Vijay Mali

Vijay Umaji Mali Flat No. 101, First Floor, Pragati Plaza, Mahadev Colony, Laxman Nagar, Thergaon, Pune-411 033. E-Mail --Mobile No- - -------------------------------------------------------------------------------------------------Career Objective: To achieve the zenith of efficiency curve through my creativity, leadership skills, undying urge to excel in an organization that fosters high standards of personal performance, provides growth and the space to prove my worth and ability for a mutual benefit and long-term relationship. Work experience: Total experience 8 years. Altum Credo Home Finance Pvt. Ltd. (Pune) – (From June 2019 – Till the date) Position: Cluster Credit Manager  Review the documents provided by the customer – Income Document, bank statement, employment/Business Proof, KYC documents, ITR, From 26AS etc.  Conduct the personal discussion with the customer over the phone or in person - conduct the verification based on the documents, financials and requirement.  Assess client’s financial status through ratios like FOIR, ABB and LTV.  Verify the bureau score and interpret the CIBIL report for repayment and risk assessment  Evaluate Credit worthiness of the customer, Risk associated and mitigates  Credit Appraisal of Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.  Vendor Management like FI, RCU, Technical and Legal, Initiation of cases, resolving queries and submission of Report within TAT.  Managing a team of Credit Managers and processing the credit files within the prescribed TAT.  Continuously improve overall approval TAT to provide best-in-industry service  Recommendation / underwriting of proposals adhering to the defined company's policies.  Imparting training to credit team about product and policy.  Visiting locations for meeting vendors, New customers, Early delinquency customers & Delinquent customer for better portfolio management.  Identifying Early Warning Signals (EWS), Constant monitoring of Early delinquent (ED) and Non-Starter (NS) portfolio and publishing reports to develop risk awareness and develop necessary action plan  Review lending performance regularly and compare it to past periods (e.g. NPA level, delinquent financing ratios)  Analyzing portfolio behaviors from various perspective and put plans to avoid, reduce or transfer risk.  Managing and complying Over the counter / post disbursal documents and ensuring compliance of company's norms.  Work with IT departments to develop, enhance and implement new development in the system.  Conduct regular and timely credit review on portfolio for new and existing clients.  Ownership of portfolio quality and performance by continuously monitoring portfolio health Altum Credo Home Finance Pvt. Ltd. (Pune) – (From June 2017 – June 2019) Position: Accounts & Finance Manager The job involves:  Preparing financial statements, including monthly and annual accounts Ensuring compliance with the applicable Accounting Standards.  Compliance with requirement of revised schedule III of the Companies Act, 2013.  Preparing Flash Report on Monthly Basis i.e. key financial highlights & Metrics, Compliance Tracker etc.  Preparing Periodic Basis Cash Flow & Fund Flow for Treasury Management.  Preparing budget of the project to be undertaken by the organization after analyzing the various points.  MIS Preparation, like Collection, Disbursement, Fees Income etc.  Ensure proper NHB compliance related to withholding ORMIS, being filing Monthly, Quarterly, half-yearly and Yearly Returns.  Registration under Various regulations like CKYC, CERSAI, CRIF, CIBIL etc.  Preparation of Term loan, Working capital finance proposals, project reports and future projections.  Liaising with bankers and financial institutions for ensuring effective and optimum funding of the groups capex and revenue.  Preparation of Share Valuation Report as per various methods like DCF, Intrinsic Value, Book Value etc.  Interaction with Tax Authorities, Tax Consultants, Internal Auditor, External Auditor & Due Diligence Audit etc.  Ensure proper tax compliance related to withholding tax, being monthly payment, filing quarterly E-Returns, corrections of e-TDS Returns.  Ensuring the proper tax compliance related to Goods & Service Tax, being monthly payment, filing half yearly E-Returns, Input Credit availment and attending audits under the statute.  Liasioning with external parties and statutory authorities such as LBT Authorities, Sales Tax Authorities, Goods & Service Tax Authorities, tax consultants, etc.  Reply to notices, preparation of submissions in litigation proceedings before various tax & appellate authorities.  