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Rafia Rukmuddin

@rafiarukmuddin

Detail-oriented Accountant specializing in AR/AP, billing, and U.S. mortgage documentation accuracy.

India
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What I'm looking for

I’m looking for an accounting role where I can own billing and AR/AP processes, ensure compliance (GST/E-Way Bills), and use my documentation skills to deliver accurate, timely reporting and smooth day-to-day operations.

I’m a detail-oriented Accountant with 2.5 years of experience supporting financial operations and U.S. mortgage processes, focused on accuracy and compliance in high-volume environments. I bring analytical thinking, process efficiency, and a commitment to reliable, timely financial reporting.

In my current role as an Accountant at Pruthvi Distributors, I manage FMCG billing operations, ensuring accurate financial transactions and timely resolution. I prepare and process E-Way Bills, generate and distribute customer invoices, monitor receivables with collection charts, and handle payment processing and account reconciliation. I also issue credit notes for sales returns, process Goods Receipt Notes (GRN) and stock inward entries, and conduct weekly physical and system stock verification to maintain inventory accuracy.

Previously, as an Accountant at Mahatma Foods, I recorded invoices and bills, maintained cash receipts, managed AP & AR vendor payments and follow-ups, and reconciled petty cash with proper documentation. Earlier, as a Process Analyst at Tactful System India Pvt Ltd, I collected and verified loan files, ran credit reports, tracked underwriting and loan closing timelines, and acted as a primary point of contact for clients—entering borrower and loan details accurately into mortgage and customer management systems.

Experience

Work history, roles, and key accomplishments

PD
Current

Accountant

Pruthvi Distributors

Jan 2025 - Present (1 year 5 months)

Managed FMCG billing operations, generating and cross-checking invoices with Delivery Challans, ensuring accurate dispatch and timely outlet supply. Prepared E-way bills, handled GST additions, monitored receivables with collection reports, and performed reconciliation and payment processing.

TL

Process Analyst

Tactful System India Pvt Ltd

May 2023 - Nov 2023 (6 months)

Collected and verified client documents (income proofs and financial statements) to build complete loan files and support underwriting decisions. Ran credit reports, assessed creditworthiness, maintained timelines for submissions and closings, and served as the primary point of contact through the mortgage process.

Education

Degrees, certifications, and relevant coursework

DM

Dayananda Sagar Academy of Technology and Management

Bachelor of Commerce, Commerce

Grade: GPA: 8.9

Bachelor of Commerce (GPA 8.9) from Dayananda Sagar Academy of Technology and Management, affiliated to Bangalore University, completed in 2022.

SC

Silicon City Pre-University College

Pre-University Course (PUC)

Grade: 89%

Completed Pre-University Course (PUC) in 2019 with a score of 89%.

GA

Govt. School Agara

Secondary School Leaving Certificate (SSLC)

Grade: 89%

Completed S.S.L.C. in 2017 with a score of 89%.

Tech stack

Software and tools used professionally

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