Summary
Overview
Work History
Education
Skills
Certification
Systemproficiency
Accomplishments
Timeline
Generic
HITAISH K. SHARMA

HITAISH K. SHARMA

F-92, West Patel Nagar, Delhi

Summary

Results-driven Professional with exceptional productivity and efficiency in task completion. Deep expertise in risk assessment, credit policy development, and financial analysis. Skilled in problem-solving, decision-making, and negotiation, enabling effective management of credit operations across regions.

Overview

12
12
years of professional experience
1
1
Certification

Work History

Regional Credit Manager

Loan Frame
Delhi
03.2022 - Current
  • Developed and implemented Organization & lenders' credit policies and procedures.
  • Review of Unsecured Business loans upto 100 lac & Channel finance up to 1000 lac appraisal raised by concern team member
  • Support in Anchor and Lender Onboarding activities.
  • Training to credit and sales team at the time of joining or refreshment training on policy, product, or changes in lenders' policy.
  • Assist the tech or product team with changes in the existing LOS and its upgrade to meet the market requirement.
  • Analyzed financial statements to assess customer creditworthiness for underwriting and onboarding anchors in Channel finance
  • Coordination with multiple lenders for case status, reports, policy updation, system changes, data, etc.
  • Prepared monthly reports of delinquent accounts for management review.
  • Conducted periodic reviews of existing customer accounts to ensure compliance with terms and conditions of the agreement.
  • Performed collection activities on past due accounts as necessary.
  • Worked with management to evaluate credit strategies and develop improvements.

Credit Manager

Aditya Birla Finance Limited
Delhi
09.2018 - 03.2020
  • Analyzed financial data to determine the degree of risk involved in Unsecured Business Loan appraisal up to 100 Lac
  • Assessed customer creditworthiness based on financial reports, payment histories and other sources of information.
  • Physical PD or video PD with customer for recommended case
  • Managing the vendor of FI, FCU etc.
  • Review the work of credit analyst or CPA and assist them so that they can be more productive
  • Training to credit analyst or CPA or fresher credit manager
  • Maintaining a healthy portfolio for the product by properly monitoring delinquent cases and analyzing the reasons thereof.
  • Regular follow-up with reporting manager for delinquencies and reasons for customers' defaults in payments.

Credit Manager

Capital First Limited
Jaipur (Rajasthan)
04.2017 - 09.2018
  • Underwriting of business loan up to 75 lac, and loan against property up to 1000 lac.
  • Managing and decision-making for the allocated cases within TAT.
  • Analyzing the creditworthiness of the customer.
  • Analyzing of Property paper, Legal & technical report pertaining to such proposal.
  • Underwriting of case, including analyzing financial statements, CIBILs, personal discussion with the customer, checking results of FI done by the agency, and preparation of PD report.
  • Preparation of IPR (initial proposal Report) for high ticket size case.
  • Recommend the deal to the credit committee or approval authority.

Practicing Chartered Accountant

Self Employed
Delhi
04.2020 - 02.2022
  • Independently collection and compilation of data for preparation of statutory audit report.
  • Ensuring compliance with accounting standards.
  • Prepared and filed income tax returns accurately.
  • Accounting work of different clients.
  • Ensuring proper registration of firms, societies, and companies in accordance with applicable legislation
  • Prepare project report, provisional financials, etc.

Senior Associate

Gopal Nathani & Associates, Chartered Accountants
Gurgaon
11.2016 - 04.2017
  • Analyzed financial data and prepared reports outlining findings and recommendations.
  • Conducted risk assessments to identify potential areas of fraud or non-compliance.
  • Identified discrepancies in financial documents, investigated causes, and proposed solutions.
  • Tax & statutory audit of companies, firm, and individual.
  • Assistance in income tax assessments (Income tax assessments including scrutiny assessment u/s 143, Income escaped assessment u/s 147 & search & seizure assessment u/s 153A & 153C)
  • Computation of income under the Income Tax Act, including MAT computation under section 115JB.

Articleship Trainee

Prakash K. Prakash, Chartered Accountants
New Delhi
02.2013 - 01.2016
  • Income tax return filing of companies, firm and individual
  • Certification work under income tax (e.g. 15CA, 15CB)
  • Miscellaneous submission/ response of notice issued by IT department
  • Preparation of financial statement as per Schedule III
  • Ledger scrutiny of sundry creditors/debtors, Fixed Assets, Sales & Receivables, Purchases & Payables, Inventory, Statutory Compliances, Provisions & Income & Expenses
  • Variance Analysis of current year figures with previous year figures
  • Physical verification of inventory & Cash
  • Ensuring compliance with accounting standards
  • Certification u/s 3(5) of SAD under custom Act.

Education

Chartered Accountant - Accounting and Finance

Institute of Chartered Accountant of India
New Delhi
11-2016

CS Executive Programme - Auditing

Institute of Company Secretary of India
Delhi
06-2015

B.Com - Banking And Financial Support Services

Maharshi Dayanand University (MDU)
Rohtak, Haryana
05-2011

12th - History

HBSE
Bhiwani, Haryana
04-2008

Skills

  • Proficient with Finnone, R-System & E-cal, Polaris and other reporting portal of organisation
  • Credit evaluations
  • Experience of Oracle, Tally and In-house developed software packages of various companies (as an Auditor)
  • Proficient with MS-Office applications (Word, Excel and Power Point)
  • Credit Reports
  • Fraud understanding

Certification

Credit Risk master class on unsecured lending

Systemproficiency

  • Good command on Finnone, R-System & E-cal and other reporting portal of organisation.
  • worked on Oracle, Tally and In-house developed software packages of various companies (as an Auditor)
  • Proficient with MS-Office applications (Word, Excel and Power Point)
  • Completed 100 hours ITT programme by ICAI

Accomplishments

  • Achieved 1 rating for exceptional contributor (highest one) in both appraisal cycle of Loan Frame
  • Awarded Appreciation Certificate within months after joining Aditya Birla Finance Limited for excellence performance & Adoptability of organization system.
  • Achieved 5 rating (highest) for "Par Excellence Performance” for the year 2017-2018 in Capital First Limited.
  • Awarded “ACE of the month” within 5 month of joining at Capital First for better performance & quick adaptability of organization system.
  • Conferred “Credit Approval rights (CAD)” within six months from date of joining of organization.
  • Participate in different training organised by entity includes Crisil training etc.
  • Cleared both groups of CA-IPCC in single sitting & in first attempt
  • Got exemption in three subjects including direct taxation in CA final.
  • Participate in annual National Service Scheme camp at college level
  • Participate in two days National seminar on Social empowerment through legal awareness in knowledge based society: issue & Concern and give presentation on Industrial dispute Act 1947
  • Participate in various events Like:- National Exhibition on legal Literacy, Save Girl Child etc. at college level

Timeline

Regional Credit Manager

Loan Frame
03.2022 - Current

Practicing Chartered Accountant

Self Employed
04.2020 - 02.2022

Credit Manager

Aditya Birla Finance Limited
09.2018 - 03.2020

Credit Manager

Capital First Limited
04.2017 - 09.2018

Senior Associate

Gopal Nathani & Associates, Chartered Accountants
11.2016 - 04.2017

Articleship Trainee

Prakash K. Prakash, Chartered Accountants
02.2013 - 01.2016

Chartered Accountant - Accounting and Finance

Institute of Chartered Accountant of India

CS Executive Programme - Auditing

Institute of Company Secretary of India

B.Com - Banking And Financial Support Services

Maharshi Dayanand University (MDU)

12th - History

HBSE

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HITAISH K. SHARMA