Shruti Tongya
Ahmedabad
Summary
Results-driven finance professional with hands-on experience in credit processing for MSME lending, statutory and internal audits, GST and income tax compliance, and financial reporting. Adept at assessing financial statements, managing client portfolios, and ensuring regulatory accuracy. Passionate about leveraging strong analytical and communication skills to drive business success in the banking and financial services industry.
Overview
6
6
years of professional experience
Work History
Credit Processing Executive-MSME
Yes Bank Ltd.
Indore
03.2022 - 03.2023
- Processed credit proposals for MSME clients, including renewal and new-to-bank (NTB) cases, using COLORS software.
- Conducted financial assessment and banking analysis for credit evaluation and decision-making.
- Monitored portfolio health and hygiene by tracking compliance, repayment records, and risk indicators.
- Reviewed hygiene lists and performed deduplication to maintain data accuracy and adherence to regulatory guidelines.
- Coordinated with internal teams to ensure a smooth workflow and minimal turnaround time for credit processing.
Accounts & Audit Assistant
V.K Dafaria and Co.
Indore
03.2018 - 03.2020
- Filed GST returns and income tax returns for individual and corporate clients, ensuring compliance with statutory deadlines.
- Managed GST and income tax registrations for new clients and businesses.
- Conducted statutory audits of companies across sectors, preparing detailed audit reports.
- Developed Credit Monitoring Arrangement (CMA) reports for clients seeking bank funding.
- Handled MSME registrations, supporting clients in availing benefits under government schemes.
Audit & Compliance Assistant
SBPC and Associates
Indore
08.2017 - 02.2018
- Filed regulatory returns with the Ministry of Corporate Affairs, ensuring timely compliance.
- Conducted internal audits for public companies, and stock audits for banks, to validate inventory and financial accuracy.
- Prepared and filed TDS and TCS returns, maintaining adherence to tax laws.
- Executed tax audits and prepared comprehensive tax audit reports.
- Prepared bank reconciliation statements and miscellaneous financial reports.
- Facilitated licensing processes, including Gumasta license applications for clients.
Education
Bachelors of Commerce - Finance
Devi Ahilya Vishwa Vidyalaya
Indore06-2018
Class XII -
Central Malwa Academy
Dewas05-2015
Class X -
Central Malwa Academy
Dewas05-2013
Skills
- Credit processing
- GST filing
- Audit reporting
- Team coordination
- Problem solving
- MS-Office
- Reiki
- Vedic Astrology
Sports And Culture
- Head Girl of the School for the session 2014-2015
- ISC, Dewas District topper in Class 12
- Awarded Student of the year in Class 12
- Awarded several Monthly Performances Awards during Class 12
Extra Curricular Activities Hobbies
- Cooking and Baking
- Cleared 2nd level of Reiki from USUI SHIKI RYOHO
- Vedic Astrology
Languages
- English
- Hindi
Certifications And Skills
- Pursued CA Final
- Proficient in MS-Office
- Financial Modelling
- Tally
Personal Information
- Father's Name: Mr Shailendra Tongya
- Mother's Name: Mrs. Taruna Tongya
- Date of Birth: 01/19/98
- Marital Status: Single
Languages
French
First Language
Accomplishments
- Head Girl, Central Malwa Academy, 2014–2015
- District Topper – ISC Class 12th, Dewas, 2015
- Student of the Year, Central Malwa Academy, Class 12th
- Recipient of multiple Monthly Performance Awards for academic excellence and overall contribution in Class 12th
Timeline
Credit Processing Executive-MSME
Yes Bank Ltd.
03.2022 - 03.2023
Accounts & Audit Assistant
V.K Dafaria and Co.
03.2018 - 03.2020
Audit & Compliance Assistant
SBPC and Associates
08.2017 - 02.2018
Bachelors of Commerce - Finance
Devi Ahilya Vishwa Vidyalaya
Class XII -
Central Malwa Academy
Class X -
Central Malwa Academy
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