Rohit Kapoor
Delhi
Summary
Dynamic Credit Manager with extensive experience at ICICI Bank, excelling in credit underwriting and risk assessment. Proven track record in portfolio management and team leadership, effectively training new credit managers. Adept at financial analysis and conflict resolution, driving successful funding proposals and enhancing operational efficiency.
Overview
13
13
years of professional experience
Work History
Credit Manager
ICICI Bank
Delhi
09.2021 - Current
- Credit Underwriting: Analysis of CIBIL, bank statements, and risk assessment for decision-making on funding proposals.
- Involved in the underwriting of business loans, education loans, and personal loans related proposals.
- Team handling and effective management of the end-to-end sanction and disbursement process, as well as managing the quality of the portfolio.
- Training of CPAs, DMAs, DMEs, RMs, and new credit managers in the team.
- Coordinating with applicants to understand their financial standing so decide eligibility on case to case basis
Manager Compliance
Neeraj Bhagat and Co., Chartered Accountants
Delhi
04.2021 - 07.2021
- Maintenance of books of accounts for companies, proprietorship firms, LLPs, partnership firms, charitable trusts, etc., on Tally.
- Preparing and filing income tax returns for various assessees, such as individuals, HUFs, companies, AOPs, firms, and LLPs.
- Finalization of balance sheets and secretarial work of various assessees.
Manager
GRA and Associates, Chartered Accountants
Delhi
11.2019 - 03.2021
- Preparation of financial statements for companies, proprietorship firms, LLPs, and partnership firms, as per relevant provisions.
- Financial planning, CMAs, and project analysis for bank loan purposes/CC limits, provisional, and projected balance sheets.
- Preparing and coordinating with clients to complete the tax audit and ensure the completeness, accuracy, and timeliness of the tax audit.
- Handled scrutiny assessment, prepared replies, and filed appeals with CIT(A) and ITAT.
Accountant
AKG and Co., Chartered Accountants
Delhi
12.2015 - 08.2017
- Internal and stock audit of a leading hair and skin clinic in India.
- Bookkeeping of multiple clients, scrutiny of accounts on an ongoing basis, and ensuring compliance with accounting policies.
- Internal Audit of Companies into Restaurant Business, Manufacturing Concerns, Business of Cold Storage, Logistics and Trading Concerns
Articled Assistant
CP Maini and Co, Chartered Accountants
Delhi
02.2012 - 05.2015
- Maintenance of books of accounts for companies, proprietorship firms, LLPs, partnership firms, charitable trusts, etc.
- Statutory audit of a few branches of Punjab and Sind Bank.
- VAT audit and preparation of AR-1.
- Statutory audits, tax audits of various private limited companies in the cold storage business, manufacturing concerns, trading concerns, restaurant business, and logistics.
- Prepared Service Tax Returns, Wealth Tax Returns, Sales Tax Returns, and TDS Returns of various assessees.
- Preparing and filing income tax returns for various assessees, such as individuals, HUFs, companies, AOPs, firms, and LLPs.
Education
Chartered Accountant - Accounts, Taxation And Auditing
Institute of Chartered Accountants of India
Delhi08-2019
B.com Hons - Commerce
Delhi University, SOL
Delhi05-2013
12th - Senior Secondary
St. Michael Sr Sec School
Delhi03-2010
10th - Secondary Education
St. Michael Sr Sec School
Delhi03-2008
Skills
- Credit underwriting
- Risk assessment
- Financial analysis
- Portfolio management
- Team management
- Training and mentoring
Affiliations
COMPUTER PROFICIENCY
I lens, APS and other systems used in underwriting
MS Power Point
MS Excel 2010
MS Word 2010
Tally. ERP 9
Zenoti Salon and Spa Management Software
Accomplishments
- Awarded Eagle Eye certificate for preventing fraud at time of underwriting a loan proposal
- Got Second Rank in the Presentation Skills in Management and Communication Skill Course held at ICAI Bhawan, Vishwas Nagar, Delhi
- Successfully completed GST Refresher Course Conducted by Institute of Chartered Accountants of India
- Successfully Completed Advanced Excel Course by Grant Thornton
- Successfully completed 100 Hours of ITT Training and passed relevant Tests to the satisfaction of Board of Studies, ICAI
Languages
Hindi
First Language
English
Proficient (C2)
C2
Key Accounts Handled
- Bagga Link Services Pvt. Ltd
- Indus Castings Pvt. Ltd
- Hindustan Fasteners Pvt. Ltd
- Kold Hold Pvt. Ltd
- Freeze king Pvt. Ltd
- Berkowits Hair and Skin Clinic
- PPVFRA
- Hair wits and Skinwits Pvt Ltd
- Massive Restaurants Pvt Ltd.
- Indian Railway Finance Corporation
- AAA Capital Services Pvt. Ltd
- Info-x Software Technology Pvt Ltd.
- ADS Spirits Private Limited.
Timeline
Credit Manager
ICICI Bank
09.2021 - Current
Manager Compliance
Neeraj Bhagat and Co., Chartered Accountants
04.2021 - 07.2021
Manager
GRA and Associates, Chartered Accountants
11.2019 - 03.2021
Accountant
AKG and Co., Chartered Accountants
12.2015 - 08.2017
Articled Assistant
CP Maini and Co, Chartered Accountants
02.2012 - 05.2015
Chartered Accountant - Accounts, Taxation And Auditing
Institute of Chartered Accountants of India
B.com Hons - Commerce
Delhi University, SOL
12th - Senior Secondary
St. Michael Sr Sec School
10th - Secondary Education
St. Michael Sr Sec School
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