Open to opportunities

Gaurav Mittal

@gauravmittal

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Chartered Accountant specializing in credit risk, financial analysis, and audit with proven credit underwriting impact.

India

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What I'm looking for

I seek roles in credit, financial analysis, audit, or taxation where I can apply forensic financial review, support underwriting or compliance, and drive measurable portfolio quality improvements.

I am a Chartered Accountant with experience in credit risk analysis, financial reporting, audits, and taxation, having worked across financial services and firm practice environments. I have prepared 30+ detailed credit appraisal memos that enabled ₹100 Cr+ disbursals and supported Credit Committee decisions.

At OXYZO Financial Services I evaluated liquidity, leverage, DSCR and working capital cycles for SME and mid-corporate borrowers across infrastructure and manufacturing sectors, conducted legal and regulatory due diligence, and monitored portfolio performance post-disbursement to flag early warning signals.

Previously as an articled assistant I performed Ind-AS compliance reviews, limited reviews under SEBI(LODR), CARO 2020 reporting, tax planning and filing of 100+ returns, tax audits, internal and operational audits, and stock and payroll verifications. I am solution-oriented, a quick learner, and proficient in MS Office, Tally and CompuTax.

Experience

Work history, roles, and key accomplishments

Current

Credit Analyst

Current

Oxyzo Financial Services Ltd

Jun 2024 - Present (1 year 6 months)

Performed credit underwriting for SME and mid-corporate borrowers across infrastructure and manufacturing, preparing 30+ credit appraisal memos that supported ₹100 Cr+ disbursals and informed Credit Committee decisions.

Credit Analysis Financial Modeling Due Diligence Risk Mitigation

Articled Assistant

R Sogani & Associates

Mar 2020 - Apr 2023 (3 years 1 month)

Conducted statutory and internal audits, tax filings and limited reviews, performed financial statement and Ind-AS compliance checks, and executed tax audits and payroll (H2R) verifications for diverse clients.

IND Taxation Limited Reviews CARO 2020 Financial Reporting Tally CompuTax Internal Audit

Education

Degrees, certifications, and relevant coursework

Institute of Chartered Accountants of India

Chartered Accountant, Chartered Accountancy

Qualified CA Final with 52.13% and exemptions in 2 subjects in Nov 2023; completed Intermediate (Nov 2019, 51.50%, exemptions in 2 subjects) and Foundation (Nov 2018, 64.25%, exemptions in 3 subjects).