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CA Zainab Mithiborwala
Flat No 53, 3rd Floor, Wing A 2 Vivek Appt. Email:zanm89@gmail.com
Opp Don's Garage, 296 St. Patricks Town,
Pune 411013 Mob: 9712819813
A hardworking and a quick learner graduate with ability to grasp new concepts and system
as per the job requirement having work experience in various sectors like banking, FMCG
and small industries. Also having varied knowledge of Financials, accounting, ratios, Costing,
Budgeting, taxation, Underwriting and various other allied techniques. Achievement of my
Goal, personal or professional, through my aptitude for work and dexterity in today’s
competitive environment. I seek a challenging career and prove to be a valuable asset for
my organization. I am looking forward to a career that provides sufficient opportunities to
recognize my professional skills.
Experience:
Organization HDFC Bank Limited
Designation Credit Manager (Unsecured Loans)
Duration January 2015 till date
Responsibilities  Credit appraisal for Business Loan, Loan to Self-employed
Professionals, Education Loans and Personal Loan files for the
Ahmedabad and entire North Gujarat. Handling the files of Pune Hub
since April 2016
 Handling Large Ticket Business loans and Large Ticket Doctor Loans for
the hub as well.
 Implementation of Credit Policy and continuous evaluation to ensure
adherence to the Policy and compliance with the Authority Matrix at
branches in the area assigned.
 Analysis of the loan amount basis financials of the entity.
 Analysis based on various profitability ratios and other financial ratios
like DSCR, Current Ratio, Interest Service Coverage ratios and its
impact on the entity's ability to repay the loan.
 Assessing whether applicant has adhered to all the legal obligations in
past.
 Adherence to dynamic TAT
 Monitoring delinquency and low Non Starter Rate

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 Manage Service Level Agreements with vendors and TAT for
respective vendor functions, conduct training of vendors and channel
partners to ensure seamless process flow
 Preparation of MIS which includes sharing metrics like Login,
Approval, Disbursal, Rejection on monthly basis.
 Imparting Product and Soft skill training to vendors and other
verticals of the unit like outsource processing unit management.
 Dealer and DSA visits and Delinquent customer visits.
 ISO implementation in location
Organization Sonu Food Products (Kutchi King Group)
Designation General Manager Accounts
Duration July 2014 to January 2015
Responsibilities  Day to day Banking and Accounts Related Work
 Making Monthly MIS Reports
 Reporting to Higher ups on profitability of each vertical of the
business.
 Ascertain various cost effective techniques to reduce the cost to the
company and getting the best benefit.
 Invoices finalization and maintaining inflow and outflow on daily
basis
 Payment and Other payroll related transactions
 Preparation and filling of quarterly Service tax & Vat Returns.
 Costing and Budgeting Techniques
Organization Majolica Group, India
Designation Finance Assistant
Duration November 2011 to December 2012
Responsibilities  Handling all Finance and Accounts related work
 Making quarterly and monthly balance sheet
 Banking and other Export and Import related documents
 The CMA (Credit Monitoring Arrangement) data: Preparing the
financial ratios required for the credit appraisal by the bank after

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preparation of the projected balance sheet, P&L A/c and Cash flow
statement.
 To periodically inspect the risk prone areas related to accountancy
and report the discrepancies along with recommendation.
 To coordinate with the Internal and Statutory audit teams during
audit procedure, till finalization.
 To analyse the technical feasibility of the projects, also cost and
revenue analysis, market analysis and competitive advantage.
 Preparing the loan repayment schedule & Working Capital
management.
 To analyse the technical feasibility of the projects, also cost and
revenue analysis, market analysis and competitive advantage.
Organization Pramodkumar Dad & Associates, Chartered Accountants
Designation Article Assistant
Duration October 2007 to May 2011
Responsibilities  Handling Audit of Various Private Limited Companies
 Worked in conjunction with taxpayers to re-establish sustainable
payment positions and assisted colleagues to formulate more
complex and viable tax returns.
 Performed audit-planning functions for audit engagements, reviewed
client accounting and operating procedures and systems of internal
control and conducted audit tests.
 Computation of provision for taxation and MAT at the time of
finalization of accounts.
 Preparation and filling of quarterly Service tax & Vat Returns.
 Finalization of books of accounts & preparation of Balance Sheets &
Profit/Loss Accounts.
 Various Tax Matters like Income Tax returns, Scrutiny Assessment
 Search Assessments

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Education
Year Degree University
2014
Masters in International
Finance and Accounting
Bucks New University, UK
2012 Chartered Accountant
Institute of Chartered
Accountants of India, India
2012 Masters in Commerce Gujarat University, India
2010 Bachelors in Commerce Gujarat University, India
2007 HSC
Gujarat Secondary and Higher
Secondary Board, Ahmedabad
2005 SSC
Gujarat Secondary and Higher
Secondary Board, Ahmedabad
Skills
 Planning of various works to be undertaken in a specified limit and organizing tasks
accordingly.
 Timely and accuracy in work undertaken.
 Communication with various clients and bank officials face to face and through
emails and telephonic mode as well.
 Working on various accounting and taxation software in India.
 Strong verbal and written communication skills and interpersonal skills.
 Industry, Economic and Market analytical skills, Problem solving skills, Team Work.
 Adapt at evaluating risks, integrating cost reduction initiatives and assuring accuracy
in financial functions.
Computer Fluency
Conversant with
 Microsoft Office
 Tally
 Kitret
 Various Internet Applications

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Extra Activities
 Part time work in an Accounting Firm in UK that allowed gaining experience working
abroad.
 Prepared and presented various reports and presentations as part of assessment in
UK.
 Great writing ability on various topics and put up ideas on the current topics of
finance.
 Successfully completed COMPULSORY COMPUTER TRAINING of ICAI.
 Silver Star Award by HDFC Bank for Emerging Star Employee for August 2015
Interest and Hobbies
Socialising with friends and family, like to interact with new people, reading newspaper and
books, surfing on Internet, getting knowledge about finance.
Personal Details
Languages Known: English, Gujarati and Hindi
Marital Status: Married
Date of Birth: 02 August 1989
Reference
Available at request
Date: ___________ Zainab Mithiborwala