Naveen Khandelwal

• Preparing Credit Appraisal Memos (CAM) for SME clients, and acquiring those business banking clients for bank.
• Increased value to clients by structuring and implementing innovative deals in working capital, term loan, and project finance.
• Use credit knowledge and knowledge of various banking products for deal structuring.
• Increased wallet share by cross-selling banking products to clients.
• Responsible for acquiring new Business Banking clients with detailed credit assessment understanding.
• Managing Liability, Fx, Trade and Client Relationships, Delinquency management, and Analytical mindset.
• Managing over 50 clients' portfolios effectively through continuous monitoring of accounts and renewals enhancement, retention, and ensuring Portfolio Hygiene with minimal open deferral and covenants.
• Providing leadership and direction to grow team portfolio and increase revenue.
• Preparing various product MIS reports and ad hoc analysis reports and presentations as required by senior management.

Financial Planning and Analysis:

• Preparing annual operating plans, forecast, and budgets.
• Forecasting and Projecting profitability analysis.
• Variance analysis related to periodic revenue forecasting, input cost, overheads, and administrative expenses.
• Fund flow and working capital management.
• Ad-hoc analysis according to business requirement or senior management.
• Analyzed business processes to identify cost savings and operational efficiencies.
• Created financial dashboards to provide insights into key performance indicators.
• Created and managed financial models to evaluate corporate investments and acquisitions.
• Enterprise Fund Flow Planning on resources and application of funds, including investment strategy development.
• Various accounting and financial ratio analysis and MIS reporting.

Accounting and Auditing:

• Managed all financial transaction accounting, and taxation-related routine business accounting activities including direct and indirect tax audits.
• Coordinated with Internal and Statutory Auditors on preparation and finalization of company financials, Balance Sheet & Revenue Accounts
• Executed vendor & customer setup and managed & reviewed Accounts Payable and Receivable accounting.
• Managed payroll processing, commissions, and other accounting disbursements for accuracy and compliance.
• General Ledger and Fixed Asset Accounting.
• Developed strategic plans for day-to-day financial accounting operations.
• Managed Monthly, Quarterly, and Year-end financial book closure for revenue, expense, fixed asset accounting, and general ledger accounting functions.
• Prepared Monthly/Quarterly/Yearly, Income Tax, TDS, and GST computations and returns.
• Established internal audit procedures and internal control systems to validate and improve accuracy of financial reporting.
• Prepared internal and regulatory financial reports, balance sheets, and income statements.
• Prepared cash flow projections, cost analysis, and monthly, quarterly, and annual reports.
• Reviewed vendor invoices for appropriate documentation and validity prior to payment.
• Reconciled company bank accounts, payment gateway collection accounts, credit cards, and line of credit accounts, investigating and resolving discrepancies to keep accounts audit-ready.

Team Leading:

• Spearheaded expansion strategies to increase business market share, drive growth and bring in new customers.
• Researched and drove integration of Zoho Books to increase efficiency of accounting systems.
• Strategic planning, motivating, and supervision of team.
• Organized workshops to improve performance of system and team.
• Conducted routine process knowledge tests and refresher sessions with team.
• Trained new and existing team members in various financial procedures to prepare for job requirements.
• Supported operations management, sales, and marketing efforts to increase revenue and financial health.