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.
