Rupaa Pantha

I’m an analytical, detail-oriented finance professional and credit analyst (semi-qualified CA) with 3+ years of experience in deep-dive financial analysis, risk assessment, and regulatory compliance. I interpret complex financial statements, evaluate creditworthiness, and manage high-complexity documentation with a balanced approach to independent risk evaluation and team execution.

In my Audit & Accounting Associate role at P.J.P.N. & Co., Chartered Accountants (Aug 2021 – Dec 2024), I handled full-cycle bookkeeping, including accounts payable/receivable (AP/AR), general ledger clean-ups, and trial balance verifications for multi-sector corporate clients. I also led NFRS (IFRS-aligned) conversion work—mapping and reconciling complex datasets to support smooth cross-border reporting readiness.

I’ve led risk assessment teams for commercial banks and fintech platforms, critically evaluating internal credit controls, lending practices, and loan portfolio risk management frameworks under tight timelines. Alongside credit and risk, I managed tax compliance through detailed tax audits and periodic corporate tax and VAT filings, and I support decision-making through variance analysis, cash flow forecasting, and financial statement analysis.