Handling the Day-to-Day Accounting in Core Banking Software i.e. Encore Theme (LMS and LOS) Fortune Lifespaces (Pune) – (From January 2015 – February 2017) Position: Accounts & Finance Manager. The job involves:  Preparation of Term loan, Working capital finance proposals, project reports and future projections.  Liaising with bankers and financial institutions for ensuring effective and optimum funding of the groups capex and revenue.  Liaising with bankers and financial institutions for ensuring the Subvention Scheme for Housing loan.  Preparing budget of the project to be undertaken by the organization after analyzing the various points.  Preparing financial statements, including monthly and annual accounts Ensuring           compliance with the applicable Accounting Standards. Compliance with requirement of revised schedule VI of the Companies Act, 2013. Work with the Assurance practice to execute Statutory Assurance/ Indian GAAP/ IFRS accounting services. MIS Preparation and consolidation of MIS on monthly basis for the consideration of the Top management of the Company and to facilitate in decision making process. Interaction with Tax Authorities, Tax Consultants, Internal Auditor & External Auditor etc. Ensure proper tax compliance related to withholding tax, being monthly payment, filing quarterly E-Returns, corrections of e-TDS Returns. Ensuring the proper tax compliance related to Service Tax, being monthly payment, filing half yearly E-Returns, CENVAT availment and attending audits under the statute. Ensuring the proper calculation of MVAT Liabilities & Set-off as per provision of Law and filing of the E-Return. Liasioning with external parties and statutory authorities such as LBT Authorities, Sales Tax Authorities, Service Tax Authorities, tax consultants, etc. Assisting in compilation of information’s required for scrutiny assessment before Assessing officer, CIT(A) and other appellate authorities. Reply to notices, preparation of submissions in litigation proceedings before various tax & appellate authorities. Joshi & Pol Chartered Accountant (Pune) – (From 19th Sept 2011 - 18th Sept 2014) Position: Article Assistant. The job involves:  Variance types of Clients are handling like, Private Limited Company, Partner-Ship Firms, Limited Liability Partnership, Proprietors, Company Registered Under Section 25, Education Institutions, Trust and Co-op Society.  Variance types audit like, Statutory Audit, Internal Audit, Tax Audit and Stock Audit etc.  Compliance with requirement of revised schedule VI of the Companies Act, 2013.  Drafting Audit Reports as per the new reporting requirements of Companies Audit Report Order, 2003 (CARO).  Work with the Assurance practice to execute Statutory Assurance/ Indian GAAP/ IFRS accounting services.  Review of Corporate Governance Report and other Secretarial records.  Preparation of Audit Plan and ensure completion of the same within the time  Analysis of Revenue Booking System.  Analysis of Debtors and Creditors-Ageing, Recovery Period, Balance Confirmation Procedures and legal cases.  Analysis of Stock and Stores – Identification procedures for Slow Moving, Non Moving and Obsolete items, analysis of Purchase Procedure.  Preparation and review of various reconciliation statement e.g. BRS, Stock.  Physical stock take and valuation as on the year end in accordance with Accounting Standard issued by ICAI.  Preparation of Tax Audit Report.  Preparation of Income Tax computation of Individual, Firms and Companies.  E-filling of TDS Return, TDS Entries in software.  Computation VAT, E-Payments of VAT and Compliance of VAT Procedures.  Computation of Service Tax and E-Payments of Service Tax.  E-Filing of Income TAX Return.  E-Payment of Variance Tax.  Accounting of Variance Client in Tally ERP software and other software. Professional Qualification: CHARTERED ACCOUNTANCY COURSE      Final (1st Group) Final (2nd Group) IPCC (1st Group) IPCC (2nd Group) CPT : : : : : Cleared in November 2014 Appeared in May-2020 Cleared in May 2011 Cleared in May 2012 Cleared in June 2010 Educational Qualification    B.Com Class XII Class X : : : in 2012 from Pune University in 2009 from State Board in 2007 from State Board IT Skills: Functional Knowledge:  MS Office (Word, Excel, Power Point)  Tally 7.2, Tally ERP 9 and Tally ERP software.  Taxbase software.  Winman Software.  Core Banking Software i.e. FIS (LMS)  ThemePro (Mobility, LSW, LMS) Personal details:     Date of Birth Languages Known Interests Strengths : : : : 12th June 1992 English, Hindi, Marathi Cricket, Newspaper Reading, Surfing Internet. Excellent interpersonal skills, ability to work with others in both Supervisory or support staff roles. Willing to relocate and travel. -----------------------------------------------------------------------------------------------------------