Ruchita Loya
Summary
Accounting and Taxation Executive with over 8 years of experience in financial reporting, internal and statutory audits, compliance, and taxation. Proven track record of improving cash flow processes, reducing bad debts, and managing end-to-end accounting functions. Experienced in both Indian and international accounting practices with hands-on knowledge of tools like Tally, Xero, and QuickBooks. Known for process implementation, problem-solving, and training junior staff.
Overview
13
13
years of professional experience
Work History
Associate
Bluebox Consulting Pte. Ltd.
01.2022 - 06.2025
- Assisted clients with company incorporation, secretarial services, and GST compliance in Singapore.
- Handled payroll processing, bank reconciliations, and year-end financial reports.
- Generated and prepared financial statements and XBRL filings.
- Trained junior accounts executives in accounting processes and compliance protocols.
- Remote
Accounts Executive
Krishna Consultants
11.2017 - 12.2018
- Managed invoicing and receivables for international institutions in Australia and the USA.
- Involved in payroll and accounts payable functions.
- Coordinated with internal teams for effective cash flow management.
Audit Assistant
Shah Baheti Chandak & Company
08.2012 - 10.2017
- Conducted internal and statutory audits for private firms, banks, and non-profit organizations.
- Managed tax audits under Income Tax and Company Law.
- Specialized in indirect taxation including GST, VAT, and Service Tax.
- Supervised payroll compliance (PF, ESIC) and trained new audit trainees.
Education
Chartered Accountant - CA - IPCC
The Institute of Chartered Accountants of India
Company Secretary - CS - Foundation
The Institute of Company Secretaries of India
Bachelor of Commerce - B.Com
Kesharbai Lahoti College of Commerce, Amravati University
Amravati, MaharashtraSkills
- Financial Accounting & Reporting
- Taxation (GST, VAT, TDS, Income Tax)
- Internal & Statutory Audits
- Legal & Regulatory Compliance
- Payroll & Vendor Management
- Receivables & Payables
- Software: Tally ERP 9, Xero, QuickBooks (Online & Desktop), MS Office
Languages & Communication
Fluent in English, Hindi, and Marathi
Strong written and verbal communication skills
Comfortable working with cross-functional teams
Accomplishments
- Reduced outstanding receivables from 40% to 25% in one year.
- Cut down bad debts from 7% to 3% over three consecutive quarters.
Industries Served
Banking, Insurance, Non-Profits, Real Estate, Automotive, Healthcare, Restaurants, Overseas Education
Timeline
Associate
Bluebox Consulting Pte. Ltd.
01.2022 - 06.2025
Accounts Executive
Krishna Consultants
11.2017 - 12.2018
Audit Assistant
Shah Baheti Chandak & Company
08.2012 - 10.2017
Chartered Accountant - CA - IPCC
The Institute of Chartered Accountants of India
Company Secretary - CS - Foundation
The Institute of Company Secretaries of India
Bachelor of Commerce - B.Com
Kesharbai Lahoti College of Commerce, Amravati University
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