RIYA SAHA
Kolkata
Summary
Certified Credit Professional (CCP – IIBF) with a solid foundation in credit appraisal, financial analysis, and portfolio monitoring. Proficient in evaluating financial statements, ensuring credit policy compliance, and supporting effective credit risk decisions. CMA Inter Qualified with 3+ years of experience in finance operations, reconciliations, and MIS reporting. Focused on improving credit workflows, maintaining portfolio health, and reducing delinquency in NBFC and banking portfolios. Committed to continuous learning and practical application to grow as a credit professional.
Overview
4
4
years of professional experience
3
3
Languages
Work History
Finance & Operations Assistant
QuantumSpike Digital
Kolkata
06.2022 - 06.2025
- Managed client billing, invoicing, and receivables for 20+ international accounts, ensuring accurate records and timely follow-ups.
- Reconciled 100+ monthly transactions across Stripe, Wise, and PayPal, identifying and resolving payment mismatches efficiently.
- Prepared monthly MIS reports tracking revenue inflow, receivables, and key financial metrics, supporting management review and decision-making.
- Coordinated with finance teams on monthly payouts, commissions, and disbursements for 15–25 team members.
- Processed vendor payments and maintained expense ledgers, ensuring 100% on-time entries and reconciliations.
- Organized and maintained financial records, compliance documents, and audit files, helping keep processes audit-ready and compliant.
Finance & Accounts Assistant
The Institute of Cost Accountants of India (HO)
Kolkata
01.2021 - 12.2021
- Verified financial documents, vouchers, and payments for 100+ monthly transactions, ensuring data accuracy and compliance with accounting standards.
- Managed student fee ledgers for 200+ students, regularly reconciling receipts with bank statements.
- Supported monthly MIS reporting, budget tracking, and expense monitoring, assisting finance teams with periodic reviews.
- Performed invoice verification, account reconciliation, and variance analysis to support audit readiness and internal controls.
- Coordinated with finance officers during internal and statutory audits, ensuring timely and accurate submission of financial records.
Education
Certified Credit Professional -
Indian Institute of Banking & Finance
Mumbai, IndiaCMA Intermediate -
The Institute of Cost Accountants of India
New Delhi, India12.2019
B.Com - Hons
University of Calcutta
Kolkata, India04.2019
Skills
Credit Appraisal & Credit Evaluation
Loan File Review & Documentation
Credit Policy Implementation & Compliance
Process Optimization
Credit Risk Assessment & Underwriting
Risk Mitigation
Financial Statement Analysis
Ratio Analysis for Credit Decisions
Portfolio Monitoring
Delinquency Control & Recovery
Websites
SOFT SKILLS
- Analytical Thinking & Problem Solving
- Attention to Detail
- Time Management & Multi-Tasking
- Process-Oriented & Organized
- Communication & Coordination
- Integrity & Professional Ethics
Timeline
Finance & Operations Assistant
QuantumSpike Digital
06.2022 - 06.2025
Finance & Accounts Assistant
The Institute of Cost Accountants of India (HO)
01.2021 - 12.2021
Certified Credit Professional -
Indian Institute of Banking & Finance
CMA Intermediate -
The Institute of Cost Accountants of India
B.Com - Hons
University of Calcutta