Sonal Taneja

Chartered Accountant with 15+ years of experience spanning Banking, Risk Management, Financial Analysis, Audit, and Regulatory Compliance across Public Sector Banking, Big Four Consulting, and Financial Research organizations. Experienced in corporate lending, credit risk assessment, project finance, banking operations, financial due diligence, and regulatory governance. Demonstrated expertise in evaluating complex corporate credit proposals, improving credit processes, ensuring regulatory compliance, managing stakeholder relationships, and supporting business growth through informed financial decision-making.

Combines deep banking domain knowledge with strong analytical and consulting skills to drive operational efficiency and risk mitigation.

Senior Manager- Credit at UCO Bank (2013-08 – 2026-02)

Responsible for end-to-end credit appraisal, lending risk assessment, regulatory compliance, and portfolio management for Corporate, MSME, Project Finance, and Retail lending portfolios.

• Evaluated complex corporate, MSME, and retail lending proposals through detailed financial and business risk assessment.
• Performed credit appraisal for Project Finance, Working Capital, Cash Credit, Letter of Credit, and Bank Guarantee facilities.
• Conducted financial due diligence including balance sheet analysis, cash flow evaluation, CMA assessment, and sensitivity analysis.
• Recommended structured lending solutions balancing profitability, regulatory requirements, and risk mitigation.
• Streamlined credit appraisal workflows ensuring timely proposal processing while maintaining quality and compliance.
• Improved consistency of credit documentation through standardized appraisal methodologies.
• Supported decision-making by preparing comprehensive Credit Appraisal Memorandums (CAM).
• Performed borrower risk assessment using internal rating models.
• Monitored portfolio quality through Early Warning Signals (EWS), SMA tracking, and continuous credit monitoring.
• Contributed towards maintaining low NPA levels through proactive monitoring and corrective actions.
• Ensured compliance with RBI regulations, IRAC norms, KYC/AML guidelines, and internal credit policies.
• Coordinated statutory, concurrent, internal, and regulatory audits ensuring timely compliance.
• Managed charge creation, documentation, disbursement compliance, and post-disbursement monitoring.
• Collaborated with legal teams, auditors, branch management, and customers for smooth execution of lending processes.
• Provided advisory support to business teams on credit policy interpretation and risk management.

Executive Audit at KPMG India (2010-08 – 2013-08)

Worked with multidisciplinary audit teams delivering statutory audit engagements across multiple industries.

• Managed end-to-end statutory audit assignments for corporate clients.
• Conducted risk-based audit procedures and evaluated internal financial controls.
• Reviewed financial statements for compliance with Accounting Standards and statutory regulations.
• Coordinated with senior client stakeholders for issue resolution and audit closure.
• Utilized electronic audit platforms to improve audit efficiency and documentation quality.
• Led audit teams while ensuring timely project delivery.

Senior Analyst at Copal Partners (2009-10 – 2010-08)

Provided financial research and analytical support for global investment and advisory assignments.

• Developed financial models using company financial statements and market data.
• Prepared comparative valuation models using peer analysis and transaction multiples.
• Conducted financial analysis supporting investment research.
• Built analytical dashboards, charts, and Excel-based reporting models.
• Performed reconciliation and quality assurance of client deliverables.

Article Trainee at Ashok Kher & Co., Chartered Accountants (2006-08 – 2009-08)

Completed Chartered Accountancy articleship with exposure to audit, taxation, accounting, compliance, and financial reporting.

• Statutory Audit
• Tax Audit
• Financial Statement Preparation
• Direct & Indirect Tax Compliance
• ROC Compliance
• Projected Financial Statements
• CMA Data Preparation
• Client Accounting
• Bank Reconciliation
• Finalization of Accounts

B. Com (Hons) in Commerce – Hansraj College, Delhi University (2003 – 2006)

Chartered Accountant in Accounting – ICAI (2004 – 2009)

PG Diploma in Business Administration in Business Administration – Symbiosis, Pune (2006 – 2008)

M. Com in Commerce – IGNOU (2015)