POONAM PATEL adnmma@r.postjobfree.com

CHARTERED ACCOUNTANT +919*********

Flat A701, Brentford Building, Hiranandani Estate, G.B Road, Thane W-400607 Summary

A qualified Chartered Accountant, cleared CA final Six years ago in May, 2015. I have total 6 years experience of credit appraisal in retail lending ( Auto loan & Unsecured business loan ) EDUCATION

Chartered accountancy

Institute of Chartered Accountants of India

12/2009 - 05/2015

Courses

CA Final (Group II) - May, 2015 206\400 - 51.50%

CA Final (Group I) - Nov, 2014 225\400 - 56.25%

IPCC - May, 2011 414\700 - 59.14%

CPT - Dec, 2009 143\200 - 71.50%

Graduation

B.Com - 2012 79.57% - Mumbai University

H.S.C - 2009 76.00% - Maharashtra board

S.S.C - 2007 79.53% - Maharashtra board

WORK EXPERIENCE:

1. Manager - Credit at Niyogin Fintech Ltd, Business Loan Dept., Vidyavihar, Mumbai [ 2 Years, 9 Months: Sept, 2018 to till date ]

● Responsible for underwriting unsecured business loans while adhering to company’s credit policy.

● Calculation of the loan eligibility of the clients based on cash flow & balance sheet ratios.

● Analysis of Financial Statements and banking of the clients, various ratio analysis, from CIBIL checking existing loans taken by customer, dpd’s and taking corrective action in sanctioning or declining the files.

● Conduct PD with customer to establish credit worthiness.

● Responsible for overall supervision of activities like login, processing, approval and disbursement

● Ensure Audit & regulatory compliance.

● Also additional activities handled are 1) Portfolio analysis & maintaining Portfolio quality 2) Maintain

& Improve TAT 3) Conducting training for sales & channel partner 4) Doing UAT for new functionality added in system ( BRE testing), comparative analysis of banking software for Vendor finalization 5) Preparing various types of MIS.

2. Credit Manager at ICICI Bank Ltd, Auto Loan Dept., Bhandup, Mumbai [ 3 Years : Oct, 2015 to Sep, 2018 ]

● To check willingness and ability to pay in view of financial health of organization and individual after scrutinizing financial and other policy parameter. It includes initial application, underwriting and disbursal or denial of request with the goal of optimizing business sales and minimize bad debt losses.

● Appraisal of big ticket size cases involves: Analysis of financial given, business stability check, exercising due diligence in underwriting, History check: profile, major clientele, project details, no defaulter or criminal record, Checking of various relevant ratios: DSCR, FOIR, debt to equity ratio.

● CPC management: appointment and training of CPC staff including EDP staff for end to end process in auto loan finance.

● To maintain good rapport with other internal and external department, Communication with sales team regarding changes in policy and procedure, Training regarding sourcing quality, doing joint business development visit with sales staff and also accompany Relationship Manager in DSA and dealer visit.

● Managing outsourced agency/3rd party Vendor: getting work done from outsourced agency on timely basis. Outsourced vendor are there for FI updation, basic data entry and for EDP set up. 3. Account Audit and Tax Assistant at B. James & Co., Powai [ 5 Months : Jun, 2015 to Oct, 2015 ]

● Tax audit for manufacturing and trading company.

● Accounting and finalization of various professionals and enterprises.

● Return filing of TDS, Service Tax, Income Tax, VAT & professional tax. 4. Article Assistant at Sarangdhar & Co. Chartered Accountant, Kalyan [ 3 Years : Aug, 2011 to Aug, 2014 ] 1. AUDITS

● Internal audit for Government of Maharashtra undertaking, Abhyudaya Bank and NKGSB Bank.

● Concurrent audit and stock audit of Abhyudaya Bank and NKGSB Bank.

● Statutory audit (field work as well as report preparation).

● VAT audit and VAT audit report preparation for manufacturer, construction enterprise, hotelier, medical stores and Jewellers.

2. ACCOUNTING AND FINALIZATION

● Accounting and finalization of various professionals and enterprises 3. TAXATION WORK

● Tax Audit (field work as well as report preparation) for Professionals, Hospitals, Construction Enterprise, Manufacturing concern and Trading concern.

● Tax planning for professionals and enterprises.

● Vouching and verification of sales, purchases, expenses, cash book, journal book and other related documents..

4. OTHER COMPLIANCE RELATED WORK

● Return filing of TDS, Service Tax, Income Tax and VAT

● Filing of forms with ROC in case of companies, preparation of response regarding show cause notices in matter related to TDS, Service Tax, Income Tax and VAT. Personal Information:

Date of Birth : 12th Aug, 1991

Status : Married

Languages known : English, Hindi, Marathi

Hobbies : Listening music, Internet surfing, Watching TV

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