POOVIZHI M
Chennai
Summary
Finance professional prepared to bring years of credit management expertise to your organization. Adept at analyzing financial data, ensuring compliance, and maximizing credit performance. Known for fostering collaborative team environment and driving results in dynamic financial settings. Possesses critical skills in risk assessment and policy development.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Credit Manager – Working Capital (CA Fresher)
Kotak Mahindra Bank
11.2024 - Current
- As a Credit Manager in the Working Capital team, you will be responsible for assessing, analyzing, and approving credit applications for working capital finance
- This role is ideal for a Chartered Accountant (CA) fresher with a keen interest in credit analysis, financial assessment, and working capital management
- You will ensure that credit decisions align with the bank's risk appetite and regulatory requirements
- Evaluate and analyze credit proposals for working capital requirements, ensuring compliance with the bank's policies and guidelines
- Assess the applicant's financial statements, cash flow, and other relevant documents to determine creditworthiness
- Conduct thorough risk assessments by analyzing industry trends, business performance, and market conditions
- Recommend appropriate loan structuring and risk mitigants to minimize credit risks
- Ensure that all loan documents are complete, accurate, and in compliance with the bank's regulatory requirements
- Monitor the adherence to internal policies and guidelines
- Track and review the credit portfolio to identify early warning signs and potential defaults
- Assist in reviewing the periodic financial performance of clients to ensure ongoing credit quality
- Liaise with clients to gather additional information required for credit assessments
- Provide guidance and support in understanding the bank's credit requirements
- Work closely with the sales, risk management, and legal teams to ensure timely processing and disbursement of loans
- Collaborate with cross-functional teams for portfolio reviews and audit requirements
- Chartered Accountant (CA) qualification is mandatory
- Strong understanding of financial statements, cash flow analysis, and credit risk assessment
- Good communication and interpersonal skills
- Ability to work under tight deadlines and manage multiple tasks
- Knowledge of banking products, especially working capital finance, is preferred
- Analytical mindset with attention to detail
- Willingness to learn and adapt to the banking environment
- Proficiency in MS Excel and financial modeling tools
- Exposure to the credit and risk management domain within a leading bank
- Opportunities for career growth and professional development
- Attractive compensation and benefits package
- Optimized credit approval and collection processes, improving operational efficiencies by over 95%.
Articled Assistant
Varadarajan & Co
04.2020 - 04.2023
- Company Overview: A Chennai-based leading consulting firm trusted by clients for over 70 years with 5 partners servicing 1000+ diversified clients across manufacturing, trading, food, banking, and film industries
- Assisted senior auditors in conducting audits across industries, scrutinizing the ledgers, and ensuring GST compliance and taxation matters
- Reviewed financial statements, prepared audit reports, and communicated findings to clients for improved financial controls
- Engaged in concurrent audits for private as well as India’s biggest public sector banks
- Conducted Stock Audits, Internal Audits by leading a team, and Non-Profit Organization (NPO) audits as per the Societies Registration Act of 1860
- Performed various reconciliations involving complex data analysis and pointed out the errors spots in the accounting process
- Managed GST advisory and compliance, including registration, tax payments, and return filing (GSTR 1 & 3B) for clients ranging from individuals to leading corporates with turnovers exceeding ₹200 crores
- Advised clients on tax planning strategies, helping reduce their tax liabilities
- Handled responses to GST and Income Tax department demand notices and gained expertise in DRC-03 forms
- Managed TDS compliance and timely filing of TDS (24Q & 26Q) and income tax returns (ITR 1 to 6) for diversified categories of entities (Individual, HUF, Firm, AOP, Trusts, Companies)
- Conducted tax audits (Form 3CA/3CB, 3CD) and prepared Form 15CA-CB for foreign exchange remittances under RBI guidelines
- Prepared financial statements, including cash flow statements as per AS & Schedule III, for corporate entities with ₹50-100 crore turnovers
- Periodically performed, finalized, and reviewed the monthly closure of books including reconciliations, Tax provisions adjustments and reparation of MIS report for assisting the management
- Trained and verified the works of juniors for certification and principal approvals
- Prepared Projected Financial statements and facilitated the clients throughout the funding process
- Maintained books of accounts and prepared projected financial statements for loan coordination
- Facilitated compliance for Corporate with Import Export Code (IEC) and Registrar of Companies (ROC) such as DPT-3, MGT-7, AOC-4, ADT-1, ADT-3
- A Chennai-based leading consulting firm trusted by clients for over 70 years with 5 partners servicing 1000+ diversified clients across manufacturing, trading, food, banking, and film industries
Education
CA Final -
ICAI
INDIA01.2024
CA Intermediate -
INSTITUTE OF CHARTERED ACCOUNTANTS OF INDIA
INDIA09.2021
B.Com (A&F) -
IGNOU
INDIA01.2021
CA Foundation -
INSTITUTE OF CHARTERED ACCOUNTANTS OF INDIA
INDIA01.2019
HSE -
GRM School
INDIA01.2018
SE -
The Merit School
INDIA01.2016
Skills
- MS Excel
- MS Word
- PowerPoint
- Tally
- Offline Java Utility – IT & GST
- Power BI
- Credit reports
- Leadership qualities
Extra-Curricular Activities
Represented My School at Zone Level and District Level Chess & Kho-Kho Competition, Trained the Juniors for 2 years in the field of GST, Direct taxation, and auditing.
Certification
- CHARTERED ACCOUNTANT - ICAI , MENBERSHIP NO. - 278644
Languages
English
Advanced (C1)
Tamil
Advanced (C1)
Timeline
Credit Manager – Working Capital (CA Fresher)
Kotak Mahindra Bank
11.2024 - Current
Articled Assistant
Varadarajan & Co
04.2020 - 04.2023
- CHARTERED ACCOUNTANT - ICAI , MENBERSHIP NO. - 278644
CA Final -
ICAI
CA Intermediate -
INSTITUTE OF CHARTERED ACCOUNTANTS OF INDIA
B.Com (A&F) -
IGNOU
CA Foundation -
INSTITUTE OF CHARTERED ACCOUNTANTS OF INDIA
HSE -
GRM School
SE -
The Merit School
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