Manmeet Kaur Suri

Designated Chartered Accountant (ICAI) and CFA Level II candidate with 6+ years of progressive experience in credit underwriting, financial risk analysis, and statutory audit across banking, fintech, and public accounting sectors in India. Recognized for delivering high-quality, timely credit decisions on complex unsecured business and personal loan portfolios — balancing risk appetite with sustainable portfolio growth. Career spans senior credit adjudication at IDFC First Bank (Delhi/NCR), underwriting at fintech i.e.

CoinTribe Technologies, and audit & compliance work, offering a rare combination of analytical rigour, regulatory acumen, and credit risk expertise.

Bookkeeper at Smart Telecom & Automation Solutions, Canada (June,2024 to March,2026)

• Record customer invoices, credit memos, and incoming payments accurately into QuickBooks, ensuring all transaction data — including pricing, terms, quantities, and customer details — is complete, verified, and compliant with company standards
• Apply customer payments to open invoices and actively maintain an accurate accounts receivable (AR) aging report, proactively identifying overdue balances and coordinating timely follow-up to support healthy cash flow
• Perform regular bank account and credit card reconciliations, identifying and resolving discrepancies with precision to ensure the integrity and accuracy of all financial records
• Support month-end and year-end close processes, including account reconciliations, adjusting entries, and preparation of basic financial reports — ensuring deadlines are consistently met with accuracy
• Prepare clear, actionable financial and sales reports using QuickBooks and MS Excel — including AR aging summaries, sales performance reports, and customer account statements — to support informed management decision-making
• Serve as a responsive first point of contact for management and sales staff regarding customer account inquiries, invoice status, and payment history — delivering accurate, timely information that supports exceptional customer service and smooth sales operations
• Set up and maintain accurate customer account profiles and contact information in QuickBooks, ensuring data integrity across the billing, sales, and customer service functions
• Maintain a well-organised electronic and physical filing system for all accounting records, invoices, sales documentation, and correspondence — ensuring documents are accessible, audit-ready, and stored in compliance with record-keeping standards
• Collaborate closely with the sales team to investigate and resolve discrepancies or missing information on purchase orders and sales orders — acting as a bridge between accounting and sales to prevent billing errors and maintain positive customer relationships

Credit Manager — Unsecured Business & Personal Loans at IDFC First Bank Ltd. (May,2020 to June,2024)

• Evaluating and researching clients credit worthiness. Performing in-depth analysis of CIBIL credit bureau reports, financial statements, Financial ratios, 12-month banking behaviour, and GST returns to determine creditworthiness and based on this approving and rejecting the loan application.
• Conducted comprehensive due diligence through Tele-PD, Video-PD, and in-person field visits — evaluating business viability, revenue streams, management credibility, and repayment capacity across majority of the industry segments.
• Underwriting loans for businesses and professionals say financial based underwriting (net profit program), banking-based underwriting (ABB), GST Program for businesses and similar programs for professionals with an additional gross receipt program
• Follow up with clients to complete necessary documents required.
• On the job training to newly hired employees.
• Making sure EMIs are paid on time and regularly once loan is disbursed.
• Coordinating with agencies (involved in client's home and office verification) with regards to their billing and providing them necessary support required (if any).
• Coordinating with sales team for collection of documents and collection of EMIs from customers.
• Managed loan restructuring and Government Emergency Credit Line Guarantee (GECL) cases during the COVID-19 economic cycle, ensuring 100% adherence to RBI guidelines and internal credit policy frameworks under high-pressure conditions.
• Collaborated cross-functionally with Technology and Product teams to identify underwriting workflow gaps, contributing to enhancements in the loan origination system that reduced processing turnaround time.

Assistant Credit Manager — Personal Loans, Business Loans & Overdraft at CoinTribe Technologies Pvt. Ltd. (2019-05 – 2020-03)

• Managed end-to-end credit underwriting for personal loans, business loans, and overdraft facilities in a high-velocity fintech environment — processing 100+ applications per month while maintaining credit quality standards under tight TAT requirements.
• Verified customer profiles, business sustainability, and repayment capacity through quantitative financial analysis and qualitative borrower assessments, contributing to a reduction in early-bucket delinquencies.
• Performed comprehensive risk assessments using financial ratios, bank statement analysis, credit bureau data, GST filings, and direct customer interactions — enabling data-driven lending decisions across diverse borrower profiles.
• Contributed to continuous improvement of credit scoring models and underwriting workflows in collaboration with the technology and data analytics teams, improving model accuracy and reducing manual adjudication effort.

Chartered Accountant — Audit & Taxation at M.K. Nagpal & Associates (2018-11 – 2019-04)

• Conducted statutory audits for corporate clients and banking institutions, evaluating internal controls, financial reporting accuracy, and regulatory compliance in accordance with ICAI auditing standards.
• Prepared projected financial statements, CMA data, and detailed credit reports supporting client loan proposals with banking institutions — contributing to a 100% proposal success rate across managed accounts.
• Managed ROC filings and corporate compliance submissions, ensuring zero missed deadlines for all clients across applicable Companies Act provisions.
• Prepared and filed individual income tax returns and provided tax planning advisory, achieving full compliance with applicable Income Tax Act provisions across a portfolio of 30+ individual and corporate clients.

Articled Assistant — Audit & Compliance (CA Articleship) at Jain & Malhotra | Bansal Neeraj & Associates (2015-04 – 2018-04)

• Executed statutory audits for corporate entities and scheduled commercial banks, applying ICAI auditing standards to assess financial accuracy, internal controls, and regulatory compliance across 20+ engagements per year.
• Conducted concurrent audits for leading financial institutions, providing real-time assurance on branch-level transactions, loan disbursements, and operational compliance with RBI guidelines.
• Assisted in preparation of Credit Monitoring Analysis (CMA) reports and financial projections for business loan applications — building strong foundational expertise in credit analysis that directly enabled progression into banking credit roles.
• Managed tax filings, ledger scrutiny, and compliance documentation across a diverse client portfolio spanning manufacturing, trading, and service sector entities.

Chartered Accountant (CA) in Accounting – Institute of Chartered Accountants of India (ICAI) (2013-06 – 2018-11)

CFA Level II in Finance – CFA Institute, USA (2016-07 – 2017-07)

Bachelor of Commerce (B. Com) in Commerce – University of Delhi (2016)