Kritika Garg

Company Secretary (CS) from the Institute of Company Secretaries of India (ICSI); currently serving as Assistant Manager at HDFC Bank Ltd., Dehradun. Over 9 years of experience in quality control, credit analysis, loan documentation, and regulatory compliance within the banking sector. Proficient in reviewing and verifying loan documents, guiding files from pre-approval through to closing, and ensuring adherence to audit and funding requirements.

Skilled in financial statement analysis, KYC verification, risk assessment, and preparation of risk analysis reports. Effective communicator with strong relationship-building, interpersonal, analytical, problem-solving, and organizational abilities.

Assistant Manager – Quality Control Analyst - HDFC Bank Limited - Dehradun

(2016-05)

• Reviewed loan documentation to verify compliance with credit, audit, and funding/pre-funding requirements.
• Validated approved and executed documents to ensure consistency between sanctioned terms and executed agreements.
• Conducted quality review and approved new loan bookings, renewals, and modifications on the housing loan system.
• Performed quality review and approval of loan funding, payments, and interest rate updates.
• Audited mortgaged legal documentation and drafted agreements as required.
• Analysed financial statements and tax returns; prepared ratio analyses, risk assessment reports, and conducted KYC checks.
• Ensured all processed work remained in full compliance with established procedures and regulatory standards.
• Operated multiple loan and supporting systems to complete end-to-end quality reviews.
• Communicated and clarified queries regarding submitted items with processing and operations teams.
• Conducted onboarding and training sessions for new team members.
• Performed daily data reconciliation to ensure accuracy and integrity of records.
• Served as Vault Custodian; monitored movement of mortgaged documents in accordance with bank policy.
• Prepared and presented month-wise, quarterly, and annual comparative data reports for management reviews

Apprenticeship – Practising Company Secretary - Kashyap R. Mehta & Associates - Ahmedabad

(2013-01 - 2015-04)

• Filed e-forms with MCA/ROC including Annual Returns, Balance Sheets, and other statutory compliances.
• Maintained statutory registers and records as required under the Companies Act, 1956 (Register of Members, Directors' Shareholding, Investments, and Share Transfers).
• Ensured compliance with corporate governance norms and Listing Agreement clauses; filed quarterly compliances with the Stock Exchange.
• Drafted board minutes, resolutions of committees and general meetings, notices, and meeting agendas.
• Prepared and filed applications for change of company name, object clause, directorship changes, authorised capital revisions, bonus share issuances, and creation of charges.
• Recorded amendments to Articles and Memorandum of Association and handled other corporate affairs assignments.
• Assisted in preparation of Compliance Certificates and Corporate Governance Reports.
• Assisted in shifting of Registered Office within the state.

Company Secretary (CS) - Company Secretaryship - Institute of Company Secretaries of India (ICSI) (2013)

B.Com - Commerce - DAV (PG) College, Dehradun – HNB Garhwal University (2009)

ISC (Class XII) - Brightlands School, Dehradun (2006)

ICSE (Class X) - Brightlands School, Dehradun (2004)