Nikhil Madaan
Bikaner
Summary
A dedicated Chartered Accountant with extensive experience in risk management, credit analysis, and financial assessment within leading banking institutions. Proven expertise in Supply Chain Finance, Working Capital, and Agri SME divisions. Known for managing assignments efficiently under pressure, leading teams, and adapting swiftly to changes. Seeking a position that leverages my skills to contribute to organizational goals and objectives.
Overview
13
13
years of professional experience
Work History
Area Risk Head - Risk (Supply Chain Segment)
SG Finserve Limited
Ghaziabad
01.2024 - Current
- Authorized fresh funding up-to ₹20 crore for clients,
- Created Credit Appraisal Memos for large corporate clients initiating dealer financing programs.
- Oversaw the Early Warning System for current portfolio and consistently tracked its performance.
- Managed and coordinated the efforts of a three-member team for CAM preparation.
- Conducted internal checks and risk assessments for proposal reviews.
- Led client visits analyzing exposures over ₹5 crore based on financial assessments.
Senior Risk Manager (Supply Chain Segment)
Yes Bank Limited
NOIDA
04.2022 - 01.2024
- Conducted assessments of short-term funding proposals related to dealer finance limits.
- Endorsed new customer proposals reaching ₹10 crores across companies, LLPs, and firms.
- Suggested plans to ensure quick turnaround times.
- Kept borrower database aligned with bank standards.
- Managed monthly MIS reporting and monitored loan performance closely.
- Maintained compliance with credit and loan standards.
Credit Manager (Working Capital Vertical)
HDFC Bank Limited
JAIPUR
02.2021 - 03.2022
- Evaluated different credit limits for businesses over various timeframes.
- Delivered financial support to a variety of commercial entities, including retailers and wholesalers.
- Performed due diligence to update and optimize customer limits.
- Provided comprehensive financial analysis to aid sales strategies.
- Assessed potential risks by examining lender portfolios regularly.
Credit Manager (Agri SME Segment)
Kotak Mahindra Bank Limited
BIKANER
06.2018 - 02.2021
- Reviewed the suitability of fund-based facilities such as CCODs, WCTLs, DLODs, TLs, and CTLs for businesses.
- Offered financial instruments like bank guarantees and forex forwards to support EXIM transaction participants.
- Assigned specific limits such as OD HPN, KCC, and ATLs.
- Performed comprehensive financial statement analysis determining eligibility.
- Collaborated with legal, technical, and RCU teams to guarantee precise property valuation.
- Performed detailed verifications of regulatory documents including CRILC, CIBIL, and probe reports.
- Prepared proposals and obtained approval from top-level executives for amounts up to ₹50 crore.
Practicing Chartered Accountant
Sudhish Sharma and Company
BIKANER
02.2016 - 05.2018
- Prepared demand notices for client representation in Income Tax Department cases.
- Prepared income assessments and handled ITR filings across individual clients, corporate entities.
- Collaborated with clients for tax planning and preparing TDS returns.
- Prepared audit reports adhering to rules set by the Companies Act of 2013, and CARO.
- Managed comprehensive ROC-related work for ensuring compliance.
Article Assistant
Lalit Gupta and Associates
New Delhi
01.2012 - 01.2015
- Company Overview: New Delhi.
- Conducted tax audits under Section 44AB of the Income Tax Act, 1961.
- Executed adherence to tax regulations and generated Form 3CA/3CB reports.
- Executed thorough inventory reviews, ensuring accurate record matching and physical count.
- Computed income tax installments, TDS and issued demand notices.
- Created detailed tax return filings including precise calculations.
- Finalized trial balances, profit and loss accounts, and balance sheets.
- Ensured accuracy in monthly bank reconciliation processes.
Education
M.Com -
Maharaja Ganga Singh University
Bikaner12.2015
Chartered Accountant -
The Institute of Chartered Accountants of India
11.2015
B.Com -
Maharaja Ganga Singh University
Bikaner12.2013
Class XII -
Central Board of Secondary Education (CBSE)
12.2010
Class X -
Central Board of Secondary Education (CBSE)
12.2008
Skills
- Risk Assessment Expertise
- Credit Risk Management
- Regulatory Adherence Evaluation
- Regulatory Tax Assessment
- Microsoft Office Proficiency
- Effective Team Coordination
- Proficient Problem-Solving Abilities
- Quality assurance
Accomplishments
- Secured exemption marks in Accountancy in CA-IPCC (Group-I) with 82 marks.
- Achieved highest marks (92) in Economics Administration and Financial Management during B.Com.
- Secured top scores in Accountancy (94) and Business Studies (86) in CBSE Class XII.
- Participated and volunteered in the National Convention held by ICAI at the Convocation Center, Jaipur.
- Won awards in various sports and cultural competitions at the intra-school level.
Personal Information
Date of Birth: 05/17/92
Languages
- English
- Hindi
- Punjabi
References
Available upon request.
Hobbies and Interests
- Reading spiritual books
- Listening to music and singing
- Gardening and plantation
- Traveling and exploring new places
Passport status
Valid
Certifications
P200 course (Infosys certification on SAP FI), 100 hours ITT Training conducted by ICAI, RS-CIT - Rajasthan State Certificate in Information Technology
Languages
Hindi
First Language
English
Upper Intermediate (B2)
B2
References
References available upon request.
Timeline
Area Risk Head - Risk (Supply Chain Segment)
SG Finserve Limited
01.2024 - Current
Senior Risk Manager (Supply Chain Segment)
Yes Bank Limited
04.2022 - 01.2024
Credit Manager (Working Capital Vertical)
HDFC Bank Limited
02.2021 - 03.2022
Credit Manager (Agri SME Segment)
Kotak Mahindra Bank Limited
06.2018 - 02.2021
Practicing Chartered Accountant
Sudhish Sharma and Company
02.2016 - 05.2018
Article Assistant
Lalit Gupta and Associates
01.2012 - 01.2015
M.Com -
Maharaja Ganga Singh University
Chartered Accountant -
The Institute of Chartered Accountants of India
B.Com -
Maharaja Ganga Singh University
Class XII -
Central Board of Secondary Education (CBSE)
Class X -
Central Board of Secondary Education (CBSE)
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