Vaibhav Jain
Chartered Accountant
Lalitpur
Overview
6
6
years of professional experience
Work History
Credit Manager-Inventory Finance
IDFC First Bank
Thane
03.2025 - Current
- Evaluated complex credit requests, analyzing financial statements, credit reports, and other relevant data to assess the creditworthiness of the potential borrower.
- Structured and negotiated loan agreements, ensuring terms and conditions align with institutions' credit policies and guidelines in coordination with the compliance and legal team.
- Coordinated with dealers and sales/business managers for proposal evaluation and approvals.
- Identified key credit risks, and proposed effective mitigating factors including Monitoring credit limits through overdue tracking, stock audits, and MIS reporting.
- Managed inventory funding proposals for dealers of cars, two-wheelers, CVs, tractors, and consumer durables Including proposals under OEM tie-up programs, and structured financing deals.
- Contribute to the development and refinement of credit policies and guidelines, ensuring they remain relevant and effective.
- Winner of the IDFC ACE Award (FY 2025-26), recognizing outstanding performance, impact and contribution to organizational success.
Audit Executive
Hem Sandeep & Co., Delhi
New Delhi
06.2024 - 02.2025
- Conducted internal audits for Western Coalfields Limited (Coal India) across departments. Developed audit checklists, ensuring SOP compliance across PTP and OTC processes.
- Managed payroll for over 2,500 employees, including deductions and disbursement. Designed an Excel system to verify salary arrears for 300+ employees.
Articled Assistant
V. Bomb & Co., Indore
Indore
12.2019 - 02.2023
- Conducted statutory audits for real estate clients ensuring regulatory compliance. Drafted audit reports with findings and CARO 2020 compliance disclosures. Prepared financial statements including balance sheet, P&L, and cash flows
- Managed GST compliance, professional tax filings, and diverse client portfolio. Filed tax audit reports (3CA, 3CB) and income tax returns. Performed 30+ stock audits covering inventory, receivables, and drawing power for SBI, BOB and other banks.
Education
CA Final -
The Institute of Chartered Accountant of India
Indore, India 04.2001 -
B.Com -
Bundelkhand University
Jhansi, India 04.2001 -
Senior Secondary -
K.R Inter Collage (U.P. Board)
Mathura, India 04.2001 -
Higher Secondary -
Mardan Singh Inter Collage (U.P. Board)
Jhansi, India 04.2001 -
Skills
Credit assessment, Risk evaluation
Enthusiastic Learner, Logical & problem solving attitude, Team worker and Quick Adaptability to change, Communication
Timeline
Credit Manager-Inventory Finance
IDFC First Bank
03.2025 - Current
Audit Executive
Hem Sandeep & Co., Delhi
06.2024 - 02.2025
Articled Assistant
V. Bomb & Co., Indore
12.2019 - 02.2023
CA Final -
The Institute of Chartered Accountant of India
04.2001 -
B.Com -
Bundelkhand University
04.2001 -
Senior Secondary -
K.R Inter Collage (U.P. Board)
04.2001 -
Higher Secondary -
Mardan Singh Inter Collage (U.P. Board)
04.2001 -