Sakshi Chandna

• Credit Manager for unsecured business loan segment. Handling various partnerships via digital channels across India. • Looking after the portfolio management and credit underwriting skills. • Appraising loans basis the financial analysis, ratio analysis, industry performance and client visits. • Fraud indicatives, industry bandwidth and current market scenario to be considered. • Overall assessment of financial concerns for debt management.

• Undertaking Risk assessment and Credit worthiness of Business portfolios for SME • Financial analysis involving leverages, ratios and other hygiene factors. • Preparation of CAM (Credit Appraisal Memo), Process Note, Eligibility and Underwriting for the proposals • Preparation of MIS on daily basis and reporting to ACM / RCM. • Ensuring necessary checks to mitigate prevailing risks and reduce the past errors. • Training the DSAs/agencies regarding the product.

• Inter Unit Reconciliations • Associated in quarterly/ annual closing of accounts • Compilation of Audit Details File for quarterly/ annual closing of accounts • Others works allocated from time to time regarding annual report, budgets etc.

•Analysis of balance sheet including notes to account. • Analyzing the provisions of Form 3CD and Ledger scrutiny. • Statutory audits, internal audits, tax audits, stock audits. • Finalization of Balance Sheet and P & L of companies and individuals • Designing Stock systems for companies for better control and management • Preparation of estimates for CMA data

• Filing of Income Tax Return of Individuals and handling notices. • Filing of TDS Return & handling of TDS notices for short deductions, late payments, penalties. • Filing the Service Tax Return and monthly service tax compliance • Consultancy on the applicability of reverse charge to various client

Accounting, DIrect and Indirect Taxation, Audit, Company Law, Strategic Financial Management, Cost Accounting

Accounting, Taxation, Management accounts, FInance