Ood Knowledge of Accounting Software like Tally, Zoho, Finacle and Customised ERP’s
Neha Agarwala
Chartered Accountant
Kolkata
Summary
Analytical professional with a client-focused financial mindset and extensive experience in assessing creditworthiness and leveraging expertise in Credit Risk Management. Proficient in financial modeling, including DCF modeling, with substantial exposure to capital markets. Demonstrates industry experience in due diligence and advanced proficiency in Excel, ensuring precise financial analysis and risk management. Successfully passed the Chartered Accountant exams on the first attempt, showcasing practical exposure and a strong foundation in financial analysis and risk management strategies.
Overview
5
5
years of professional experience
3
3
Languages
Work History
Credit Manager (WC)
Kotak Mahindra Bank
06.2024 - 04.2026
- Responsible for credit underwriting of secured working capital loan up to ticket size of Rs. 40 Crs, based on set parameters.
- Handled 25 proposals per month with a portfolio size of 200 Cr+.
- Reduced TAT by 30%, thereby improving approval rate.
- Conducted in-depth credit analysis by evaluating various client profiles.
- Interacted with customer thereby understanding their needs accordingly and structuring proposal post assessment.
- Performed portfolio management of multiple clients concurrently ensuring timeliness and quality of business proposal.
- Eliminated competition through structured implementation of innovative deals in working capital and term loan.
- Maintained portfolio health by checking EWS, probable loss, PDD MIS.
Article Assistant
Anand Gupta & Associates
01.2021 - 01.2024
- Acquired in-depth knowledge and hands-on experience of auditing & accounting standards along with excellent industry expertise.
- Conducted operational, financial, process designed to review and appraise the client organization’s activities, systems, and controls.
- Compiled and reviewed necessary accounting and financial data, tax returns, Statutory & GST audit.
Education
CA Final -
ICAI
11-2023
CA Intermediate -
ICAI
07-2021
CA Foundation -
ICAI
11-2019
B. Com (Honors) -
CALCUTTA UNIVERSITY
01-2022
CBSE Class XII - undefined
Atreyee D.A.V Public School
01-2019
CBSE Class X - undefined
Atreyee D.A.V Public School
01-2017
Skills
Analytical professional : Client focused financial mindset
Exposure of assessing creditworthiness of clients and leveraging expertise in Credit Risk Management
Knowledge of financial modelling, DCF modelling and adequate capital market exposure
Knowledge of LBO modelling, Comparable company analysis and Valuation techniques
Built strong client relationships by getting to know the 'why' behind their business, turning complex financial stories into clear insights for decision-makers
Industry experience in due diligence and proven Advanced Excel hands-on proficiency
First attempt Chartered Accountant with practical exposure in financial analysis and risk management
CFA L1 Candidate (February 2026) : Awaiting Results
Accomplishments
"I’m grateful to have graduated as my school's top student, and I always loved the team spirit of inter-house competitions, where I was lucky enough to win a few awards for my house."
SKILLS AND ACTIVITIES
Participated in various Inter School Outdoor Sports events and Open Mic events. Actively take part in the activities organized by Sunrise Foundation (NGO). Participated in various Inter School Outdoor Sports events and Open Mic events. Actively take part in the activities organized by Sunrise Foundation (NGO).
Software
Interests
Writing poetry and exploring literature that reimagines classic stories, such as The Palace of Illusions; fascinated by how a change in perspective can transform a well-known history
Timeline
Credit Manager (WC)
Kotak Mahindra Bank
06.2024 - 04.2026
Article Assistant
Anand Gupta & Associates
01.2021 - 01.2024
CBSE Class XII - undefined
Atreyee D.A.V Public School
CBSE Class X - undefined
Atreyee D.A.V Public School
CA Final -
ICAI
CA Intermediate -
ICAI
CA Foundation -
ICAI
B. Com (Honors) -
CALCUTTA UNIVERSITY