Kishan Lal Sarraf
Chartered Accountant
Mumbai
Summary
Results-driven professional with extensive experience in directing audits, credit evaluations, and risk analysis for financial clients. Proven ability to leverage analytical skills and regulatory compliance knowledge to enhance financial operations and effectively mitigate risks. Committed to driving organizational success through innovative financial management and strategic planning initiatives. Prepared to bring leadership and a collaborative spirit to a new team, fostering growth and excellence in financial performance.
Overview
12
12
years of professional experience
1
1
Language
Work History
Senior Manager
S K Patodia & Associates LLP, Chartered Accountants
09.2022 - Current
- Directed internal audits and credit due diligence for BFSI clients.
- Conducted an audit and risk analysis of treasure operations, identifying control gaps relevant to lender and investor reporting.
- Performed comprehensive statutory and investment audits across life insurance, general insurance, and reinsurance sectors.
- Directed a team of over 40 professionals executing multiple audit mandates for EXIM Bank, ICICI Bank, Yes Bank, and IndusInd Bank.
- Executed management of PAN-India branch visits across banks and NBFCs
- Facilitate prompt reporting and risk identification.
Credit Manager
AU Small Finance Bank Ltd.
12.2021 - 09.2022
- Evaluated the creditworthiness of individuals, SMEs, and corporate clients through the analysis of financial statements, credit scores, repayment capacity, and industry risk profiles.
- Sanctioned loans and credit lines within delegated authority; prepared detailed credit appraisal memos, and presented high-value cases to the credit committee for approval.
- Performed risk grading, set exposure limits, and structured credit products based on borrower profile and collateral quality.
- Regulatory Compliance and Documentation.
- Contributed to the development of automated credit scoring models, and revised credit policies to enhance approval speed while maintaining control.
- Monitored repayment schedules, and proactively flagged potential NPAs, coordinating with recovery and legal teams for resolution.
- Conducted periodic credit reviews and re-assessments in light of market changes, financial performance, and regulatory updates.
- Conducted regular training sessions on credit appraisal techniques, risk assessment, and regulatory changes.
Functional Manager
Coneio Exim Private Limited
06.2020 - 05.2021
- Regulatory Compliance (CITES and UNSC Sanctions)
- Adherence to and work on the export and import policies.
- Engagement with Indian partner government agencies (PGAs).
- Logistics Coordination.
- Capacity Building and Training.
Assistant Manager
S K Patodia & Associates LLP, Chartered Accountants
04.2019 - 06.2020
- Conducted bank statutory audits of foreign banks.
- Transfer pricing audit on international transactions of banks.
- Preparing audit programs in consultation with the client.
- Analysis of draft financial statements, including notes to accounts.
- Physical stock verification and valuation as of the year-end in accordance with the Accounting Standard issued by ICAI.
- Preparation of TDS, Value Added Tax, Tax Audit, GST returns, GST audit, and Income Tax Returns.
- Preparing project reports.
Article Assistant
CA Sameer Upadhay, Chartered Accountants, Jaipur
10.2013 - 10.2016
- Preparation and filing of Income Tax Returns (ITRs), and income computation for individuals, firms, and companies.
- Preparation and filing of VAT returns (prior to GST implementation).
- Transition support from VAT to GST, including registration and compliance advisory.
- Day-to-day accounting using Tally and Excel for clients from various industries.
- Preparation of financial statements, including the Balance Sheet, Profit & Loss Account, and cash flow statements.
- Preparation of project reports and CMA data for bank loans (term loans and working capital).
- Liaison with banks for documentation and compliance.
Education
Chartered Accountant -
ICAI
04.2001 -
B.Com. - undefined
Rajasthan University
01.2015
H.S.C. - undefined
Rajasthan Board of Secondary Education
01.2012
S.S.C. - undefined
Rajasthan Board of Secondary Education
01.2010
Skills
- Proficient in Microsoft Excel, Word, and PowerPoint
- Familiarity with various ERP systems
Timeline
Senior Manager
S K Patodia & Associates LLP, Chartered Accountants
09.2022 - Current
Credit Manager
AU Small Finance Bank Ltd.
12.2021 - 09.2022
Functional Manager
Coneio Exim Private Limited
06.2020 - 05.2021
Assistant Manager
S K Patodia & Associates LLP, Chartered Accountants
04.2019 - 06.2020
Article Assistant
CA Sameer Upadhay, Chartered Accountants, Jaipur
10.2013 - 10.2016
Chartered Accountant -
ICAI
04.2001 -
B.Com. - undefined
Rajasthan University
H.S.C. - undefined
Rajasthan Board of Secondary Education
S.S.C. - undefined
Rajasthan Board of Secondary Education
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