Rishika Agarwal
Ghaziabad
Summary
Aspiring to thrive in a challenging, growth-driven career within a dynamic landscape that facilitates broad experience and exposure to enhance professional skills and affirm value to the organization
Overview
10
10
years of professional experience
Work History
CREDIT MANAGER (SME Loans)
CAPFLOAT FINANCIAL SERVICES (P) LTD.
NEW DELHI
11.2018 - 11.2020
- Conducted underwriting of unsecured business loans through detailed assessment of financial statements and credit reports.
- Evaluated and prepared credit proposals via personal discussions with customers for critical analysis, in accordance with the policy adherence.
- Collaborated with the Policy Head and Credit Head to ensure updates on policy and risk management.
- Engaged with the collections team to track early delinquent customers, identify root causes, and take follow-ups with the customers.
- Educated delinquent customers on the consequences of non-payment on future creditworthiness, thereby maximizing the realizations.
- Facilitated communication between customers and sales personnel to resolve technical issues, reducing overall delinquency ratio.
DEPUTY MANAGER (Financial Crime Prevention Unit)
ICICI BANK LTD.
NEW DELHI
11.2017 - 10.2018
- Executed fraud prevention strategies for retail assets (PL, HL, AL), and liability products (CASA) across the NCR region.
- Conducting the root cause analysis to conclude the cases with modus operandi, and proposing the corrective measures.
- Conducted monthly Regional Compliance Committee meetings to review the fraud cases and probe to fix the accountability, and take disciplinary measures against individuals or agencies involved in the fraud based on the severity of the fraud (as per the matrix).
- Conducted mystery shopping processes on the bank employees to evaluate the breach of various policies and processes, and reported to the Central Compliance team.
- Conducted regular audits and training programs at external agencies to check adherence to fraud identification triggers and investigation techniques.
- Conducted surprise visits to the bank branches and the external agencies to keep a check on policy compliance, and report to the Compliance team and the concerned Department Head.
- Conducted workshops and training programs among the bank employees on fraud prevention measures and KYC compliance.
ASSISSTANT MANAGER (DIRECT TAXATION)
SARC & ASSOCIATES (CHARTERED ACCOUNTANTS)
NEW DELHI
06.2015 - 10.2017
- Proficient in drafting the submissions for appeals to be submitted before the appellate authority i.e. CIT (Appeals) and ITAT).
- Prepared the responses & compilation of necessary documents in response to the notices of regular assessments and income escaping assessments to be submitted before Income Tax Assessing officers i.e. ACIT and CIT).
- Appeared before the Income Tax Authorities in regard to the assessments under sections 142(1), 143(1), 147, and 154 of the Income Tax Act, 1961.
ASSISSTANT MANAGER
R. CHADHA & ASSOCIATES (CHARTERED ACCOUNTANTS)
NEW DELHI
06.2013 - 05.2015
- Prepared income tax returns of individual assessees and company assessees.
- Handled audits: internal audit, concurrent audit, and stock audits of various entities.
- Drafted audit reports in accordance with the norms of the Companies Audit Report Order, 2003.
- Major clients handled: Delta Guards Private Limited, Indian Overseas Bank, Louis Philippe, and Vanheusen.
ARTICLED ASSISSTANT
M/S SG & VG ASSOCIATES (CHARTERED ACCOUNTANTS)
KANPUR
03.2011 - 04.2013
- Preparation of income tax returns for the clients.
- Filing of ROC forms 23AC, 23ACA, 20B, form 5, and various other forms.
- Conducted vouching and verification processes.
- Conducted scrutiny of ledgers.
- Handled physical stock verification.
Education
CHARTERED ACCOUNTANT -
ICAI
01-2016
MASTERS OF COMMERCE (M.COM) -
MJP Rohilkhand University
01-2016
BACHELOR OF COMMERCE (B.COM) -
MJP Rohilkhand University
01-2011
SENIOR SECONDARY (CLASS XII) -
Hartmann College (I.S.C)
01-2008
HIGHER SECONDARY (CLASS X) -
Hartmann College (I.C.S.E.)
01-2006
Skills
- Credit analysis
- Financial assessment
- Risk management and analysis
- Policy compliance
- Fraud prevention
- Team leadership
- Investigative skills
Affiliations
- Scored exemption in three subjects in CA Final (Strategic Financial Management, Corporate and Allied Laws, and Indirect Tax Laws)
- Secured 1st position in class XI and class XII
- Secured 2nd position at a solo inter-school dance competition held in 2007
- Actively participated in ICAI’s “Go Green Campaign” to celebrate World Environment Day held in 2016
Languages
Hindi
First Language
English
Proficient (C2)
C2
Timeline
CREDIT MANAGER (SME Loans)
CAPFLOAT FINANCIAL SERVICES (P) LTD.
11.2018 - 11.2020
DEPUTY MANAGER (Financial Crime Prevention Unit)
ICICI BANK LTD.
11.2017 - 10.2018
ASSISSTANT MANAGER (DIRECT TAXATION)
SARC & ASSOCIATES (CHARTERED ACCOUNTANTS)
06.2015 - 10.2017
ASSISSTANT MANAGER
R. CHADHA & ASSOCIATES (CHARTERED ACCOUNTANTS)
06.2013 - 05.2015
ARTICLED ASSISSTANT
M/S SG & VG ASSOCIATES (CHARTERED ACCOUNTANTS)
03.2011 - 04.2013
CHARTERED ACCOUNTANT -
ICAI
MASTERS OF COMMERCE (M.COM) -
MJP Rohilkhand University
BACHELOR OF COMMERCE (B.COM) -
MJP Rohilkhand University
SENIOR SECONDARY (CLASS XII) -
Hartmann College (I.S.C)
HIGHER SECONDARY (CLASS X) -
Hartmann College (I.C.S.E.)
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