SANJANA ARAVIND
Wellington
Summary
Chartered Accountant with experience in Accounts receivable and Credit Management. Adept at financial analysis, risk based profiling , payment tracking and reconciliations. Detail oriented professional, aiming to leverage my abilities to fill a challenging position at a reputable financial institution that allows for further career growth. Excellent collaborator known for adaptability, teamwork, and delivering results in dynamic environments.
Overview
11
11
years of professional experience
Work History
Accounts Receivable Assistant (Contractual Role)
Solora Healthcare and Rehabilitation (HealthcareNZ Group)
07.2023 - Current
- Managing accounts receivable process, ensuring timely and accurate invoicing and collections.
- Reconciling and analyzing the remittance advice and chasing any outstanding payment with funders.
- Keeping invoice rejection rate down in an acceptable level and liaising with clients with account queries.
- Ensuring Subcontractors and ACC are properly billed for all services and that payments are received and processed in a timely manner.
- Identifying and resolving any discrepancies or issues related to billing and payments
- Managing customer inquiries and communicating payment status updates.
Working Capital Credit Analyst- Senior Manager
Kotak Mahindra Bank
11.2021 - 02.2023
- Underwriting non fund based and fund based facilities like Cash Credit, Overdraft, Export packing Credit, Letter of Credit, Bank Guarantee within defined RBI guidelines and accordingly taking decisions or recommending for approval to appropriate authority
- Conducting personal discussion with Customer at their office premises to get a clear understanding of the vision of the entrepreneur
- Analyzing Financial strength of the applicant with the help of their Audited Financials and Interim performance reports by conducting ratio analysis
- Verifying legal and technical reports identifying the risks or critical points impacting the proposal
- Approving or rejecting loan requests based on laid down policies and procedures, credit behavior, bureau checks, credibility and potential revenues and losses of the Customer
- Coordination with sales team to proactively assess and resolve issues faced by client.
Credit Manger Unsecured Assets
ICICI Bank, Ernakulam
02.2020 - 10.2021
- Appraisal of Business loan applications to assess credit worthiness of potential customers
- Underwriting Personal loan and Corporate Credit card cases within defined Turnaround Time
- Interface with Operations and Technical team to resolve issues and improve productivity
- Managing a team of Credit Processing executives.
Articled Assistant
Elias George and Co Chartered Accountants
03.2014 - 03.2017
- Preparation of Turnover reconciliation statement
- Prepared input credit calculations to aid filing of monthly and annual returns as required under GST law in India
- Conducted Statutory and Tax audits in coordination with senior team members verifying adherence to audit scope and timelines and performed analytical audit reviews to confirm accuracy
- Identified and highlighted critical issues requiring senior team attention and reconciled data from tax authorities against clients records.
- Preparation for CA Final examination from 2018 to 2019.
Education
Chartered Accountant - Accounting and Finance
The Institute of Chartered Accountants of India
New Delhi, India01-2020
Bachelors of Commerce in Finance And Taxation - Finance And Taxation
Saint Alberts College
Mahatma Gandhi University03.2014
Skills
- Experience in finance operations, including accounts receivable,financial accounting,reconciliations and tax compliance
- Good knowledge of Microsoft range of applications
- Risk Analysis and fraud awareness
- Proficiency with numerical data
- Strong attention to detail and accuracy
- Interpersonal skills with ability to relate to a wide range of people
Other Information
- Residency Status: New Zealand Resident.
- References: Available on request.
Timeline
Accounts Receivable Assistant (Contractual Role)
Solora Healthcare and Rehabilitation (HealthcareNZ Group)
07.2023 - Current
Working Capital Credit Analyst- Senior Manager
Kotak Mahindra Bank
11.2021 - 02.2023
Credit Manger Unsecured Assets
ICICI Bank, Ernakulam
02.2020 - 10.2021
Articled Assistant
Elias George and Co Chartered Accountants
03.2014 - 03.2017
Chartered Accountant - Accounting and Finance
The Institute of Chartered Accountants of India
Bachelors of Commerce in Finance And Taxation - Finance And Taxation
Saint Alberts College
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