Neetika

Chartered Accountant with experience in credit appraisal, CMA preparation, loan verification, concurrent audits, risk assessment and financial analysis. Exposure to borrower evaluation assignments for leading private banks and project financing across manufacturing and trading sectors. Seeking opportunities in Credit Analysis, SME Banking and Corporate Credit.

Finance & Business Development at Jaskirat & Manraj Investments Limited (2025-08 – 2026-06)

• Manage accounting, taxation, compliance, and financial reporting activities.
• Conduct financial analysis and risk assessment for investment and advisory decisions.
• Develop hedging and derivative-based strategies for risk management.
• Handle client relationships and financial advisory engagements.

Article Assistant at S.Sood & Co. (2022-08 – 2025-08)

• Conducted Physical Credit Evaluations of borrowers of HDFC & IDFC Bank.
• Prepared report to assess the borrower's credibility and preparation of Project Reports for Loan Financing.
• Prepared Profitability Statements and Reconciliation Statements to identify Revenue leakages for the clients.
• CMA preparation for manufacturing as well as trading proprietorship firms ranging from Rs. 5 Lakh to Rs. 50 Cr. fund arrangement.
• Evaluated internal controls, recommending improvements to enhance efficiency and minimize risks.
• During concurrent audit, checked & verified various loan files for ensuring the proper compliance of loans sanctioned.
• Implemented procedures to enhance the early detection of NPA accounts, contributing to improved risk management.
• Physical Verification of Stock through on-site visit and getting Reasonable Assurance
• Preparation and filing of various ROC forms relating to companies/ LLPs.
• Worked on DGFT portal regarding IEC code application and update.
• Conducted meticulous vouching and verification of financial transactions, ensuring accuracy and authenticity in documentation.
• Conducted detailed ledger scrutiny, identifying discrepancies and irregularities to maintain the integrity of financial data.
• Prepared comprehensive audit reports, summarizing findings, and providing actionable recommendations for improvement.
• Ensured that financial statements adhered to IND AS and AS requirements. Analyzed draft Financial Statements including notes to accounts and scrutinized compliances including applicable Accounting Standards.
• Coordinated with client teams to address queries, ensuring a smooth and cooperative audit engagement.
• Coordinated & Led Income Tax & GST Audit of Proprietorship, Partnership Firms, Public & Private companies
• Prepared & Filed 200+ Income Tax, TDS, GST Returns.
• Worked extensively on Tax planning Strategies.
• Proficiently handled GST registration and refunds.
• Advisory regarding GST related matters, composition scheme, GST transfer, RCM, ITC, E-way bill applicability.
• Successfully handled and resolved TDS defaults, ensuring compliance with regulations and avoiding any penalties.

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

CA Intermediate – Institute of Chartered Accountants of India (2021)

CA Foundation – Institute of Chartered Accountants of India (2019)

B.Com Hons in Accounting & Finance – Aurobindo College of Commerce & Management, Panjab University, Chandigarh (2022)

Class XII – Guru Nanak Public School, Ludhiana, CBSE (2019)

Class X – Guru Nanak Public School, Ludhiana, CBSE (2017)