Niraj Lath
Bangalore
Summary
A result-driven, self motivated and resourceful Chartered Accountant and Company Secretary with a demonstrated history of working in the financial services industry and to convert knowledge acquired academically into specialized professional acumen. Skilled in the area of Applicability of Accounting Standards, Audit Assurance, areas of Taxation and Credit Risk
Overview
10
10
years of professional experience
Work History
Senior Credit Manager
Mahindra and Mahindra Financial Services Ltd
Bangalore
02.2024 - Current
- Managed credit risk assessments for loan applications and client accounts.
- Developed credit policies to enhance approval processes and mitigate risk.
- Conducted regular audits of credit files to ensure compliance with regulations.
- Trained junior staff on credit analysis techniques and best practices.
- Analyzed market trends to inform strategic decision-making in credit offerings.
- Worked closely with sales teams to identify new opportunities for extending customer credit limits.
- Participated in weekly meetings with upper-level executives to discuss progress towards achieving department goals.
- Managed a team of Credit Analysts responsible for assessing customer applications for loan products.
Regional Credit Manager
ICICI BANK
Bangalore
03.2021 - 01.2024
- Assessed creditworthiness of the customers as per credit risk management framework of the bank and underwriting of the same.
- Performing valuation on the basis of ratio analysis and personal discussion with clients for understanding nature, longevity, source and revenue generating capacity of customer business.
- Analyzed and appraised premium mortgage portfolios ( both residential and commercial )
- Use performance history along with liquidity, debt/asset management and profitability ratio to assess creditworthiness in evaluation.
- Scrutinized the legal title flow of the real estate properly to ensure fair encumbrances title.
- Loan ticket size handle 10cr. to 25cr.
- Interact with customer & understanding the business and regularly monitor delinquencies.
- Consolidation of daily state level information system by supervising training credit processing assistants, customer relationship officer and sales manager counsellor.
- Conducted investigations and in-depth evaluations of customers for creditworthiness and potential risk factors.
- Reviewed accounts for signs of fraud and non-payment issues.
Branch Credit Manager
India Infoline Finance Limited
Bangalore
01.2020 - 03.2021
- Evaluated business practices and loan procedures to assess risk and develop mitigation plans to protect business operations and assets.
- Worked with management to evaluate credit strategies and develop improvements.
Associate
Sudhir Kumar Jain & Associates
Kolkata
03.2015 - 02.2018
- Compliance of GST, ROC, Income Tax Act, PF, ESI and PT
- Providing advice on tax affairs and preparation of financial statements such as monthly and annual accounts
- Review, Monitoring and filing of GST law
Education
Company Secretary -
The Institute of Company Secretaries of India
01.2020
Chartered Accountant -
The Institute of Chartered Accountants of India
01.2019
Skills
- Internal Auditing
- Taxation
- Financial control & Analysis
- Credit Risk Analysis
- Eye for accuracy
- Inventory Management
- Banking Operations
- Tax Audit
- Internal Audit
- Statutory Audit
- Underwriting
- Financial Analysis
- Customer Relationship Management
- Security Analysis and Portfolio Management
- Strategic Thinking
- Risk analysis
- Cost and budget analysis
- Regulatory compliance
Languages
English, Hindi: First Language
Hobbies and Interests
Cricket, Reading, Music
Awards
Awarded for outstanding performance in Q4 at ICICI Bank ( 2022-01 - 2022-03 ), Top 5 customer Relationship Manager for the Q3 at ICICI Bank ( 2021-10 - 2021-12 )
Timeline
Senior Credit Manager
Mahindra and Mahindra Financial Services Ltd
02.2024 - Current
Regional Credit Manager
ICICI BANK
03.2021 - 01.2024
Branch Credit Manager
India Infoline Finance Limited
01.2020 - 03.2021
Associate
Sudhir Kumar Jain & Associates
03.2015 - 02.2018
Company Secretary -
The Institute of Company Secretaries of India
Chartered Accountant -
The Institute of Chartered Accountants of India