Riya Dutta
Bengaluru
Summary
Detail-oriented Senior Associate with 4+ years of experience in the Fintech industry. Proficient in secured and unsecured lending, NBFC onboarding, RBF funding, debt raising through debentures, and adherence to Digital Lending Guidelines. Seeking to leverage expertise to drive organizational success while ensuring regulatory compliance.
Overview
4
4
years of professional experience
Work History
Operations Senior Associate
Klubworks Private Limited
04.2022 - Current
- Collaborated with cross-functional teams including Underwriting, Product, Risk Management, and Customer Support to streamline processes and enhance customer experience. Also worked closely with Technology and Product teams to communicate business requirements and develop internal tools for process optimization.
- Enhanced data integrity and maintenance by collaborating with ISO 27001 certification authorities as an acting ISO Committee member. Identified risks and drafted SOPs for secure transaction handling.
- Led end-to-end loan and disbursement operations within a Revenue Based Financing Model. Responsible for collating KYC documents, authenticating NACH, setting up Splits, verifying documents, negotiating agreements, processing loans, managing invoices and ensuring TDS compliance.
- Ensured seamless compliance with company policies and regulatory guidelines, particularly regarding Private Placement and Non Convertible Debentures
- Saved 80% of cost by onboarding competitive service providers
- Established and implemented Standard Operating Procedures (SOPs) in alignment with the new Digital Lending Guidelines for seamless integration of new NBFC partners.
- Implemented NPCI guideline changes in existing SOPs to ensure compliance and adherence for NACH.
- Spearheaded the implementation of new Banking Partners and successfully migrated all borrowers to a more economical provider, resulting in a 60% decrease in costs.
- Contributed to the successful capital raise by managing key tasks in the organization's Debt Raise and Funding initiative
- Took on leadership role during absence of Manager, directing the team to achieve objectives and meet individual performance targets.
- Earned fast-tracked promotion for outstanding performance and significant organizational impact, surpassing expectations by 6 months and receiving the ABCD (Above & Beyond Call of Duty) award.
Tax Consultant
Deloitte Tax LLP
06.2020 - 04.2022
- Prepared and reviewed tax returns (1120, 1065 including state tax forms), ensuring compliance with U.S Tax laws at all levels
- Conducted tax audits and prepared responses to tax authorities, ensuring accuracy and adherence to legal requirements as per IRS guidelines
- Conducted tax planning, forecasting, identifying opportunities for tax savings and minimizing tax liabilities for clients with multiple clients
- Assisted senior consultants in conducting tax research, analyzing complex tax issues, and formulating effective tax strategies for clients.
Education
PGDM in Finance (Distinction) -
Balaji Institute of International Business
01.2020
Bachelor's in Commerce (Distinction) -
Maharashtra Institute of Technology
01.2018
Skills
- Forms 1065 & 1120
- Training and mentoring
- Project Management
- Financial Acumen
- Preparing reports
- Work Planning and Prioritization
- Research abilities
- Process Improvement
- Decision-Making
- MS Office
- Policy Implementation
- Cross-Functional Teamwork
- Microsoft Office Suite
- Private Placement
- Adobe Acrobat
- ACH Mandates
- Due Diligence
- Agile
- KYC Verification
- Power BI
- Legal Documentation
Hobbies and Interests
- Volunteering in Python Conference 2024
- Fitness
- Painting
- Social Activism
- Trekking
- Personal Finance
Accomplishments
- Received the Above and Beyond Call of Duty Award (ABCD Award) at Klubworks for outstanding performance and significant impact.
Languages
Bengali
First Language
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Timeline
Operations Senior Associate
Klubworks Private Limited
04.2022 - Current
Tax Consultant
Deloitte Tax LLP
06.2020 - 04.2022
PGDM in Finance (Distinction) -
Balaji Institute of International Business
Bachelor's in Commerce (Distinction) -
Maharashtra Institute of Technology
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