Microsoft Office 360
Mahima Agrawal
Bengaluru
Summary
Highly skilled professional with 4+ years of experience in Credit Management, Finance and Project Management, complemented by successful entrepreneurship as a restaurant owner. Proficient in business finance, people management, and project Management. Demonstrated ability to conceptualize and establish a thriving multi cusine Lounge, achieving rapid growth and financial success. Proven expertise in conducting audits for multinational companies, driving strategic operational improvements through data analysis. Holds a Product Management certification, with a focus on user research and process improvement and pursuing an MBA in Finance.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Credit Manager – Loan Against Property (LAP)
Aditya Birla Finance
09.2023 - Current
- Evaluated and underwrote LAP proposals with ticket sizes up to ₹15 crore, ensuring robust analysis of financial health, business viability, and repayment capacity.
- Conducted in-depth reviews of financial statements, cash flow projections, credit scores, and property valuations to assess risk and recommend appropriate loan structures.
- Engaged with more than 100 high-net-worth clients and businesses to understand financial needs, clarify queries, and structure customized credit solutions.
- Designed loan packages based on collateral value, borrower profile, and financial performance to align with risk management policies and customer requirements.
- Monitored portfolio performance, identified early warning signals, and implemented proactive risk mitigate strategies to ensure a nil NPA track record.
- Ensured all loan approvals complied with internal credit policies, RBI guidelines, and industry standards.
- Collaborated with sales, legal, and operations teams to streamline the loan disbursement process, reducing turnaround time.
RESTAURANT ENTREPRENEUR
Upstairs Lounge and Bar
04.2022 - 08.2023
- Spearheaded the conceptualization and establishment of a thriving multi-cuisine Lounge in a prime location of Goa.
- Achieved a significant milestone, growing to Rs. 50 lakhs in Annual Revenue within the first year and attaining monthly break-even in less than 12 months from inception.
- Efficiently managed end-to-end planning, operations, suppliers, and staff while taking personal responsibility for maintaining financial statements, including Profit and Loss and Balance Sheet.
- Successfully navigated the intricacies of direct and indirect tax compliance, handling all filings personally to ensure impeccable financial management.
- Implemented robust Financial and Billing systems using Pet pooja and seamlessly integrated Swiggy and Zomato to optimize order processing, inventory management, and financial tracking.
- Garnered widespread acclaim, achieving an impressive 4.7-star rating on Google, a testament to the Lounge's dedication to exceptional customer experiences.
Audit Associate
T.R. Chadha & Co. LLP
08.2021 - 03.2022
- Conducted comprehensive Quarterly audits for multinational companies with revenues exceeding 2 billion dollars, ensuring compliance and accuracy in financial reporting.
- Played a pivotal role in the planning and execution of audit and assurance processes, demonstrating keen attention to detail and adherence to industry standards.
- Held a key position within the team, overseeing the entire audit process to maintain efficiency and quality.
- Leveraged data analysis and audit findings to identify crucial strategic operational improvements, leading to enhanced revenue maximization and streamlined inventory management.
Article Assistant
T.R. Chadha & Co. LLP
08.2015 - 06.2018
- Gained extensive and diverse experience in conducting Internal, statutory, and concurrent audits for over 20 companies, focusing on critical areas such as sales, expenses, and inventory management.
- Took charge of leading complete internal audits for prominent organizations like TATA Marco Polo Motors Ltd and MINDA Corporation Ltd, showcasing my ability to handle complex assignments with precision and expertise.
- Solely performed concurrent audits for Indian Seamless Metal Tubes Ltd, demonstrating proficiency in multitasking and delivering accurate results under tight deadlines.
- Collaborated closely with senior leadership across these organizations, providing valuable insights into multiple business processes and acquiring an in-depth understanding of their operations.
Education
MBA - Finance
Narsee Monjee Institute of Management Studies
Mumbai, India (Online)01-2023
Chartered Accountancy- IPCC - Accounting And Finance
Institute of Chartered Accountants of India
2015
Bachelor of Commerce -
G.S. College of Commerce And Economics
2015
Skills
- Financial Analysis and Credit Assessment
- Risk Management
- Regulatory Knowledge
- Project Management
- Data Analysis
- Technology and Digital Lending Expertise
- Product management
- Knowledge of Credit Models in Emerging Segments
Software
Tally
SAP
Loan Management System
Certification
Product management Certification Course
Key Product Management Projects
- Competitors Analysis | Conducted competitors analysis of Indian cab market taking Meru Cabs as an example
- Product Adoption Lifecycle | Wrote a medium post about mobile wallets in India including profiles of early adopters, innovators, challenges & growth hacks
- Conducting Surveys | Conducted a survey to understand the needs and demand of user in furniture rental space
- Created hypothesis around objectives & calculated population size/sample size to analyse responses and validates hypothesis.
Timeline
Credit Manager – Loan Against Property (LAP)
Aditya Birla Finance
09.2023 - Current
RESTAURANT ENTREPRENEUR
Upstairs Lounge and Bar
04.2022 - 08.2023
Audit Associate
T.R. Chadha & Co. LLP
08.2021 - 03.2022
Article Assistant
T.R. Chadha & Co. LLP
08.2015 - 06.2018
MBA - Finance
Narsee Monjee Institute of Management Studies
Chartered Accountancy- IPCC - Accounting And Finance
Institute of Chartered Accountants of India
Bachelor of Commerce -
G.S. College of Commerce And Economics
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