Vibha Hindocha
Chartered Accountant
Rajkot
Summary
A highly motivated and result-driven banking professional seeking a challenging role where I can leverage my experience.
Overview
13
13
years of professional experience
6067
6067
years of post-secondary education
3
3
Languages
Work History
Area Head – BBG Credit
ICICI Bank
08.2022 - Current
- Handling working capital portfolio of part of Rajkot and Surendranagar for ticket size of Rs. 10 lacs to Rs. 50 Crores for working capital requirements. Also handled Gandhidham location during the tenor.
- Holding authority to approve lending up to Rs. 5 Crores
- Handling team of credit managers. Regularly imparting training to the credit team members.
- Analyzing proposals from customers assessed by the credit managers and taking decisions for applications for Working capital Fund based & Non fund based facilities by analyzing the industry performance, the financial position of the customer, repayment history, future projections and prospects etc.
- Regular monitoring of the portfolio to check and control delinquency, pendency of post disbursement documentation, pending security documents and ensuring timely closure of pending compliances.
- Taking initiative for corrective actions based on market scenario and feedback
- Identifying stress account at early stage and ensuring timely exit of such accounts.
- Visiting the customers and locations outside where the policy or assessment demands
Credit Manager
HDFC Bank
04.2018 - 07.2022
- Handling Transportation, Infrastructure, Healthcare and Education portfolios for entire Saurashtra for ticket size of Rs. 1 Lac to Rs. 5 Crores
- Holding authority to approve lending up to Rs. 3 Crores
- Appraising and taking decisions for applications for Long term loans on new & used assets & infrastructure, Working capital Fund based & Non fund based facilities and Unsecured loans by analyzing the industry performance, the financial position of the customer, repayment history, future projections and prospects
- Regular monitoring of the portfolio to check and control delinquency, pendency of post disbursement documentation, pending security documents, post disbursement asset verifications, regular revaluation of immovable collateral properties, Risk Intelligence rejections.
- Taking initiative for corrective actions based on market scenario and feedback
- Monitoring the stress Accounts cautiously and trying for resolution with co-ordination from Collection and Business Teams
- Handling half yearly Audit of the credit Department and also monthly audits of the credit Appraisal Memos submitted.
- Regular interaction with the Policy, Legal and IT Teams of the organization for discussion on areas which need improvement
- Reporting to the policy team monthly on the Account performance, low churning Accounts, deferrals, accounts having open exposure, property revaluations, stock Audits and delinquent Accounts
- Regularly imparting training to the credit team members, Relationship Managers, Operation Managers, Sales officers, Filed verification executives, Asset valuers
- Managing the External agencies providing Field verification services, immovable and movable assets valuation, Legal, Direct selling Agents, among others. Managing their empanelment, escalations, quarterly and annual reviews, and termination of these agencies
- Meeting with the Operations, Business, Collection and Risk Investigation Teams monthly to ensure smooth function and to discuss the issues being faced with regards to products or processes
- Visiting the customers and locations outside where the policy or assessment demands
Chartered Accountant
Ranpura Desai & Co.
10.2015 - 04.2018
- Performing Audit and related tasks such as discussing the scope, nature, extent and timing of audit conducted, audit documentation, assisting the staff etc.
- Conducting audit of various clients including private companies, firms, individuals etc.
- Preparing Statutory Audit, Internal Audit and Tax Audit Reports.
- Preparing of Income tax and TDS returns.
- Correspondence with income tax authorities. Preparing submission for income tax assessment and CIT (Appeals).
- Preparation of project report/CMA data including existing and new venture.
- Registration of partnership firms with Registrar of firms and incorporations of LLPs.
- Preparing certificates including certification under RERA.
Article Trainee
Sanghavi & Co.
02.2012 - 02.2015
- Have managed and completed several Audits including private limited companies, trusts, insurance company etc.
- Scrutinize and ensure accuracy of accounting records, their compliance with statutory and international requirements. Reporting the irregularities notices to the Management and implementing recommendations to improvise the system
- Involved in all the aspects of Income Tax, TDS, Auditing etc.
Education
CA Final -
The Institute of Chartered Accountants of India
Rajkot 04.2001 - 07.2017
Master of Commerce -
Saurashtra University
Rajkot 04.2001 -
Bachelor of Commerce -
Saurashtra University
Rajkot, India03-2013
H. S. C. -
Guj. Secondary & Higher Secondary Edu. Board
03-2010
S. S. C. -
Guj. Secondary & Higher Secondary Edu. Board
03-2008
Diploma in IFRS -
ACCA
05-2019
Skills
- MS Office
- Excel
- Word
- Outlook
- PowerPoint
- Tally ERP9
- Miracle
- SAP (Audit)
- Genius and Kitrat
Spouse
CA Devang Rupareliya
Personal Information
- Date of Birth: 06/19/93
- Nationality: Indian
- Marital Status: Married
Academics And Trainings
- Orientation Program, WIRC Branch of ICAI, Rajkot, 02/01/12
- General Management and Communication Skills, WIRC Branch of ICAI, Rajkot, 01/01/15
- Information Technology Training (ITT), WIRC Branch of ICAI, Rajkot, 12/01/11
Strength
- Adaptability and Punctuality,
- Adhering to time based deadlines,
- Clear and concise written and verbal communication,
- Dedicated and committed towards work,
- Believe in and always give quality output of work.
Timeline
Area Head – BBG Credit
ICICI Bank
08.2022 - Current
Credit Manager
HDFC Bank
04.2018 - 07.2022
Chartered Accountant
Ranpura Desai & Co.
10.2015 - 04.2018
Article Trainee
Sanghavi & Co.
02.2012 - 02.2015
CA Final -
The Institute of Chartered Accountants of India
04.2001 - 07.2017
Master of Commerce -
Saurashtra University
04.2001 -
Bachelor of Commerce -
Saurashtra University
H. S. C. -
Guj. Secondary & Higher Secondary Edu. Board
S. S. C. -
Guj. Secondary & Higher Secondary Edu. Board
Diploma in IFRS -
ACCA
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