Summary
Overview
Work History
Education
Skills
Certification
Accomplishments
IT Exposure
Languages
Personal Information
Hobbies and Interests
Timeline
Generic

Mandeep Singh Rajawat

Summary

Developed leadership and strategic planning skills in fast-paced corporate environment. Demonstrates expertise in credit underwriting, risk assessment , financial analysis and Audit profile with focus on delivering results and optimizing performance. Looking to transition into new field, bringing wealth of transferable skills and commitment to continuous improvement.

Overview

5
5
years of professional experience
1
1
Certification

Work History

Senior Manager, Credit and Risk

Yes Bank
12.2024 - Current
  • Engaged in underwriting the loan proposals of Home loans and Secured Business Loans .

Area Credit Manager

ICICI Bank Ltd.
09.2021 - 11.2024
  • Engaged in Credit Appraisal of Home loan, LAP (SENP and Salaried), Unsecured business loan, Personal Loan and Commercial Businesses and Medical equipment loan applications .
  • Preparing and Analyzing projected Financial Statements, CMA data and ratio analysis of Company, Firms, Individuals and assessing the capability of borrower to repay the loan .
  • Performing various credit checks like verifying credit history, banking behavior, GST verification, KYC verification, viability of business and assets under borrowing, conducting TVR, cross Field verification .
  • Meeting with affluent clients, visiting branches, Dealers, DSA and understanding the issues, working on resolutions.
  • Managing the entire credit application process, right from login to sanction.
  • Managing and tracking the quality of portfolio.
  • Co-ordination with legal, technical, FI and Risk Containment Unit agency for processing the file / docket .
  • Training to team of credit managers, CPA and Sales Team . Working on TAT management.
  • Collaboration with sales teams to develop and enforce credit policies and procedures, ensuring compliance with organization's guidelines and industry regulations.
  • Mitigated potential losses by conducting thorough due diligence on high-risk customers.

Manager

SPARK & Associates
10.2019 - 09.2021
  • Handling Statutory, Internal Audit, Accounting & Financial reporting activities of a Milk product manufacturing government entity, Shanti Overseas Ltd (listed company), Statutory Audit of Stelloid Infrastructure Pvt Ltd., Limited review of Nuclear Power Corporation Ltd (NPCIL), Tax Audit of various entities .
  • Conducted Statutory Audit of various Private Ltd and Public limit entities as per IndAS, Company Law and Standards on Audit .
  • Preparation of Financial Statements as per Ind-AS, regulatory reporting, Month end closing process, journal entry preparation and posting.
  • Risk assessment and its management, Internal controls evaluation, Documentation of working papers.
  • Authorizing the financial transactions for payment after checking their compliance with Work Orders, Contract Agreement and State Purchase Rules (SPR)
  • Analyzing tender documents & agreements entered with contractors and reporting non-compliance to management with recommendation for penalties & deductions, government grant utilization analysis and reporting.
  • Provided guidance and training to internal audit staff w.r.t changes in laws, regulations, and industry best practices.
  • Developing and maintaining relationships with key stakeholders.
  • Fraud detection, impact analysis and reporting to appropriate authority.
  • Checking salary, wages, bonus, PF & ESIC paid to labours employed through Labour Contractor, GST ITC reconciliation .
  • Audit planning and execution, Team management, drafting and finalizing the audit observations after discussion with client
  • Follow-ups on corrective actions suggested in the audit reports .

Education

CA Final Group - 2 -

ICAI
01.2019

CA Final Group - 1 -

ICAI
01.2018

B.COM -

DAVV
Indore, M.P.
01.2013

HSC -

KV
Indore, CBSE
01.2010

SSC -

KV
Dharwad, CBSE
01.2008

Skills

  • Independent
  • Leadership
  • Self-motivated & Hard working
  • Self-disciplined
  • Proactive and detail oriented
  • Solution Oriented
  • Documentation and reporting
  • Data analytics

Certification

  • Eagle Eye certificate by ICICI Bank for Fraud detection.
  • Certificate course on Ind AS - 2020
  • Power BI Job Simulation Completion certificate from PWC Switzerland
  • Certificate on Financial Modeling and Forecasting Financial Statements
  • Certificate of Completion -Excel Advanced Formulas and Functions

Accomplishments

  • Won 1st Prize in General Knowledge competition
  • Won 1st Prize in School level debate competition
  • Got certificate for Best Commander in School
  • Received Eagle Eye certificate in ICICI bank for detection of fraud.

IT Exposure

  • Having good working experience of MS Excel (including advance excel functions like Pivot table, Vlook-up, Hlook-up, X look Up etc.)
  • MS Word
  • Tally ERP9 & GST Portal.
  • Worked on various types of Management Information System like DMS, Lotus.
  • Currently learning AI tools usage in excel & power point and Microsoft copilot.
  • GSuite tools
  • PwC Switzerland Power BI Job Simulation on Forage - · Completed a job simulation where I strengthened my Power BI skills to better understand clients and their data visualization needs.


Languages

English
Hindi

Personal Information

  • Date of Birth: 11/22/92
  • Gender: Male

Hobbies and Interests

  • Playing Cricket
  • Watching Socio-Political Debates
  • Listening poetry
  • Watching Movies & TV
  • Listening to Music

Timeline

Senior Manager, Credit and Risk

Yes Bank
12.2024 - Current

Area Credit Manager

ICICI Bank Ltd.
09.2021 - 11.2024

Manager

SPARK & Associates
10.2019 - 09.2021

CA Final Group - 2 -

ICAI

CA Final Group - 1 -

ICAI

B.COM -

DAVV

HSC -

KV

SSC -

KV

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Mandeep Singh Rajawat