Sanjana Aravind
Newtown,New Zealand
Summary
Chartered Accountant with over five years of experience in financial analysis, credit management, and audit across the banking and healthcare sectors. Skilled in risk assessment, reconciliations, and revenue recognition, with a solid understanding of statutory and regulatory compliance. Currently finalising full membership with CAANZ, I bring a strong technical foundation and hands-on experience with ERP systems, including Finance One (TechOne) and Microsoft Dynamics 365 Business Central. I leverage technology and analytical insights to enhance financial accuracy, streamline processes, and support informed decision-making.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Accounts Co-ordinator
Evolution Healthcare
Wellington, New Zealand
07.2025 - Current
- Oversee contract billing for ACC and Te Whatu Ora agreements.
- Support month-end close through reconciliations and variance analysis.
- Use Microsoft Dynamics 365 Business Central and WebPAS to maintain accurate financial records.
- Contribute to process improvements, enhancing invoice turnaround time.
- Partner with internal stakeholders to improve controls, and ensure accurate reporting.
Accounts Receivable Assistant
Solora Healthcare and Rehabilitation
Wellington, New Zealand
07.2023 - 06.2025
- Managed AR processes for public health services, with a focus on ACC and subcontractor clients.
- Performed payment reconciliations, resolved discrepancies, and liaised with funders for outstanding receivables.
- Used Finance One (TechOne) to maintain accounts receivable ledgers.
- Strengthened controls around healthcare revenue cycle management.
Senior Credit Manager- Secured Assets
Kotak Mahindra Bank
Kochi, India
10.2021 - 02.2023
- Conducted comprehensive financial and ratio analysis (liquidity, solvency, profitability, and cash flow) of customer financial statements, tax filings, and business plans to evaluate credit risk and lending viability for proposals of up to NZD 2 million.
- Prepared detailed credit assessment reports and presented recommendations to senior management and credit committees for approval.
- Reviewed key performance indicators, debt service coverage, and cash flow forecasts to assess repayment capacity, and business sustainability.
- Collaborated with legal, sales, and risk teams to ensure compliance with Reserve Bank of India regulations and internal credit policies.
Credit Manager- Unsecured Assets
ICICI Bank
Kochi, India
02.2020 - 10.2021
- Managed credit risk assessments and approved unsecured business loan applications for individual and corporate clients for credit exposure of up to NZD 100,000.
- Analysed market trends to inform strategic decision-making on credit products.
- Monitored portfolio performance, and addressed delinquency issues proactively.
- Conducted training sessions for staff on credit assessment procedures.
Audit Assistant
Elias George and Co
Kochi, India
03.2014 - 03.2017
- Conducted statutory and tax audits for clients across retail, service, and manufacturing sectors.
- Prepared and reviewed working papers, trial balances, and financial schedules in line with audit requirements.
- Assisted in the preparation and filing of GST and income tax returns, ensuring compliance with applicable laws.
- Developed strong foundational knowledge in financial reporting, accounting standards, and taxation while pursuing CA qualification.
Education
Chartered Accountant -
Chartered Accountants of Australia And New Zealand
Wellington, New Zealand09-2025
Chartered Accountant -
The Institute of Chartered Accountants of India
New Delhi, India01-2020
Bachelors of Commerce - Finance and Taxation
Mahatma Gandhi University
Kochi, India12.2014
Skills
- Financial and variance analysis
- Financial systems: Finance One (TechOne), Excel (advanced), Microsoft Dynamics 365 Business Central
- Credit and risk assessment
- Month-end close and reconciliations
- Accounts receivable, billing, and revenue recognition
- Audit preparation and documentation
- Process improvement
- Regulatory compliance
- Problem-solving aptitude
- Analytical skills
Certification
- Provisional membership with CAANZ, 2025
- Active full membership with Institute of Chartered Accountants of India (ICAI) 2020
References
Available on request.
Timeline
Accounts Co-ordinator
Evolution Healthcare
07.2025 - Current
Accounts Receivable Assistant
Solora Healthcare and Rehabilitation
07.2023 - 06.2025
Senior Credit Manager- Secured Assets
Kotak Mahindra Bank
10.2021 - 02.2023
Credit Manager- Unsecured Assets
ICICI Bank
02.2020 - 10.2021
Audit Assistant
Elias George and Co
03.2014 - 03.2017
Chartered Accountant -
Chartered Accountants of Australia And New Zealand
Chartered Accountant -
The Institute of Chartered Accountants of India
Bachelors of Commerce - Finance and Taxation
Mahatma Gandhi University