Vishesh

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.

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.

CA Final in Chartered Accountancy – ICAI (2025-09)

CA Inter-Group (Both Group) in Chartered Accountancy – ICAI (2022-11)

CA Foundation in Chartered Accountancy – ICAI (2020-11)

B.com in Commerce – Delhi University (SOL) (2022-06)

Senior Secondary Examination (XII) – CBSE (2019-03)

Secondary Examination (X) – CBSE (2017-03)