 - Current
Audit Assistant
M/s Shivaji Alok & Co, Chartered Accountants
Varanasi
07.2017 - 03.2022
- Process Risk and Audit
- Audit of Advances Disbursed related to Commercial Equipments and Vehicles.
- Statutory Audit
- Conducted Audit of Sole Proprietorship Firms, Charitable & Religious Trusts, Partnership firms, Various private limited companies engaged in real estate businesses, wholesale and trading businesses.
- Verified and analyzed Financial Statements
- Carried out Tax Audit under section 44AB of Income Tax Act’ 1961.
- Internal Audit
- Conducted Internal audit of various clients including review of compliance with laws & regulations.
- Accounting & Other Miscellaneous Works
- Conducted accounting Entries for finalization of Books of Trusts, Partners, Other Individuals as well.
- Conducted ROC Work during the tenure of articleship period.
- Conducted Stock Audit (Physical Verification) on behalf of Patanjali Distributors.
- Taxation
- Prepared replies and documentation of scrutiny cases under the Income Tax
- Prepared and documented Appeal matters related to the Income Tax
- Prepared replies and documentation of SCN issued under Goods and Service Tax Act.
- Prepared and filed Income Tax Returns
- Scrutinized compliance of TDS requirements under the Income Tax
- Performed procedural compliance of GST, i.e. GSTR-1, GSTR-3B, GSTR-9 & GSTR-9C of company having Turnover of more than Rs.500 crores & LLP having Turnover of more than Rs.100 crores, registration Procedures as well.
- Bank Audit
- Performed Statutory Audit of various branches of the various Bank.
- Prepared CMA Reports for Loan Approvals
Article Assistant
M/s Shivaji Alok & Co, Chartered Accountants
Varanasi
04.2013 - 04.2016
Education
Chartered Accountancy -
The Institute of Chartered Accountants of India
01.2022
B.Com. -
Shri Harishchandra P.G. College
Varanasi01.2013
Class XII -
Guru Nanak English School
Varanasi01.2010
Class X -
Happy Model School
Varanasi01.2008
Skills
- MS Excel
- MS Word
- Tally
- CompuTax Software
- Finacle
- SAP
- Soft skills
- Attention to details
Hobbies And Extra Curriculars
- Active participant in debates, group discussions in school and during OT & MCS trainings
- Chess
- Cricket
- Road Trips
- Fond of teaching, have taught many students till now
Personal Snippets
Amarjeet Singh, Mahendra Kaur
Languages
- Hindi
- Punjabi
- English
- Hindi
- Punjabi
Work Undertaken
Audit of Advances Disbursed related to Commercial Equipments and Vehicles., Conducted Audit of Sole Proprietorship Firms, Charitable & Religious Trusts, Partnership firms, Various private limited companies engaged in real estate businesses, wholesale and trading businesses, Verified and analyzed Financial Statements, Carried out Tax Audit under section 44AB of Income Tax Act’ 1961., Conducted Internal audit of various clients including review of compliance with laws & regulations., Conducted accounting Entries for finalization of Books of Trusts, Partners, Other Individuals as well., Conducted ROC Work during the tenure of articleship period., Conducted Stock Audit (Physical Verification) on behalf of Patanjali Distributors., Prepared replies and documentation of scrutiny cases under the Income Tax, Prepared and documented Appeal matters related to the Income Tax, Prepared replies and documentation of SCN issued under Goods and Service Tax Act., Prepared and filed Income Tax Returns, Scrutinized compliance of TDS requirements under the Income Tax, Performed procedural compliance of GST, i.e. GSTR-1, GSTR-3B, GSTR-9 & GSTR-9C of company having Turnover of more than Rs.500 crores & LLP having Turnover of more than Rs.100 crores, registration Procedures as well., Performed Statutory Audit of various branches of the various Bank., Prepared CMA Reports for Loan Approvals.
Personal Information
- Age: 30
- Date of Birth: 07/01/92
- Gender: Male
Timeline
Credit Manager
HDFC Bank
10.2022 - Current
Deputy Manager - II
ICICI Bank Ltd.
04.2022 - Current
Audit Assistant
M/s Shivaji Alok & Co, Chartered Accountants
07.2017 - 03.2022
Article Assistant
M/s Shivaji Alok & Co, Chartered Accountants
04.2013 - 04.2016
Chartered Accountancy -
The Institute of Chartered Accountants of India
B.Com. -
Shri Harishchandra P.G. College
Class XII -
Guru Nanak English School
Class X -
Happy Model School