Summary
Overview
Work History
Education
Skills
Certification
Languages
Accomplishments
Timeline
Generic
Ravi Kiran Dj

Ravi Kiran Dj

Mysore

Summary

Dynamic Credit Analyst with BP, skilled in risk assessment and stakeholder communication. Successfully mitigated credit risks through strategic collaboration and developed robust relationships with clients. Proven expertise in collateral management and regulatory compliance, driving effective credit decision-making and enhancing cash flow management. Passionate about delivering impactful financial solutions.

Overview

9
9
years of professional experience
1
1
Certification

Work History

Credit Analyst - CIL

BP
Pune
12.2021 - Current
  • Managing Cash Application and Tax Team
  • Collaborated with cross-functional teams to mitigate credit risks.
  • Prepared detailed reports on credit analysis findings and recommendations.
  • Monitored industry trends to inform credit decision-making processes.
  • Developed and maintained relationships with internal stakeholders and clients.
  • Ensured compliance with company policies and relevant regulations in lending practices.
  • Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.
  • Collateral Management, Bank Guarantee, and Cash Collaterals.
  • New Customer Onboarding - Finance Interview.
  • Trade Loan / Advance Rebate Management
  • Created reports from various systems such as JDE and Tax department reports.
  • Coordinated audit activities by providing timely information to external auditors.
  • Prepared Yearly tax returns accurately and timely manner.

Project Consultant

Ernst & Young LLP
Pune
05.2021 - 12.2021
  • Maintained accurate records of customer account transactions and payments.
  • Assisted in month-end closing processes by reconciling accounts receivable balances.
  • Performed research into disputed invoices or payments as needed.
  • Monitored overdue accounts daily, generated past due notices, and contacted delinquent customers via phone or email.
  • Conducted regular reviews of unapplied cash transactions to ensure proper application of funds.
  • Processed incoming cash receipts in accordance with company policies.
  • Prepared monthly reports summarizing account activity including aging analysis and outstanding balance summaries.
  • Collaborated with sales teams to ensure timely collection of payments from clients.

Assistant Accountant

Infosys BPM
Mysore
05.2016 - 12.2020
  • Invoicing to Collection
  • Prepare the daily AR file and share it with stakeholders
  • Invoice submission to the customer and invoice merger.
  • Payment collection follow-ups.
  • Resource allocation to respective project codes.
  • Project code creation as per LOI, and billing price updating as per LOA.
  • Sending payment reminders via mail or calls.
  • Human Resource Operations.
  • Vendor coordination point of contact for all trainings
  • Allocating resources based on business requirements, both internal and external, for training
  • Procurement of required materials for trainings, like stationary items and lunch arrangements, etc

Education

Bachelor of Commerce - Accounts & Taxation

University of Mysore
Mysore
04-2015

Skills

  • Risk assessment
  • Financial modeling
  • Regulatory compliance
  • Cash flow management
  • Collateral management
  • Customer relationship management
  • Stakeholder communication
  • Negotiation skills
  • Problem solving
  • Portfolio management
  • Employee relations
  • Training coordination

Certification

  • Licensed arbiter from FIDE (World Chess Federation)
  • Licensed coach from FIDE (World Chess Federation)

Languages

Kannada
First Language
English
Advanced (C1)
C1
Hindi
Intermediate (B1)
B1

Accomplishments

  • Tax process improvement and FT saving - TDS U/S 194Q was implemented by CBDT (Central Board of Direct Tax), I'm part of process stabilization and improvement and achieved in saving of 2 FT's
  • Collections process - By using root cause analyses of invoice rejection, reduced future invoice rejection, and resulted in collecting payments on time
  • FIDE Rated player and Trained many young players

Timeline

Credit Analyst - CIL

BP
12.2021 - Current

Project Consultant

Ernst & Young LLP
05.2021 - 12.2021

Assistant Accountant

Infosys BPM
05.2016 - 12.2020

Bachelor of Commerce - Accounts & Taxation

University of Mysore

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Ravi Kiran Dj