Rutvik Umaraniya
Chartered Accountant
Mumbai
Summary
Results-driven Chartered Accountant with diverse experience in finance, auditing, taxation, and financial management.
Overview
4
4
years of professional experience
3
3
Certifications
Work History
Credit Manager
Kotak Mahindra Bank Limited
03.2024 - Current
- Conducted comprehensive financial analysis to assess creditworthiness for more than15 new and more than 50 existing customers having portfolio of more than 25 crores
- Established culture of continuous improvement within credit department, driving process enhancements that increased productivity by 40% without sacrificing quality or control measures.
- Managed entire end-to-end credit approval process from application review through contract negotiation and final execution.
Articled Assistant
D S Karia And Co
04.2021 - 10.2023
- Prepared and successfully submitted TDS returns, GST returns and Tax Audit Report of more than 50 clients, consistently meeting filing deadlines and maintaining high level of accuracy
- Successfully filed income tax returns for over 300 clients, ranging from INR 5 lakhs to INR 5 crores, ensuring compliance and maximizing tax benefits
- Completed tax audit, statutory audit and other filings of more than 20 trust, 5 companies having turnover of 100 crores
Articled Assistant
R K Doshi And Co
09.2020 - 03.2021
- Done statutory audit of more than 10 branches of SBI and RNSB, 5 forensic audits, 5 internal audit including 1 listed company, concurrent audit of 4 nationalized banks, revenue audit of 6 nationalized banks
- Prepared working papers, reports and supporting documentation for audit findings.
- Completed Statutory audit of more than 10 companies having turnover of 50 crores and Tax audit of 15 Trusts and 15 Co-operative societies.
Education
Diploma in International Taxation -
ICAI
04.2001 -
B.Com - Accounting And Finance
IGNOU
10.2021 - 10.2023
CA Final -
ICAI
05.2020 - 05.2023
CA Intermediate -
ICAI
11.2018 - 11.2019
CA Foundation -
ICAI
04.2001 -
Class XII -
Gangotri Schools
06.2016 - 05.2018
Certification
Management Development Program - IIM Amritsar
Timeline
Diploma in International Taxation
12-2024
Credit Manager
Kotak Mahindra Bank Limited
03.2024 - Current
Management Development Program - IIM Amritsar
07-2023
International Tax and Transfer Pricing Course at CA Monk
06-2023
B.Com - Accounting And Finance
IGNOU
10.2021 - 10.2023
Articled Assistant
D S Karia And Co
04.2021 - 10.2023
Articled Assistant
R K Doshi And Co
09.2020 - 03.2021
CA Final -
ICAI
05.2020 - 05.2023
CA Intermediate -
ICAI
11.2018 - 11.2019
Class XII -
Gangotri Schools
06.2016 - 05.2018
Diploma in International Taxation -
ICAI
04.2001 -
CA Foundation -
ICAI
04.2001 -
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