Independent Consultant – Finance, Treasury & Advisory at Independent Consultant (2025-10 – Present)
- Advising corporates and SMEs on financial structuring, lender-ready reporting, and governance frameworks aligned with bank and institutional expectations.
- Supporting working capital assessment, liquidity planning, refinancing analysis, and cash-flow optimisation for management decision-making and lender discussions.
- Provided advisory and review support on bank guarantees, letters of credit, and non-fund-based facilities, ensuring alignment with regulatory and banking requirements.
- Conducted detailed review of BG documentation, margin structures, and compliance frameworks, identifying gaps and recommending control improvements.
- Strengthened internal control systems around BG lifecycle (issuance, monitoring, invocation, and accounting) for enhanced governance and audit readiness.
- Preparing and reviewing financial projections, cash-flow models, sensitivity analysis, and MIS dashboards to support funding evaluation and performance monitoring.
- Assisting promoters and senior leadership in bank interactions, credit discussions, and compliance with financial covenants.
- Reviewing treasury policies, investment compliance, and fund utilisation frameworks, ensuring alignment with regulatory and risk parameters.
- Supporting tax reviews, GST assessments, and financial risk evaluations for SMEs and institutions.
- Acting as Subject Matter Expert (IIBF) and Trainer (NSE Academy), contributing to finance capability development and applied finance learning.
- Collaborating closely with promoters and CXOs to strengthen finance functions, scalable processes, and financial discipline.
Associate Director – Control Assurance | Audit & Assurance at Deloitte (2026-06 – 2026-08)
Leading an onsite Controls Assurance and Internal Audit engagement for a leading insurance company in Saudi Arabia, focusing on governance, risk management, and internal control frameworks.
- Evaluating the design and operating effectiveness of internal controls across key business processes to identify control gaps, enhance governance, and improve operational effectiveness.
- Assessing enterprise risk management practices, regulatory compliance, and governance frameworks through a risk-based audit approach.
- Collaborating with client leadership and cross-functional stakeholders to communicate audit observations, recommend process improvements, and support implementation of corrective actions.
- Supporting the execution of audit planning, risk assessments, control testing, reporting, and stakeholder presentations in accordance with Deloitte's audit methodology and quality standards.
- Onsite engagement in Saudi Arabia, delivering Controls Assurance and Internal Audit services for a leading insurance sector client.
- Exposure to multinational business environments, cross-border stakeholder management, and international governance and risk management practices.
- Collaborating with client management and Deloitte engagement teams across geographies to deliver high-quality assurance services within defined timelines.
Manager – Treasury at National Credit Guarantee Trustee Company Ltd. (NCGTC) (2022-12 – 2025-09)
Played a key role in treasury operations, liquidity planning, and fund management for a government-backed institution managing funds of approximately ₹56,000 crore.
- Led cash-flow monitoring, fund availability analysis, and liquidity forecasting, ensuring timely availability of funds in line with institutional commitments and regulatory norms.
- Worked closely with banks, financial institutions, government stakeholders, and auditors on fund flows, reporting, and compliance requirements.
- Supported preparation and review of financial information relevant for credit assessment, risk evaluation, and sustainability of large-scale financial programs.
- Coordinated statutory audits, internal audits, and compliance reviews across NCGTC and its 14 trusts, achieving zero major audit observations.
- Designed and implemented an Enterprise Risk Management (ERM) framework integrating financial, liquidity, operational, and compliance risks.
- Strengthened internal financial controls, SOPs, and treasury governance mechanisms, aligning processes with regulatory and institutional expectations.
- Automated treasury workflows and MIS reporting through digital initiatives, improving accuracy, turnaround time, and control environment.
- Partnered with senior management on financial insights, risk analysis, and strategic decision support.
Professional Practice at Anand Kaku & Co – Chartered Accountants (2012-07 – 2022-11)
- Advised corporates, banks, and SMEs on financial planning, working capital analysis, cash-flow management, and fund utilisation.
- Supported clients in bank finance–related matters, including preparation of financial statements, projections, and explanations for lenders.
- Conducted credit-oriented reviews of financials, receivables cycles, internal controls, and operational cash flows.
- Conducted concurrent and statutory audits of banks, including verification of bank guarantees, letters of credit, and non-fund based exposures.
- Reviewed issuance, documentation, margin requirements, and compliance of bank guarantees as part of audit procedures.
- Tested internal controls over BG issuance, invocation, and accounting treatment.
- Led statutory, internal, tax, and concurrent audits for banks, corporates, and SMEs, ensuring compliance and financial discipline.
- Advised promoters on cost optimisation, liquidity improvement, and strengthening financial governance frameworks.
- Served as a trusted advisor to management on finance, compliance, and risk mitigation.
Senior Associate at KPMG (2021-09 – 2022-02)
- Executed audit engagements for US-listed and large corporate clients, ensuring compliance with US GAAP and SOX controls.
- Reviewed financial statements, internal controls, and key risk areas relevant for investor and lender confidence.
- Coordinated with global stakeholders and cross-functional teams under tight regulatory timelines, delivering high-quality audit outcomes.
