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CA Kunal VermaCV
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CA Kunal Verma

@cakunalverma

Bookkeeper at Paramorph Architecture Inc., maintaining the general ledger, processing payroll, and preparing financial reports.

Canada
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At Paramorph Architecture Inc., I maintain the general ledger, prepare financial and management reports, and handle reconciliations and trial balances.

I also process payroll and maintain fixed asset and depreciation records, while supporting tax preparation and project accounting.

At Godrej Capital Limited, IDFC First Bank, and HDFC Bank Ltd., I assessed property-backed and corporate credit, analysed borrower cash flows, and reviewed repayment capacity. My work included recommending or approving credit amounts and working capital limits within delegated authority.

Earlier, I conducted risk-based internal, credit, operational, statutory, and concurrent audits. As Quality Assurance Officer at Lovely Group, I led internal audit and quality reviews and designed audit programmes.

Experience

Work history, roles, and key accomplishments

GL

Credit Manager

Godrej Capital Limited

Feb 2025 - Jan 2026 (11 months)

Appraised property-backed loans, analysed borrower cash flows and recommended approval amounts and risk mitigations. Coordinated legal, fraud control and disbursement reviews to meet credit policy and regulatory requirements.

IB

Credit Manager

IDFC First Bank

Mar 2023 - Feb 2025 (1 year 11 months)

Approved property-backed loans within delegated authority after reviewing financials, repayment capacity and legal reports. Partnered with legal, fraud control and operations teams to meet processing timelines and documentation standards.

Credit Approval
Financial Analysis
Repayment Capacity
Legal Reporting
Fraud Control
OperationsDocumentation Standards
CL

Senior Audit Officer

Capital Small Finance Bank Ltd.

Jul 2018 - Apr 2022 (3 years 9 months)

Conducted risk-based internal, credit and operational audits across branches and head office. Prepared audit reports and risk alerts; reviewed internal controls, cash balances and post-audit compliance.

LG

Quality Assurance Officer

Lovely Group

Nov 2016 - Jun 2018 (1 year 7 months)

Led internal audit and quality reviews; designed audit programmes and conducted tax, inventory and franchise audits.

Internal AuditQuality Assurance
Audit Programme Design
Tax AuditsInventory Audits
Franchise Compliance

Education

Degrees, certifications, and relevant coursework

Institute of Chartered Accountants of India logoII

Institute of Chartered Accountants of India

Chartered Accountant, Accounting

Qualified as a Chartered Accountant from the Institute of Chartered Accountants of India in 2021.

Guru Nanak Dev University logoGU

Guru Nanak Dev University

Bachelor of Commerce, Commerce

Completed a Bachelor of Commerce from Guru Nanak Dev University, India in 2013.

Tech stack

Software and tools used professionally

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