Odoo
Saloni Vyas
Charted Accountant
Málaga
Summary
Finance professional with over 5 years of experience specializing in credit risk, accounting, and auditing. Skilled at assessing and mitigating credit risks, which helps ensure sound financial decisions. Expertise in conducting comprehensive audits and implementing solutions that enhance compliance and improve internal controls. Knowledgeable in IFRS and financial analysis, contributing to precise financial reporting. Offers strong analytical abilities, attention to detail, and effective time management to drive team success. Currently, holds a residence and work permit for Spain.
Overview
11
11
years of professional experience
3
3
Languages
Work History
Financial Analyst
Br3athe Health Solutions
06.2023 - Current
- Prepared comprehensive financial statements, including balance sheets, income statements, and cash flow statements, which provided critical insights for decision-making.
- Managed and processed client invoices with a focus on accuracy and timeliness, helping to maintain strong relationships and ensure smooth operations.
- Resolved invoice discrepancies promptly by effectively communicating with vendors, which minimized disruptions and maintained cash flow.
- Conducted thorough audits of bank statements, receipts, and expenses, ensuring alignment and accuracy, which strengthened our financial integrity.
- Utilized mathematical skills to calculate and verify figures in accounting systems, which enhanced the reliability of financial data.
- Maintained payroll information by diligently calculating, collecting, and entering data, ensuring employees received accurate compensation on time.
- Reconciled bank and payroll records regularly to verify accuracy, which contributed to maintaining financial transparency.
- Completed payroll processes accurately and on schedule, meeting employee expectations and reinforcing trust in our organization.
Credit Risk Analyst
ICICI BANK LTD.
04.2021 - 05.2022
- Assessed credit risk by analyzing financial statements and credit histories, which helped in understanding the potential risks involved in extending credit to customers.
- Conducted credit appraisals and risk analyses for priority sector loan applications, ensuring that all proposals complied with the bank's policies and standards.
- Made informed decisions and recommendations regarding the extension of lines of credit, which facilitated responsible lending practices.
- Carried out financial reviews of customer lines of credit by examining company financials and initiating thorough credit application reviews, contributing to sound credit management.
- Performed detailed credit reviews on corporations to evaluate their financial conditions, which informed strategic lending decisions.
- Regularly reviewed customer files to ensure that receivables remained in good condition, helping mitigate potential financial losses.
- Prepared various Management Information Systems (MIS) reports, which include monitoring timely security creation, tracking business pipeline, and ensuring accurate sanctioned MIS.
Consultant
Ajmera& Ajmera co.
06.2019 - 03.2021
- Managed statutory audits for private companies, ensuring compliance with regulations, which helped maintain client trust and uphold the firm's reputation.
- Conducted concurrent audits of banks, focusing on KYC compliance and cash verification, which identified discrepancies and strengthened adherence to banking policies.
- Performed internal audits for schools, colleges, hospitals, and private companies, assessing their compliance with regulations and company policies, which highlighted areas for improvement.
- Analyzed financial data to identify discrepancies and mitigate risks, contributing to more accurate financial reporting and responsible management practices.
- Prepared comprehensive reports on audit findings and recommendations, providing clients with actionable insights for improvements and enhancing their operational efficiency.
- Conducted due diligence audits covering critical areas such as capital structure and cash flow analysis, which provided clients with a clear understanding of their financial health.
Articleship Trainee
MGB & Co.
09.2015 - 09.2017
- Conducted internal audits for schools and hospitals within 6 months, identifying compliance gaps that enhanced operational efficiency and reduced risks.
- Prepared working papers, reports, and supporting documentation for audit findings.
- Analyzed financial data of the company to identify discrepancies and mitigate risks.
- Conducted due diligence audits by understanding the brief history of the organization, capital structure, P&L revenue, Inventory age analysis, cash flow analysis, borrowing structure of the company, control system and processes maintained and working capital, etc.
Articleship Trainee
B Maheshwari & Co.
09.2014 - 06.2015
- Conducted concurrent and statutory audits of the banking sector by checking on KYC compliance, keeping an eye on loans and advances offered by the bank are in line with bank policies, identification of NPA accounts and correct classification of NPA accounts, revenue leakage if any, and other irregularities.
- Conducted stock audits by majorly covered gathering a brief history of the organization, risk assessment, assessment of working capital, credit history, position of accounts held in banks, financial statements analysis, ratio analysis, etc.
Education
Chartered Accountant - Accounts, Finance, Audit, Taxation, Law, Costing
Institute Of Chartered Accountant Of India
Master Of Commerce - Accounts and Business Statistics
Maharishi Dayanand Saraswati University
Ajmer, RajasthanBachelor Of Commerce - Accounting, Finance, Law, Auditing
Maharishi Dayanand Saraswati University
Ajmer, RajasthanSenior Secondary Examination (CBSE) - Commerce
Central Academy Senior Secondary School
Bhilwara, RajasthanSecondary Examination - undefined
Central Academy Senior Secondary School
Bhilwara, RajasthanSkills
Credit risk assessment
Statistical data analysis
Enterprise resource planning
External auditing
Financial statements analysis
Internal control auditing
Excel proficiency
Due diligence
Financial and operational reporting
SQL
Financial account reconciliation
Accomplishments
- Successfully lead a team of 5 members in which my role was to analyze, approve and manage credit report created by my colleagues. Also provided trainings to new joiners on the processes and work streams.
- Processed more than 6 Credit reports weekly for SME businesses
Software
Tally
Net Suite
MS Excel
Timeline
Financial Analyst
Br3athe Health Solutions
06.2023 - Current
Credit Risk Analyst
ICICI BANK LTD.
04.2021 - 05.2022
Consultant
Ajmera& Ajmera co.
06.2019 - 03.2021
Articleship Trainee
MGB & Co.
09.2015 - 09.2017
Articleship Trainee
B Maheshwari & Co.
09.2014 - 06.2015
Master Of Commerce - Accounts and Business Statistics
Maharishi Dayanand Saraswati University
Bachelor Of Commerce - Accounting, Finance, Law, Auditing
Maharishi Dayanand Saraswati University
Senior Secondary Examination (CBSE) - Commerce
Central Academy Senior Secondary School
Secondary Examination - undefined
Central Academy Senior Secondary School
Chartered Accountant - Accounts, Finance, Audit, Taxation, Law, Costing
Institute Of Chartered Accountant Of India
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