P Bharath

To be part of a respective organisation and contribute its growth and development, resulting the achievement of the organisational goals, simultaneously enhancing my skills by utilising the learning experience in the organisation to faster career growth and development.

Credit Manager - AU small finance Bank - Visakhapatnam, Andhra Pradesh

(2025-12 - 2026-08)

• Evaluate credit worthiness & assessment financial health of retail and SME clients using Financial statements, credit history of Business banking Customers and industry insights.
• Assess borrower repayment capacity and identify potential credit risks.
• Review collateral security, valuation reports and legal documentation.
• Ensure compliance with internal credit policies and regulatory guidelines.

Article Assistant - MPR & ASSOCIATES - HYDERABAD

(2022-11 - 2024-01)

• Prepared and filed Income Tax Returns for Individuals, HUFs, partnership firms and Corporate Entities in compliance with applicable tax laws.
• Expected Tax audit assignments and prepared Forms 3CA, 3CB and 3CD (form 26), ensuring compliance with provisions of the income tax Act, 1961 and TDS regulations.
• Computed and Monitoring Advance Tax Liabilities, Quarterly TDS Compliances and statutory tax payments.
• Prepared Financial statements comprising Balance Sheet, Statement of Profit & Loss, Cash Flow Statement and Notes to Accounts in accordance with applicable accounting standards.
• Assisted in the incorporation of companies and Limited Liability Partnerships (LLPs), including preparation and filling of statutory documents.
• Performed GST compliance activities including GSTR-2A reconciliation and related analytical workings.

CMA Final - Cost And Management Accounting - Institute Of Cost Accountants of India (2025-06)

B.COM - Commerce - Sri Venkateshwara College of Commerce (2019 - 2022)

Class XII - Mangal junior college, petamitta (2019)

Class X - Mangal vidhyalayam, petamitta (2017)