Vishesh

CHARTERED ACCOUNTANT

Talent

GurugramMember since July 11, 2026

Credit appraisal and underwritingTax AuditGST advisory and complianceStatutory AuditInternal AuditFinancial reportingROC complianceComputax software

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Credit appraisal and underwritingTax AuditGST advisory and complianceStatutory AuditInternal Audit

About

Chartered Accountant with experience in Credit Risk, Taxation, Audit, Financial Reporting, and Regulatory Compliance. Currently working as a Credit Manager at Anand Rathi Global Finance Limited, specializing in credit appraisal and underwriting of LAP proposals. Seeking to leverage analytical, financial, and risk management expertise to contribute to a growth-oriented organization while continuing to develop professionally.

Experience

Credit Manager at Anand Rathi Global Finance Limited (2026-03 – Present)

Conduct credit appraisal and underwriting of Loan Against Property (LAP) proposals.
Analyze financial statements, business performance, management quality, and industry risk.
Perform promoter meetings, site visits, and business due diligence.
Ensure compliance with internal credit policy and approval matrix.
Coordinate with Legal, Technical, and Operations teams for timely loan disbursement.
Monitor portfolio quality and recommend risk mitigation strategies.
Support predictive portfolio performance analysis and process improvements.

Article Assistant at Ved Jain & Associates (2023-02 – 2026-03)

Preparation of advance tax and income tax computation for Individual, Firm, NPO and domestic companies along with filing of income tax returns using Computax software.
Conducted Tax Audits for companies with annual turnover exceeding ₹1,000 crore across manufacturing and service sectors.
Prepared and filed Income Tax Returns (ITRs) for Individuals, Partnership Firms, LLPs, Trusts, and Companies.
Handled the filing and submission of Form 10BD, Form 10B, Form 10 and Form 9A for multiple trusts in compliance with Income Tax regulations.
Managed GST advisory and compliance assignments, including GSTR-1, GSTR-3B, GSTR-9, and GSTR-9C.
Preparation of Financial report(Balance sheet, P&L A/c, Notes to accounts) in compliance with applicable financial reporting framework (FRF).
Assessed and tested internal controls, identifying control weakness and providing recommendations for improvement.
Expertly managed diverse arears including Fixed assets register, Revenue & Expenses, Receivables/Payables, Variance Analysis, Depreciation and Statutory Dues, ensuring accuracy and reliability of financial reporting.
Prepared audit reports in compliance with CARO, 2020.
Performed vouching, verification, and reconciliation of financial records, bank accounts, debtors, creditors, and statutory dues (GST, TDS, PF, PT).
Assisted in ROC compliance, including filing of MGT-7, AOC-4, and XBRL forms.
Prepared Net Worth Certificates, Directors' Report, AGM Notice, AOC-1, and AOC-2 as per the Companies Act, 2013.