Smruthi Saikumar

• Oversaw diverse portfolio valued at Rs 250 billion within wholesale lending sector across India.
• Collaborated with business teams to support informed decision-making during renewal, enhancement, and disbursement stages.
• Analyzed financial statements and credit histories to evaluate default risk and identify causes of credit deterioration.
• Conducted periodic portfolio reviews to assess quality, trends, and potential risks, recommending corrective actions.
• Published monthly and quarterly reports highlighting key indicators, trends, and changes in credit environment.
• Developed workflows to signal high-risk cases, ensuring timely communication with business and risk teams.

Oversaw statutory and tax audits, encompassing limited reviews for listed entities, ensuring adherence to Companies Act, 2013, CARO, 2016, accounting standards, and additional relevant statutes.

Handled GST compliance for clients with turnovers of ₹100-150 Crores. Prepared and filed Income Tax Returns, TDS Returns, and appeals with tax authorities, while assisting in litigation before appellate bodies.