At Apex Medical Clinic, our team excelled in financial assessments, drawing on my expertise in financial modeling and credit analysis. My academic foundation from Lalit Narayan Mithila University, coupled with ongoing DipIFRS studies, reinforces my technical proficiency in finance.


Thriving on complex challenges, we systematically elevated credit operations. I am committed to refining financial decision-making in the industry, utilising a comprehensive skillset in financial accounting, analysis, and stock audit for strategic advancement.

APEX MEDICAL CENTRE
Account and Admin Executive
Abu Dhabi UAE · Full-time
Mar 2025 - Present · 10m
. General Ledger (GL) maintenance
. Posting journal entries
. Inter-company transactions
. Fixed asset accounting
. Month-end and year-end closing activities
. Bank statement reconciliations
. Preparation of financial statements (P&L,Balance Sheet, Cash Flow Statement)
. Audit support (internal and external audits)
. Management reporting and dashboards
Skills: QuickBooks · Excel/Advance excel

Cholamandalam Investment and Finance Company Limited
Senior Officer
Full-time
Dec 2024 - Feb 2025 · 3m
Karol bagh, On-site
• Calculation of financial ratio as per NBFC norm from Financial Statement.
• Review loan requests.
• Evaluate creditworthiness.
• Finalize Repayment track of loan.
• Read and Analyse of CIBIL Score of Client.
• Calculation of Average Banking as per NBFC norm.
• Calculation of Credit Appraisal Memo of all format like Banking, RTR, PAT
Multiplier, Low LTV and Std. Prime.
• Download Assets and debtors Based CERSAI Report.
• Preparation of Disbursement Memo.
• Implemented risk mitigation strategies to minimise losses from defaulted loans.
• Collaborated with sales teams to identify and mitigate risks associated with new accounts.
• Engaged in continuous learning to stay updated on regulatory changes affecting credit.
• Analysed financial statements to assess creditworthiness of prospective and current clients.
• Submitted credit and loan applications to underwriters for verification and recommendations.
• Compiled databases of applicants' credit histories, financial statements and personal details.
Skills: Bank Reconciliation · Credit operation · Credit assignment memo · Excel/Advance excel · Financial Analysis · Financial Modelling · Microsoft Excel · Microsoft Office · LOS


RBN & Co.
Assistant Manager
Full-time
Nov 2023 - Nov 2024 · 1 yr 1m
Noida, Uttar Pradesh, India On-site
• Balance sheet finalisation.
• Enter posting of purchase, sales, payment, receipt collection & journal voucher.
• Verification of bills & reconciliation of total turnover.
• Sales & purchase total reconciliation of accounts calculating GST.
• Reconciliation of Bank statement
• E-way bill creations.
• Company Incorporation under MCA.
• Income Tax, GST Return.
• Internal auditing.
Skills: TALLY ERP 9.0 · Microsoft Office · Gst filling · Gst preparation · ITR filling · ROC · Bookkeeping · Excel/Advance excel · Financial Accounting · Financial Modeling · Bank Reconciliation · Stock Audit · Internal Audit · Credit operation · VAT Returns

Cholamandalam Investment and Finance Company Limited
Senior Credit operation executive Full-time
Sep 2022 - Oct 2023 · 1 yr 2m
Karol bagh, Delhi On-site
• Calculation of financial ratio as per NBFC norm from Financial Statement.
• Review loan requests.
• Evaluate creditworthiness.
• Finalize Repayment track of loan.
• Read and Analyse of CIBIL Score of Client.
• Calculation of Average Banking as per NBFC norm.
• Calculation of Credit Appraisal Memo of all format like Banking, RTR, PAT
Multiplier, Low LTV and Std. Prime.
• Download Assets and debtors Based CERSAI Report.
• Preparation of Disbursement Memo.
Skills: Bank Reconciliation · Credit assignment memo · Financial Analysis · Microsoft Excel · Credit operation · LOS

RBN & Co.
Assistant Manager
Full-time · 2 yrs 10m
Noida, Uttar Pradesh, India · On-site
Dec 2019 - Sep 2022 · 2 yrs 10m
• Balance sheet finalisation.
• Enter posting of purchase, sales, payment, receipt collection & journal voucher.
• Verification of bills & reconciliation of total turnover.
• Sales & purchase total reconciliation of accounts calculating GST.
• Reconciliation of Bank statement
• E-way bill creations.
• Company Incorporation under MCA.
• Income Tax, GST Return.
• Internal auditing (NTPC Mizoram, Aditya Birla group of fashion pan India).
• Compliance audit of Aditya Birla group of fashion.
Skills: Excel/Advance excel · ITR filling · ROC · Financial Accounting · Goods and Services Tax (GST) · Accounting · Gst preparation · TALLY ERP 9.0 · Bank Reconciliation · Financial Analysis · Microsoft Excel · Stock Audit · Gst filling · Internal Audits · Credit operation

RBN & Company
Assistant Manager
Dec 2019 - Sep 2022 · 2 yrs 10m
• Balance sheet finalisation.
• Enter posting of purchase, sales, payment, receipt collection & journal voucher.
• Verification of bills & reconciliation of total turnover.
• Sales & purchase total reconciliation of accounts calculating GST.
• Reconciliation of Bank statement
• E-way bill creations.
• Company Incorporation under MCA.
• Income Tax, GST Return.
• Internal auditing (NTPC Mizoram, Aditya Birla group of fashion pan India).
• Compliance audit of Aditya Birla group of fashion.
Skills: Excel/Advance excel · ITR filling · ROC · Goods and Services Tax (GST) · Accounting · Gst preparation · TALLY ERP 9.0 · Bank Reconciliation · Financial Analysis · Microsoft Excel · Stock Audit · Gst filling · Internal Audits

RBN & Company ·
Article ship
Mar 2015 - Mar 2019 · 4 yrs 1m
Noida sector 2 On-site
• Enter posting of purchase, sales, payment, receipt collection & journal voucher.
• Verification of bills & reconciliation of total turnover.
• Sales & purchase total reconciliation.
• Reconciliation of Bank statement
• Company Incorporation under MCA.
• Income Tax.
Skills: Excel/Advance excel · ITR filling · ROC · Accounting · TALLY ERP 9.0 · Bank Reconciliation · Financial Analysis · Microsoft Excel · Stock Audit · Internal Audits