Highlights:1. Reviewed and analyzed portfolio worth approximately $350 million for the bank annually through a comprehensive analysis of financial statements, credit reports, and other pertinent data, consisting majorly of corporate borrowers from diverse industries such as healthcare, manufacturing, retail, hydropower, FMCG and hospitality. 2. Analyzed financial models for 100+ clients across manufacturing and service sectors using three-statement models, DCF valuation, ratio analysis, and scenario/sensitivity analysis for project financing. 3. Drafted the bank's long-term strategy of the bank by conducting market research and identifying key growth opportunities along with focusing on digital transformation initiatives. 4. Developed and implemented credit policies, ensuring they align with industry best practices, the bank's risk tolerance, strategic goals and comply with the guidelines of the Central Bank. 5. Developed and implemented risk mitigation strategies to minimize credit losses and enhance portfolio performance. Effectively implemented structuring of loan terms and assessing collateral requirements to mitigate specific credit risks. 6. Identified credit weaknesses, policy or regulatory violations and delinquencies to ensure the soundness of the lending portfolio and assigned risk ratings to borrowers based on their creditworthiness and the likelihood of default. 7. Conducted due diligence on prospective borrowers, counterparties, and collateral to assess the quality and suitability of the credit exposure. Performed site visits, industry analyses, and legal reviews to validate information provided by borrowers and mitigate potential risks. 8 Spearheaded the development and delivery of comprehensive credit origination training for bank staff, equipping them with the knowledge and skills necessary to strengthen the bank's credit system. 9. Achieved a 90% success rate in meeting department and company objectives by delivering visually appealing presentations to higher management and board of directors, summarizing key credit risk information and metrics using graphs and charts. 10. Managed audit engagements for clients independently. Planned, coordinated, and executed audit procedures in accordance with applicable auditing standards and regulatory requirements. 11. Maintained strong client relationships by understanding their business operations, addressing concerns, and providing valuable insights to enhance audit quality and efficiency. 12. Organized and participated in planning and risk assessment process for audit engagements. 13. Conducted assessments of client internal controls, ensuring their effectiveness in mitigating financial reporting risks. 14. Reviewed workpapers, documentation, and audit findings to ensure compliance with auditing standards and KPMG’s methodology.

Skills:Chartered Accountant, Financial

Goal:Result oriented chartered accountant and finance professional with 12 years of working experience, including 5 years of auditing expertise at Big 4 accounting firms. I possess a sharp eye for financial analysis, risk assessment, and regulatory compliance, leveraging this skillset to safeguard organizational stability and profitability by identifying and mitigating financial risks. Seek to make a difference in the workplace with strong leadership and management skills. Consistently recognized for contributions that make me a key member of the organization.

Membership:Chartered Accountant (Institute of Chartered Accountants of India-ICAI), Member since 2013 Certified Public Accountant (USA CPA) Ongoing

Certification:Master of Commerce in Finance and Taxation IGNOU, India, 2016 Bachelor of Commerce with Accountancy and Finance IGNOU, India, 2013 Maharishi International University, Fairfield, Iowa 2026 Graduation Anticipated

Executive 08/2024 - 03/2016
BSR & Company LLP, (KPMG’s affiliated audit firm), Gurgaon, Delhi India
Industry: Service
Managed audit engagements for clients independently. Planned, coordinated, and executed audit procedures in accordance with applicable auditing standards and regulatory requirements.
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Senior Risk Officer 03/2016 - 10/2023
Nepal Investment Mega Bank Limited, Kathmandu, Bagmati Nepal
Industry: Banking
Worked with Risk Management Department of the Bank where I reviewed and analyzed credit portfolio of the bank through a comprehensive analysis of financial statements, credit reports, and other pertinent data, consisting majorly of corporate borrowers from diverse industries such as healthcare, manufacturing, retail, hydropower, FMCG and hospitality.
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Intern 09/2010 - 01/2014
S.R. Batliboi & Co. LLP, (EY’s affiliated audit firm), Gurgaon, Delhi India
Industry: Service
Assisted in performing statutory audit and tax audit procedures under the supervision of senior auditors or managers of both public and private companies.
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Institute of Chartered Accountants of India 12/2008 - 11/2013
Delhi, Delhi, India
Degree: Professional Degree
Major:Financial Reporting, Cost Accounting, Strategic Financial Management, Taxation, Regulation
Member of ICAI Feb 2014

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