Ruchi Nayak

Performed bookkeeping and accounting for Indian companies Consolidated accounts carried out internal reconciliations Prepared profit and loss account, balance sheet and trial balance Managed banking transactions, accounts payable and receivable, cash desk and advance control

Evaluated loan applications for SMEs (small and medium-sized enterprises up to ticket-size of €120K Create and manage a network of external agencies for local intelligence inputs Conducted due diligence visits to evaluate on-ground business situations as against submitted financial statements

Evaluated loan applications from SMEs and large groups Provisioned asset-backed financing for secured loans Monitored delinquency and late payments against budgeted benchmarks Assumed additional responsibility for monitoring industry trends, preparing reports and organizing knowledge sharing meetings

Loan disbursements to corporate customers in the United Kingdom Review of the credit disbursement processes in Compliance with country-specific guidelines Close cooperation with the customer advisors in UK

Consolidation of accounts Preparation of profit and loss account General accounting and auditing Administration of accounts payable and accounts receivable Review of salary payments & verification of expense reimbursement calculations

Assessed creditworthiness of private customers for personal loans Managed and analyzed the credit and collection portfolio of the branch

Review of insurance policies for compliance with Indian insurance regulations and issuance of policies Responsible for all management reports

Finance and Marketing

Finance controlling and accounting