Ruchi Garg
Hyderabad
Summary
Seeking a rewarding opportunity to re-enter the workforce after a fulfilling career break.
A qualified Chartered Accountant from May 2004 batch with an experience of more than 8 years in banking and finance sector.
After a decade of career break for personal reasons, I am excited to embark on a new chapter in my professional journey. I am thrilled to utilize my prior experience, strong interpersonal skills, problem solving abilities and time management expertise in a challenging roll.
Overview
19
19
years of professional experience
Work History
For Personal Reasons
Career Break
03.2013 - 12.2024
Senior Manager, Credit SME
Axis Bank Ltd
04.2011 - 03.2013
- Detailed and independent analysis of the borrower’s credit profile, financial analysis, and creditworthiness, internal rating and appraising the proposal to the sanctioning authority
- Maintaining quick turnaround time (TAT) for sanction of credit proposals while focusing on quality portfolio
- Coordinating with support groups like Legal and Technical for generating timely reports
- Regular monitoring of the existing accounts so as to ensure timely review of the proposals, NPA Management, Compliance, Documentation, nil delinquencies etc
- Interacting/Visiting the clients so as to arrange required documents for processing the proposal, understanding business model, client's factory visits
- Interacting with the client's buyers, suppliers, etc., to gage the market reputation of the customer
- Responsible for deepening of the existing portfolio and negotiations with the customers and decisions relating to credit pricing, structuring of products etc
Manager Credit & Relationship
ICICI Bank Ltd
01.2007 - 03.2011
- Responsible for detailed and objective assessment of credit application proposals for Small and Medium scale enterprises, Agri Corporates as well an independent analysis of the borrower’s credit profile, financial analysis, and creditworthiness
- Assess customer requirements and suggest suitable loan product in line with policy parameters and business requirement
- Regular monitoring of the portfolio quality to control delinquencies
- Coordination with Sales Channels, Field Investigation Agencies, Risk Containment Unit Agencies
- Understanding of the laid procedures and recommending process modifications to enhance credit efficiency
- Maintain and monitor MIS with respect to Portfolio, Processing Activity, & Cost Reports
- Leading, mentoring & monitoring the performance of outsourced team members
- Coordinating activities for the identification of training needs of outsourced team members, sales team, sourcing channels for upgrading their technical skills
- Maintain unit cost control, identify and improve all areas for efficiency and effectiveness
- Proposed a format for 360-degree diligence process for loan applicants, which was adopted by the department on pan India basis
- Nominated for the ICICI Bank’s Talent Pool for two consecutive years
- Received recognition award from ICICI Bank for Elite Club contest
Assistant Manager Accounts & Finance
Sri Jayalakshmi Group
04.2006 - 01.2007
- Prepare Balance sheet and Profit and loss account on a monthly basis as per Indian GAAP
- Liaise with bankers for renewal of annual credit facilities and managing project appraisal process for loans from various banks
- Managing Day to day Operations & Scrutiny of accounts, ensuring the entries, payments, a/c reconciliation and fund management
- MIS reporting for business on daily/weekly/monthly basis, including monthly finalized results and comparison with budgets
- Finalization of accounts and coordinate with Chartered account firms for matters related to Income Tax
- Preparation of Fixed Assets Register and reconciliation with books of accounts
- Handling statutory and internal auditors and assisting due diligence audit
- Review of Trial Balance and Finalization of Quarterly, Half-yearly and Annual Balance Sheet as per Indian GAAP
Education
Chartered Accountant -
ICAI
The Institute Of Chartered Accountants Of India05.2004
B.Com. - Accounting & Finance
M.D.S. University
12.2001
A.I.S.S.C.E. - Commerce
C.B.S.E.
12.1998
A.I.S.S.E. -
C.B.S.E.
12.1996
Skills
- Credit Analysis
- Credit appraisal and Loan processing
- Time Management
- Troubleshooting and problem resolution
- Strategic planning
- Documentation and reporting
- Cross-functional team coordination
Educational Qualification
- Chartered Accountant, May 2004 from ICAI
- B.Com. from M.D.S. Univ., Ajmer in 2001 (Distinction - Accounting & Finance)
- A.I.S.S.C.E. (Commerce) from C.B.S E. in 1998 with 77% marks
- A.I.S.S.E. from C.B.S.E. in 1996 with 76% marks
Accomplishments
- Proposed a format for 360-degree diligence process for loan applicants, which was adopted by the department on a pan India basis.
- Nominated for the ICICI Bank’s Talent Pool for two consecutive years.
- Received recognition award from ICICI Bank for Elite Club contest.
Activities
- Attended Managerial effectiveness training conducted by ICICI Bank
- Attended Passion at Work training conducted by ICICI Bank
- Attended Negotiation Skills training program conducted by ICICI Bank
Trainingandarticleship
- M/s Arun Kumar & Company, Jaipur
- B.D. Gargieya & Company, Beawar
Languages
English
Hindi
Personal Information
- Husband's Name: Mr. Harsh Garg
- Date of Birth: 09/04/80
- Nationality: Indian
- Marital Status: Married
Hobby: writing blogs https://insightswithruchi.com
The journey of blogging is very fascinating as it is a continuous learning process which pushes me to pen down my thoughts. It drives me to research, experiment and develop new skills. It excites me to foster a community of readers who share my interests and adds value to their journey along with mine.
Timeline
For Personal Reasons
Career Break
03.2013 - 12.2024
Senior Manager, Credit SME
Axis Bank Ltd
04.2011 - 03.2013
Manager Credit & Relationship
ICICI Bank Ltd
01.2007 - 03.2011
Assistant Manager Accounts & Finance
Sri Jayalakshmi Group
04.2006 - 01.2007
A.I.S.S.E. -
C.B.S.E.
Chartered Accountant -
ICAI
B.Com. - Accounting & Finance
M.D.S. University
A.I.S.S.C.E. - Commerce
C.B.S.E.
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