APARAJITA AGRAWAL
Chartered Accountant
Noida
Summary
Finance professional with expertise in financial reporting and business analysis, Known for delivering actionable insights, driving process improvements, and supporting business decisions through data driven insights. Now seeking an opportunity where I can leverage my collaborative approach and data driven insights to optimize profitability and drive growth.
Overview
7
7
years of professional experience
Work History
Finance Analyst – RTR & Business Reporting
Genpact India Private Limited
07.2023 - Current
- Owned financial close, reporting, and reconciliation processes for multiple business units of a UK healthcare group across Ireland.
- Conducted detailed variance and trend analysis on P&L and balance sheet accounts; delivered actionable insights to CFOs and Directors.
- Enhanced month-end close efficiency by proactively managing accruals, payroll accounting, intercompany reconciliations, and GL reviews — reducing the close cycle by 2 days and minimizing post-close adjustments and audit findings.
- Played a central role in transitioning the financial system from Open Accounts to Oracle ERP, leading process mapping, testing, and post-migration validations.
- Developed and presented management reports (MIS) and dashboards to facilitate strategic decisions and performance monitoring.
- Held regular discussions to review the financial health of the P&L and ensure transparency and accuracy in reporting.
Branch Credit Manager – Credit Analysis-Retail Assets
ICICI Bank Limited
09.2022 - 06.2023
- Evaluated loan proposals for retail products including personal loans, home loans, and auto loans, handling both direct sourcing and DSA channels.
- Conducted in-depth financial analysis of applicants including income verification, debt servicing ratios, bank statement analysis, and credit bureau review to assess repayment capacity and mitigate credit risk.
- Maintained a disbursement volume exceeding ₹6 Crores per month, with high accuracy and minimal rework, contributing to branch-level growth targets.
- Achieved 10+ Hindsight Error Score for consecutively 6 months. Ensured accurate pre-approval documentation for customer documentation, creating a seamless and efficient experience for clients.
Article Assistant – Audit and Assurance Taxation
Padam Dinesh & Co.
04.2019 - 04.2021
- Played an integral role in the statutory audit of Empire Home Appliances Pvt Ltd, a company with a turnover of around 180 Cr, as well as the review of its associated balance sheets, showcasing strong attention to detail and audit expertise.
- Statutory Bank Audit of Jammu & Kashmir Bank, Punjab National Bank and Concurrent Bank Audit of different banks.
Article Assistant – Taxation
Parveen K. Jain & Associates
04.2018 - 03.2019
- Preparation of Income Tax Returns, TDS compliances, filing GST Returns and drafting replies to Income Tax notices.
- Preparation and Finalization of Financial Statements for proprietorships and partnership firms.
Education
Chartered Accountant -
Institute of Chartered Accountants of India
04.2001 -
Bachelor of Commerce -
Dr. B.R. Ambedkar University
04.2001 -
Class XII -
Central Board of Secondary Education
04.2001 -
Class X -
Central Board of Secondary Education
04.2001 -
Skills
- Financial Reporting & Reconciliations
- Accruals & Payroll Accounting
- General Ledger (GL) Scrutiny
- Team Leadership & Mentoring
- Conflict Resolution
- Oracle ERP and Open Accounts
- Ms Excel and Power BI
- Blackline
Accomplishments
- Selected among 1,400 AI Agentic idea submissions across the organization by the AI Agentic Evaluator at Genpact, recognizing innovation in automation and process enhancement.
- Earned a Lean Certificate at Genpact, demonstrating commitment to continuous improvement and operational efficiency.
- Achieved a Hindsight Error Score of 10+ for six consecutive months at ICICI Bank, reflecting strong compliance, accuracy in credit processing, and operational excellence.
Timeline
Finance Analyst – RTR & Business Reporting
Genpact India Private Limited
07.2023 - Current
Branch Credit Manager – Credit Analysis-Retail Assets
ICICI Bank Limited
09.2022 - 06.2023
Article Assistant – Audit and Assurance Taxation
Padam Dinesh & Co.
04.2019 - 04.2021
Article Assistant – Taxation
Parveen K. Jain & Associates
04.2018 - 03.2019
Chartered Accountant -
Institute of Chartered Accountants of India
04.2001 -
Bachelor of Commerce -
Dr. B.R. Ambedkar University
04.2001 -
Class XII -
Central Board of Secondary Education
04.2001 -
Class X -
Central Board of Secondary Education
04.2001 -
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