Shivam Chopra
Assandh
Summary
Credit Manager with 3+ years of experience is seeking to succeed in an environment of growth and excellence and earn a job which provides me satisfaction and self-development to help me achieve personal as well as organizational goals
Overview
8
8
years of professional experience
Work History
Credit Manager
Avanse Financial Services Ltd.
Chandigarh
01.2025 - Current
- Review Education Institute Loans (EIL) and Loans Against Property (LAP) up-to Rs.5 Cr by conducting thorough due diligence within TAT to either decide on cases or recommend them to the respective authorities.
- Detailed analysis of banking and financial statements to assess borrower income, cash flow and repayment capacity to assign appropriate credit limits and LTV ratios.
- Regularly monitor the regional portfolio to identify high-risk areas requiring management attention, conduct collection visits for delinquent customers when necessary to improve portfolio health.
- Verify the authenticity, ownership, market value of pledged assets and ensure all legal, technical with regulatory paperwork is accurately processed and legally binding. Additionally, maintain regular follow-up to clear all Post Disbursement Documents (PDD).
- Conduct a Video PD and Physical PD with the client to assess their business operations. During the physical visit, perform a detailed income and expense analysis to evaluate the customer's repayment capacity.
Credit Manager
Aditya Birla Capital
Karnal
03.2023 - 01.2025
- Review STUL (Small Ticket Unsecured Loans) credit proposals, carry out thorough due diligence stipulated turnaround times and decision of the cases / recommend the same to respective authorities.
- Checking Liquidity, business stability ratios to assess eligibility for Loans sanctioning.
- Conducting Tele PD (Personal Discussion) with Business Clients & PD at client office.
- Regularly Review & Monitor the Portfolio of the region. Bring in the expertise of identifying the grey areas which need immediate attention of the management.
- Regularly Review & Monitor Vendor Management, Portfolio Performance, compliance and closure of Audit queries.
- Regularly conducting Meetings with Stakeholders, DSA’s, Vendors for Smooth Process and Compliance.
Articled Assistant
Damodar Agrawal & Associate
New Delhi
12.2018 - 12.2021
- Prepared 30+ Tax Audit Report consisting of Individual, Firms & Companies in Form 3CA 3CD & Form 3CB-3CD.
- IncomeTax Preparation & filling of 100+ returns fordiverse clients including Companies, Firms & Individuals.
- GST Compliance including reconciliations & filling of returns (GSTR 1 & GSTR 3B).
- Conducted/ Assisted in Statutory Audits of companies engaged in manufacturing & supply trading activities (MEIS/SEIS Licenses), service industry etc. having turnover ranging from Rs.10 lakhs to 50+ crore.
- Analyze Financial Statements including notes to accounts of companies and scrutinized compliance of TDS as well as applicable Accounting Standards.
- Scrutinizedledgers, reconciled debtor and creditor balances,vouched income & expenditure.
- Experienced in filing of ROC formss like AOC-4, AOC-4 CFS, XBRL, MGT-7, ADT-1 etc. and various other form of companies and LLP.
Education
Chartered Accountant -
The Institute of Chartered Accountant of India(ICAI)
New Delhi11-2022
Bachelor of Commerce - undefined
Pandit Chiranjilal Sharma Government College
Karnal, Haryana06-2018
10+2 (C.B.S.E) - Commerce
Vivekanand Vidya Niketan
Assandh, Haryana03-2015
Skills
- Credit analysis
- Credit reports
- Portfolio management
- Research and due diligence
- Policy development
- Time management
- Adaptability
- Teamwork and collaboration
Accomplishments
- Recipient of Udaan Awards in Aditya Birla Finance Limited
- Recipient of Radical Ownership Awards in Aditya Birla Finance Limited
- Recipient of best BCM award in Avanse Financial Services Ltd.
- Scored Exemption in Financial Reporting, Global Financial Reporting Standards and Indirect Tax.
Co-Curricular Activities
- Organized all Co-Curricular activities of Tilak House in school. Secured as First position in Cricket Tournament at District Level.
- Supervised junior colleagues and ensured meeting daily deadlines during 2nd & 3rd year of articleship.
- Organized all Co-Curricular activities of Tilak House in school.
- Secured as First position in Cricket Tournament at District Level. Supervised junior colleagues and ensured meeting daily deadlines during 2nd & 3rd year of articleship.
Timeline
Credit Manager
Avanse Financial Services Ltd.
01.2025 - Current
Credit Manager
Aditya Birla Capital
03.2023 - 01.2025
Articled Assistant
Damodar Agrawal & Associate
12.2018 - 12.2021
Bachelor of Commerce - undefined
Pandit Chiranjilal Sharma Government College
Chartered Accountant -
The Institute of Chartered Accountant of India(ICAI)
10+2 (C.B.S.E) - Commerce
Vivekanand Vidya Niketan