Kiran Sonar

Qualified CA with experience in audit, taxation, and risk evaluation, skilled in financial reporting, compliance, and MIS reporting backed by a strong academic record and results-driven work ethic.

Insurance Risk Analyst at FIRST POLICY INSURANCE BROKERS PVT LTD (Present)

• Evaluated commercial risk profiles for corporate client with T/o ₹ 3000 Cr, assessing financial exposures and recommending optimal risk retention strategies across a diversified insurance portfolio.
• Tracked and analyzed portfolio performance metrics, identifying risk concentration trends and presenting findings to senior leadership to guide underwriting decisions.
• Collaborated with relationship managers and institutional underwriters to structure customized risk solutions for mid-to-large corporate accounts, ensuring timely policy execution.
• Ensured 100% compliance with IRDAI regulatory frameworks across all policy documentation, eliminating legal and operational risk at the processing stage.
• Prepared executive-level risk reports and premium trend analyses, enabling data-driven refinement of underwriting guidelines.
• Conducted post-claim root-cause evaluations in coordination with claims teams, identifying control gaps and recommending improvements to reduce future exposure.

ARTICLED ASSISTANT at G M VISPUTE & ASSOCIATES (2022-07 – 2025-11)

• Conducted internal audit covering Procure-to-Pay, Order-to-Cash, Record-to-Report, and CapEx cycles identifying 10+ control gaps and presenting actionable recommendations to management.
• Executed audits across manufacturing, trading, and financial operations, evaluating Internal Financial Controls (IFC) and flagging non-compliances with remediation timelines.
• Prepared Internal Audit Reports with root-cause analysis and working capital improvement recommendations, directly adopted by client management in two engagements.
• Managed audits for high-turnover clients, verifying fund flow, exposure limits, and adherence to RBI and statutory norms.
• Prepared and filed income tax returns for 100+ clients across individuals, firms, and corporates, ensuring accurate TDS, TCS, and Advance Tax computation and timely compliance.
• Led Tax Audit engagements under Section 44AB, completing 3CA/CB/CD submissions within statutory deadlines across multiple clients in a single assessment year.
• Drafted and submitted responses to Income Tax Department notices under Sections 142, 143, and 148, resolving assessments without adverse orders.
• Performed Rule 11UA valuation of unquoted equity shares for private limited companies, applying DCF and NAV methodologies to satisfy Income Tax Act requirements.
• Prepared Form 15CA/15CB for foreign remittances, ensuring full regulatory compliance for cross-border transactions.
• Filed 25+ GST returns (GSTR-1, 3B, 9, 9C) for clients across service and manufacturing sectors, maintaining zero-default compliance records.
• Drafted appeals to appellate authorities under Sections 73/74 for service sector clients, presenting structured legal arguments to contest demand notices.
• Conducted GST Impact Assessments for clients undergoing structural or operational changes, advising on tax efficiency and compliance readiness.

CA Final – Institute of Chartered Accountants of India (2025-09)

CA Intermediate (G-2) – Institute of Chartered Accountants of India (2023-05)

CA Intermediate (G-1) – Institute of Chartered Accountants of India (2021-07)

CA CPT – Institute of Chartered Accountants of India (2018-06)

B.Com. (Hons.) – YCM Open University (2020 – 2022)

Class XII (HSC) – Maharashtra State Board (2018)

Class X (SSC) – Maharashtra State Board (2016)