Pragya Panda
Chartered Accountant
Bengaluru,KA
Summary
Author, Financial Consultant, CA (AIR-34),YouTube channel - FINMOM, 10+ years post qualification experience, Ex-banker, Writer and content creator, Traveller & MOTHER.
I have dawned many hats in these 12 years both at home and at professional circuits. I have the necessary experience to take your organization towards financial wellbeing in the most ethical manner possible keeping in mind the expectations of stake holders and clients.
An opportunity provided to a candidate like me would help organization grow from strategic point of view and at the same time help in taking my skills to the next level.
Overview
10
10
years of professional experience
38
38
years of post-secondary education
Work History
Freelance Author
08.2022
- Writing on current economic and financial affairs around the world as a free lance contributor to various magazines and newspapers including Industrial Economist, a magazine being published since 1968.
Senior Credit Manager
Punjab National Bank
06.2017 - 07.2022
- Analysis of credit proposal and credit delivery to corporate clients
- Assisting in Audit and risk management
- Dealing with Internal audit escalations for smooth operation of accounts within the ambit of statutory guidelines
- Acted as a trainer in controlling office for updating knowledge of front desk staff regarding audit compliances and efficient selling of third-party products
- Ensuring compliance of SLAs with regards to reporting requirements of the management
- Cash flow management working with various stakeholders
- Decision support and cost benefit analysis on various business vide initiatives - distribution channels related, revenue enhancement, products, and operations
- Managing portfolio of INR 150 Cr of Corporate clients in PNB, India's Second Largest Public Sector Bank
- Building productive clients relationships leading to repeat and increased business via direct and cross selling
- Working with management for selling of Third-Party products viz Insurance, Investment, etc to increase revenue
- Sourcing of CASA and high-ticket size corporate loans
- Acted as a great channel for communication between the bank and customer
- Responsible for preparing MIS to be sent for control purposed
- Set up business planning and analysis function including formulation and implementation of various business planning and analysis processes
- Assist the CEO and CFO in Ongoing Stakeholder management and board interaction as part of formulation of business plans and performance forecasting
- Preparation of Annual Operating Plans for the Organisation and keeping track for the same against actual performances.
Credit Manager
Punjab National Bank
05.2014 - 05.2017
- Analysis of credit proposal and credit delivery to corporate clients
- Assisting in Audit and risk management
- Dealing with Internal audit escalations for smooth operation of accounts within the ambit of statutory guidelines
- Acted as a trainer in controlling office for updating knowledge of front desk staff regarding audit compliances and efficient selling of third-party products
- Ensuring compliance of SLAs with regards to reporting requirements of the management
- Cash flow management working with various stakeholders
- Decision support and cost benefit analysis on various business vide initiatives - distribution channels related, revenue enhancement, products, and operations
- Managing portfolio of INR 150 Cr of Corporate clients in PNB, India's Second Largest Public Sector Bank
- Building productive clients relationships leading to repeat and increased business via direct and cross selling
- Working with management for selling of Third-Party products viz Insurance, Investment, etc to increase revenue
- Sourcing of CASA and high-ticket size corporate loans
- Acted as a great channel for communication between the bank and customer
- Responsible for preparing MIS to be sent for control purposed
- Set up business planning and analysis function including formulation and implementation of various business planning and analysis processes
- Assist the CEO and CFO in Ongoing Stakeholder management and board interaction as part of formulation of business plans and performance forecasting
- Preparation of Annual Operating Plans for the Organisation and keeping track for the same against actual performances.
Probationary Officer
State Bank of India
09.2013
- Working on Retail Banking for effective delivery of retail products of the bank while maintaining customer support
- Responsible for compliances of various statutory guidelines related to Retail Banking.
Paid Assistant
M/s Manohar Chowdhry and Associates
05.2012 - 01.2013
- Worked as audit manager and assisted in completion of various statutory audits of companies, trusts and proprietorship businesses.
Education
Information Technology Training Course -
Institute of Chartered Accountants of India
Bachelor of Commerce - undefined
Utkal University
Chartered Accountancy - undefined
Institute of Chartered Accountants of India
Swift Advanced Excel - undefined
National Institute of Information Technology
Intermediate Examination - undefined
Institute of Cost and Work Accountants of India
Certificate in International Taxation - undefined
Institute of Chartered Accountants of India
Certified Associate of Indian Institute of Banking - undefined
Indian Institute of Banking and Finance
Diploma in Treasury Investment and Risk Management - undefined
Indian Institute of Banking and Finance
Certificate in Investment Foundation - undefined
The CFA Institute
Skills
Organize, manage, and track multiple detailed tasks and assignments with frequently changing priorities and deadlines in a fast-paced work environment
Good collaboration skills in a team-oriented environment
Possess excellent oral and written communication skills and exceptional presentation skills
Strong analytical, interpersonal, communications, time management, and project management skills
Accomplishments
- Outstanding Performance in Life Insurance Business - FY 2017-18
- Published Author in Newspapers and Magazines on current Economic Issues
- Contributed as an Author in the book, India 2047
- Awarded certificate in Sangeet Bhushan final for Odissi Dance by the Pracheen Kala Kendra
- First in Elocution Contest organised by ICAI at Regional level (EIRC)
- Member of Editorial Board in School (2004-05)
- Worked directly under CA T.N.Manoharan (Padma Shree Awardee)
Timeline
Freelance Author
08.2022
Senior Credit Manager
Punjab National Bank
06.2017 - 07.2022
Credit Manager
Punjab National Bank
05.2014 - 05.2017
Probationary Officer
State Bank of India
09.2013
Paid Assistant
M/s Manohar Chowdhry and Associates
05.2012 - 01.2013
Information Technology Training Course -
Institute of Chartered Accountants of India
Bachelor of Commerce - undefined
Utkal University
Chartered Accountancy - undefined
Institute of Chartered Accountants of India
Swift Advanced Excel - undefined
National Institute of Information Technology
Intermediate Examination - undefined
Institute of Cost and Work Accountants of India
Certificate in International Taxation - undefined
Institute of Chartered Accountants of India
Certified Associate of Indian Institute of Banking - undefined
Indian Institute of Banking and Finance
Diploma in Treasury Investment and Risk Management - undefined
Indian Institute of Banking and Finance
Certificate in Investment Foundation - undefined
The CFA Institute