Sangeeta Rajguru
Mumbai
Summary
Looking for an opportunity in a fast-paced, growth-oriented organization to carve out a responsible position where I can utilize my skills, concomitantly develop new ones, and expand my technical horizons.
Overview
7
7
years of professional experience
Work History
Credit Manager - Retail Sector
ICICI Bank
Mumbai
10.2023 - Current
- Responsible for the entire lifecycle of the loan process, from credit application to disbursements.
- Conduct in-depth income and cash flow assessments.
- Evaluate credit reports, ratio analysis, and demographic analysis.
- Assessed over 1,200 loan applications across various product categories.
- Prepares comprehensive underwriting reports for facilitating credit decisions.
- Collaboration with cross-functional teams—sales, technical valuation, legal, field investigation, and risk containment—for effective loan processing.
- Responsible for training sales and operation teams for the digital Credit Manager and retail sector processes.
- Handled high-value loan applications ranging from ₹1 crore to ₹40 crores, with complete documentation, due diligence, and processing.
Audit Assistant
P.D. Heda & Co.
Goregaon West
12.2022 - 07.2023
- Handled the preparation, reconciliation, and filing of monthly, quarterly, and annual GST returns, along with documentation support for GST audits and departmental notices.
- Prepared and filed income tax returns for individuals, partnership firms, and private limited companies, ensuring accuracy and statutory compliance.
Article Trainee
Vinit Bohara & Associates and Hemant Shah & Associates LLP
Andheri East
07.2018 - 09.2021
- Experienced in accounting, bookkeeping, and finalization of accounts for individuals and private limited companies. Skilled in tax audit documentation, income tax return filing, and responding to tax notices. Proficient in GST registration, GST return filing, reconciliations, and preparation of documents for GST audits and refunds. Supported statutory and income tax audits with accuracy and compliance.
Education
Chartered Accountant -
Institute of Chartered Accountant of India
Mumbai05-2023
B.COM -
Ghanshyamdas Saraf College of Arts And Commerce
Malad West, Mumbai01.2018
HSC -
Durgadevi Saraf Junior College
Malad West, Mumbai01.2015
SSC
GVM High School
Malad East, Mumbai03-2013
Skills
- Analyze financial statements
- Interpret statutes
- Microsoft Excel
- Microsoft Word
- Microsoft PowerPoint
- Tally ERP
Languages
- English
- Hindi
- Marwari
Timeline
Credit Manager - Retail Sector
ICICI Bank
10.2023 - Current
Audit Assistant
P.D. Heda & Co.
12.2022 - 07.2023
Article Trainee
Vinit Bohara & Associates and Hemant Shah & Associates LLP
07.2018 - 09.2021
Chartered Accountant -
Institute of Chartered Accountant of India
B.COM -
Ghanshyamdas Saraf College of Arts And Commerce
HSC -
Durgadevi Saraf Junior College
SSC
GVM High School