Rutul Kadia

adwodo@r.postjobfree.com

linkedin.com/in/rutulkadia/

+1-563-***-****

Education:

MBA Finance-2012

BBA – 2010

Total Experience:

9+ years

Skills

• Proficiency in financial

software and Microsoft Excel.

LMS, Salesforce, AUS, Clerity –

AMC, Acuity - Document

Classification & Data

Extraction System, Excel

• CAM (Credit Assessment

Memo)

• MS office word, excel (V

lookup, H lookup) including

trial balances and PowerPoint.

• SAP, SQL

• Virtual Workspace

Language

• English

• Hindi

• Gujarati

• Marathi

Area of Interest

• Financial Planning and

Analysis, Investment Analysis,

Corporate finance,

• Co-Ordinate with Client

• Accounting and Financial

Reporting.

• Data Analysis

• Identifying Risk

Core Proficiencies

• Policies Compliance

• Exception processes

• Research

• Data aggregation

Achievements:

• Awarded for employee of the

Month and year in Situs AMC

and LendingKart.

• Manage portfolios of

customers as a confidence

building measure for

organization

• Identified and reported a

potential fraudulent

applicant.

• Awarded for good financial

planner.

Experience

Financial industry leader drawing on extensive experience in Financial Analysis & techniques, Financial Reporting, Forecasting Budgeting, Investment analysis, credit analysis, and risk management to support company growth and meet client expectations. Problem solver offering genuine solutions for difficult projects and mentoring/training team members to achieve goals. Forward- thinking advisor taking the extra effort to make client dreams a reality. Previous success in banking and non-banking organizations, including mortgage and fintech startup companies. Professional Experience

Situs AMC - Senior Financial Analyst (Dec 2020-Jan 2023)

• Prepared financial reports and presentations to support new product programs and other projects, including analyzing financial data, preparing financial models and forecasts, and providing recommendations to senior management.

• Developing and maintaining financial models to support strategic planning decision-making. worked with various departmets to develop annual budgets, quarterly forecasts, and financial planning.

• Responsible for regular financial statement analysis of the property to ensure that, quality, accuracy, and risk identification. This includes analyzing income and expenses, balance sheets, accounts receivable, preparing cash flow statements, and forecasting future revenue and expenses.

• Review and prepared various reports like EBITDA, Cash Flow, DCF (Forcast cash flow, discount rate, terminal value, and calculating present value).

• Identify credit risk based on financial data analysis, collateral analysis, bank statement analysis, and ratio analysis (Loan-to

-value, debt-to-income, debt coverage, leverage ratio, profitability ratio).

•Review financial statements to ensure they comply with GAAP requirements, such as revenue recognition, expenses, and asset valuation.

• Analysis of tax returns of individuals and companies to conclude credit risk assessment.

• Train new staff and coordinate various activities for the departments, including month-end reporting of classified loans, and other real estate regulatory reporting.

AnyDay Fintech PVT LTD. - Senior Credit Analyst (Sept 2018 – July 2020)

• Provided input on custom credit policy creation and modification.

• Being the very first members of the credit team and the company, effectively performed tasks from accepting loan applications, document collection, credit underwriting - analysis, and all operations till disbursement.

• Identify credit risk based on financial data analysis, GAAP and Financial planning, cash flow generation, risk rating, debt capacity, Financial Documentations, collateral analysis, ratio analysis, bank statement analysis and making financial report.

• Developed optimized process for reviewing, analyzing, and evaluating credit risk and creditworthiness.

• Verifying customer credit application information from bank statements and credit rating reports.

• Prepare EBITDA report and CAM (Credit Approval Memorandum) for each applicant and discussion with the borrower to answer any queries, issues, etc.

• GAAP and Financial planning analysis and participated in ad-hoc financial projects as assigned.

• Analyzed key performance indicators and made recommendations for improvement.

• Collaborated with other departments to develop and implement financial strategies.

• Maximized contribution on UAT of the first credit assessment software of organization by implementing of business process flow in various stages.

LendingKart Technologies Pvt. - Loan & Credit Specialist (Nov 2015 to Nov 2017)

• Responsible for appraising and assessing risks for a loan under SME/ Working Capital Business loan, Personal Loan

(Unsecured).

• Responsible for providing detailed information to the prospective borrower on existing options for obtaining loans.

• Identify and analyze risks (economic, social, political, etc.) related to the broader loan portfolio; ensure portfolio diversification and quality across activities and areas.

• Conduct a personal discussion with customers to establish Credit Worthiness.

• Interact with the client, gather requirements, Financial Statements, and other inputs for performing quality credit analysis and due diligence.

• Prepared Internal Financial Reports based on analysis.

• Develop and implement credit risk mitigation strategies. Celebrus Capital Ltd - Assistant Manager (Jan 2013 to Oct 2015)

• Manage portfolios of customers as a confidence-building measure for the organization.

• Handling and managing the team includes assigning work, coordinating with other teams, and conflict resolutions.

• Responsible for activities regarding accounting, financial analysis, customer acquisition, and maximizing revenue.

• Perform due diligence on new and existing customers, including financial analysis and industry research.

• Create and support client retention strategies for the existing customer base and new customers.

• Analyze financial data to identify trends and help senior management make informed decisions. Includes analyzing revenue and expense trends, performing variance analysis, and preparing financial reports.

• Successfully trained team members for software upgrades as per state and central finance department guidelines.

• Effectively leads a team of 10 people.

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