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M.S. (Lowell, MA)

Seasoned Credit Risk Professional and a Corporate Banker with a strong foundation in finance and accounting. She has a total of 13+ years of experience of which 9 years is in financial due diligence, Underwriting & Credit Risk Management with India’s 2nd largest Private Bank ($31 bn in assets in 2019) and over 4 years in Accounting, Taxation & Financial Planning with Westford Tax & Financial Group. In her banking experience, she has assumed key roles in the lending process, leading the risk decision-making function for Corporate lending which involved performing comprehensive due diligence (industrial, operational, financial, and business-related) of corporate borrowers across industries, evaluating / advising & structuring lending transactions for risk mitigation. She also has written credit proposals and presented to credit committees and thereafter monitored & managed the portfolio thus helping the bank build its commercial loan book. She has proven success in the detection of early warning stress accounts, financial misreporting, corporate fraud, and managing stressed assets and consistently producing 0% delinquent asset portfolios. She was in a leadership role involving substantial cross-functional and client interface and working in a dynamic and fast-paced environment. Her current role at Westford Tax and Financial Group involves accounting functions payroll/sales tax processing, reconciliations, finalization of accounts for their clients. She handles tax preparation, tax planning while staying current with IRS regulations and IRS matters for individual as well as corporate clients. She is proficient in QuickBooks and Lacerte Tax software. She has a Bachelor’s in Commerce and Economics from Mumbai University, is a Chartered Accountant from India, has the Financial Risk Management (FRM) and GARP Certification, and an Inactive CPA with Quickbooks experience.

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