Reading and Travelling
Devesh Lodaria
CA, CMA
Pune
Summary
Chartered Accountant with 7 years of experience Specialization in accounting, auditing, budgeting and taxation for diverse organizations. Fosters transparency, understanding and ownership of financial reports and financial and operational metrics across organization.
Overview
13
13
years of professional experience
1
1
Language
Work History
Area Credit Manager
Aditya Birla Housing Finance
Pune
06.2024 - Current
- Evaluate and approve LAP and Home Loan applications within sanctioned authority, ensuring adherence to credit policy and risk parameters.
- Conduct detailed credit analysis of borrowers, including income assessment, banking behavior, and repayment capacity.
- Coordinate with sales, operations, and legal teams to ensure seamless loan processing and disbursal.
- Conduct field visits and personal discussions (PDs) for high-value and exception cases.
- Monitor portfolio quality in the assigned area; implement corrective action to manage delinquency and NPA levels.
- Ensure compliance with regulatory guidelines and internal audit requirements.
CA Devesh Lodaria & Associates
Devesh Lodaria
Pune
06.2022 - 06.2024
- CA practice firm having experience of more than 1.5 years.
- Provided consultancy to more than 100 people on various issues related to Income Tax and GST.
- Prepared Income tax returns and tax audit reports of people from different sectors
- Conducted Statutory Audit, Internal Audit, Fixed Asset Audit, Stock Audit of various organizations.
- Assisted people in starting their businesses by forming a HUF/Partnership firm and taking care of everything necessary to keep the organization running smoothly.
- Handling notices related to Income Tax and GST
Senior Credit Manager (Business Loans)
HDFC Bank
Pune
12.2021 - 05.2022
- Analyzed applicants' financial status and credit evaluations to determine loan feasibility.
- Approval/Rejection of Unsecured Business Loan up to Rs 1 crore.
- Used LOS software to perform credit appraisals, document verification and loan approvals.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Referred delinquent accounts to collections department or outside resources.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Work cross-functionally with Sales, Collections, RIC, Debt Mgt Team, CPV Team and other departments to maintain effective operations.
State Credit Manager
Indusind Bank (CFD)
Pune
04.2018 - 12.2021
- Collected data and performed trend and variance analysis to mitigate the risk arising from bad debt.
- Monitored accounts for signs of fraud and non-payment issues.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Updated employees with the latest policies, procedures, and compliance standards.
- Made decisions and recommendations about extending lines of credit.
- Complied with established internal procedures by examining reports, processes, and documentation.
Article Assistant
A Kayes And Co
Kolkata
08.2012 - 08.2015
- Prepared reports and materials to assist with audits.
- Entered data into the accounting system with minimal errors.
- Prepared tax returns for clients in various industries according to government regulations and requirements.
- Prepared working papers, reports, and supporting documentation for audit findings.
- Detected internal control deficiencies and suggested corrective measures.
- Reviewed customer accounts to identify and resolve irregularities.
- Reconciled statements to resolve discrepancies.
Education
Cost And Management Accountant (ICWA) -
ICAI
07.2013 - 08.2017
Chartered Accountants -
ICAI
07.2011 - 11.2017
B.Com(Hons) - Accounting And Finance
Calcutta University
Kolkata 06.2011 - 05.2014
12th -
DAV PUBLIC SCHOOL
Dhanbad 05.2009 - 05.2011
10TH -
RMS HIGH SCHOOL
DHANBAD 04.2001 -
Skills
Creditworthiness assessment
Process optimization
Skilled in data analysis and presentation using MS Office
Policy compliance supervision
Data-driven decision making
New policy implementation training
Comprehensive auditing skills
Interests
Playing Outdoor games
Timeline
Area Credit Manager
Aditya Birla Housing Finance
06.2024 - Current
CA Devesh Lodaria & Associates
Devesh Lodaria
06.2022 - 06.2024
Senior Credit Manager (Business Loans)
HDFC Bank
12.2021 - 05.2022
State Credit Manager
Indusind Bank (CFD)
04.2018 - 12.2021
Cost And Management Accountant (ICWA) -
ICAI
07.2013 - 08.2017
Article Assistant
A Kayes And Co
08.2012 - 08.2015
Chartered Accountants -
ICAI
07.2011 - 11.2017
B.Com(Hons) - Accounting And Finance
Calcutta University
06.2011 - 05.2014
12th -
DAV PUBLIC SCHOOL
05.2009 - 05.2011
10TH -
RMS HIGH SCHOOL
04.2001 -
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