DM
Dhara Modi
CA with 6 years of experience in Banking & Finance sector. Available in Dubai.
Dubai, United Arab EmiratesWork Experience
Kotak Mahindra Prime Limited
Dec 2021 - Present -3 yrs, 4 months
India
- Job Details:Managed a diverse portfolio of 50+ mid-to-large corporate clients in the automobile sector with loan ticket sizes ranging from ₹10 crore to ₹500 crore. Prepared credit appraisal notes for inventory funding limits and term loans of new and existing automobile dealerships. Assessed dealer performance against industry benchmarks, ensuring compliance with guidelines to evaluate risk and growth potential. Conducted credit assessments and due diligence, using financial ratios to determine creditworthiness, identify risks, and propose mitigation strategies. Administered dealer portfolios, ensuring adherence to credit policies, business strategies, and regulatory guidelines for effective risk management. Collaborated with dealers and relationship managers to understand financial needs and provide tailored solutions. Oversaw post sanction activities such as preparing sanction letters, managing disbursements, internal audit compliance and deferral management.
Yes Bank Limited
Apr 2019 - Nov 2021 -2 yrs, 7 months
India
- Job Details:Assessed business models, evaluated financials, and conducted risk analysis through financial ratios and due diligence. Worked with risk, operations, and service teams to enhance loan sanction turnaround times (TAT) and optimize internal processes. Monitored sanctioned facilities, tracked client business performance, and managed renewals and enhancements for working capital loans, overdrafts, cash credit, term loans, bank guarantees and dealer funding. Ensured high-quality documentation, client communication, and process compliance, maintaining alignment with product partners.
M/s. Sunil Sanghavi & Co.
Mar 2017 - Mar 2019 -2 yrs
India
- Job Details:Engaged with clients to gather financial data for accounting and tax return filing, preparing financial statements in Tally and Excel. Assisted in GST return filing (GSTR-1, GSTR-3B) with basic compliance knowledge.
R.R. Dalal & Associates
Feb 2014 - Feb 2017 -3 yrs
India
- Job Details:Managed day-to-day accounting, prepared financial statements, and ensured compliance in auditor’s reports for individuals, firms, and companies. Specialized in income tax return filing, tax audits, and handled intimations, rectifications, and refunds through the online portal. Assisted in IT scrutiny, compiled data for tax authorities, and represented clients in income tax appeals up to the tribunal level.
Skills
Languages
English
BeginnerHindi
BeginnerGujarati
BeginnerMarathi
Beginner