www.shbindia.com SH Bhandari & Co Chennai Hyderabad : Chartered Accountants

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SH Bhandari & Co.
Late Mr S.H.Bhandari founded the firm in March 1955. The firm has continuously been in audit and tax practice since then. The firm has carved a niche for itself through its expertise in the field of tax-advisory services and audits. Mr Sanjay Bhandari currently heads the firm. The firm consists of three more partners, namely, Mr B.Gopalakrishnan, Mr Sreedhar Sreekakulam, and Mr K.Hanmandloo. The firm is rich in human resources with a low attrition rate and most of them have an organizational age of more than 15 years extending up to 30 years.

We are committed to the provision of exceptional professional service. Should you share in our commitment to client service and possess the desire to build a successful career, then we invite you to join the professional team at SH Bhandari & Co.

At SHB, we look for people who:

· want to be challenged and desire rapid professional growth
· enjoy interacting have imagination, initiative, and dedication
· have an ability and a desire to provide exceptional professional services to a diverse group of clients
· work with others in a supportive work environment

OUR OFFICES :
1. CHENNAI:
SH Bhandari & Co
“ Bhandari Towers”
824, Poonamallee High Road, Kilpauk,
Chennai - 600010
Phone: (044)-26412323,
(044) - 30486876 / 77 / 78 / 79 / 80 / 81

2. HYDERABAD:
SH Bhandari & Co
404, 4th Floor, Mount Nasar Appartments,
Adjacent to Ravindra Bharti and The Reserve Bank Of India.
Hyderabad 500004
Phone: (040) 30421146 / 47,
(040) 30601145

Email : shbhandari@gmail.com , shb@shbindia.com

http://shbindia.com

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Email : santoshthakre AT gmail.com
SANTOSH THAKRE
OBJECTIVE
I aim at enrichment of my personal and professional life through continuous improvement of my core competencies, teamwork and leading towards newer horizons in the field of Accounts, Banking and Finance.
KEY STRENGTHS
- Chartered Accountant with more than 6 years post qualification Experience
- A Motivating Team Leader with Excellent Interpersonal and Communication Skills
- Persistence to Work towards a Common Goal
- Ability to solve complex and multiple situations
- Decision maker and Solution Provider and Dynamic Link between Management and Bankers / Clients.
ACADEMICS SCORE :
Name of School/College Name of Institution/ University Course Year Of Passing Marks Obtained Class %
Govt. M. H.S. School, Raipur MP Education Board, Bhopal High School Certificate 1993 444/650 First 68.31%
Govt. M. H.S. School, Raipur MP Education Board, Bhopal Higher Secondary School Certificate 1995 336/450 First 74.67%
Durga College, Raipur Pt. Ravishankar University B. Com. 1998 464/750 First 63.86%
CA ICAI, New Delhi CA 2002 Pass Pass
ACADEMIC ACHIEVEMENTS
- AMFI Certification : Secured 74.25% in Certification course conducted by NSE on Advisory Module of Mutual Fund.
- IRDA Certification : Secured 70% in Certification course conducted by IRDA.
- Secured 1st Rank in Higher Secondary School Certificate Conducted by Education Board of M.P. in year of 1995.
- Secured 3RD Rank in B. Com. Examination in 1998 Conducted by Ravishankar University Raipur.
- Having N.C.C. “C” Grade Certificate.
COMPUTER LITERACY
Exposure on ERP Based System, Tally, Lotus, MS Office ’2000, Windows98, Internet.
PROFESSIONAL EXPERIENCE
Jan'07 – till date ICICI Bank, Surat Manager
Job Profile Wealth Manager (April 09 – current)
- Helped clients to determine their financial and investment goals.
- Recommended financial solutions to suit a variety of investment objectives and risk levels.
- Educated and gave advice to clients on investments.
- Develop and implement financial plans for individuals, businesses, and organizations, utilizing knowledge of tax and investment strategies, securities, insurance, pension plans, and real estate.
- Interview client to determine client's assets, liabilities, cash flow, insurance coverage, tax status, and financial objectives.
- Analyze client's financial status, develop financial plan based on analysis of data, and discuss financial options with client.
- Prepare and submit documents to implement plan selected by client.
- Maintain contact with client to revise plan based on modified needs of client or changes in investment market.
Area Credit Manager(Car Loans)-Gujarat (Dec'07 to Mar’09)
- Job Includes :
(a) Setting up of processes ,
(b) Sending regular MIS as per agreed time lines
(c) Getting of documents updated at Ops desk and resolving reconciliations if any.
- First decisioning on files and status communication to market to happen within 24 hours of login of files. Not more than 10% of files to be pending for final credit decision post 48 hours of login.
- Training norms for CPA, sales and channel to be complied. Regular monitoring of service level to satisfaction of sales team
- Hindsighting score of not less than 8.5 for any location for any of the months. Annual average score to be 9 plus.
- Data quality analysis report (As per parameters to be decided by business) to show regular improvement
- Processing Cost per file to be reduced and CPA staff (Including Ops) productivity to be increased.
- Quarterly feedback to the team. Regular review of team's performance
CREDIT MANAGER (June’07-Nov’07) :
- Job includes :
(a) Setting up of processes ,
(b) Sending regular MIS as per agreed timelines
(c) Getting of documents updated at Ops desk and resolving recons if any.
- Credit Decisioning : First decisioning on files and status communication to market to happen within 24 hours of login of files. Not more than 10% of files to be pending for final credit decision post 48 hours of login. File Decisioning as per Policy, Recording of Facts on CAM, Ensuring necessary deviation approvals are taken.
- Regular Training to the channels, each channel should get training once in a quarter.
- RM (Sales team) training/ review to be conducted on monthly basis.
- Training to new Channel/ RM training
- Hind sighting score of not less than 8.5 for any location for any of the months. Annual average score to be 9 plus.
- Data quality analysis report (As per parameters to be decided by business) to show regular improvement
- FI Management : Monitoring of Quality and TAT, Ensuring code of conduct for CPV agency, Training of CPV agency, Enforcing CPV penalty matrix
- CPA Management : Quality Screening at Login, Time Management in File Processing as per TAT & File Flow, Quality and accuracy of CAMs, Training of CPA's & ensuring Service standards, Enforcing CPA Penalty Matrix
Feb'06 - May’07 HDFC Bank, Surat Asst. Manger (Retail Credit & Risk -Auto Loans)
Job Profile CREDIT MANAGER :
- Genral :File Decisioning as per Policy, Recording of Facts on CAM, Ensuring necessary deviation approvals are taken, Managing the load and planning for future, Regular interaction and Training to Channels/In house Team
- FI Management : Monitoring of Quality and TAT, Ensuring code of conduct for CPV agency, Training of CPV agency, Enforcing CPV penalty matrix
- CPA Management : Quality Screening at Login, Time Management in File Processing as per TAT & File Flow, Quality and accuracy of CAMs, Training of CPA's & ensuring Service standards, Enforcing CPA Penalty Matrix
- TAT & Credit Wastage : Approvals within TAT, Efforts to minimise Credit reworks, Wastages to be Minimised,
COMPLAINCE- INTERNAL AUDIT & PAR
- Ensuring satisfactory rating -Internal Audit, Error rate as per PAR to be within accepted limits, Ensuring other Compliances as agreed in the recent Audit Report
PORTFOLIO QUALITY MANAGEMENT ::
- Non Starter Trends, 90+ trends 180+ trends/ Loss trends Action initiated on MIS provided on non starters/ delinquency etc Reviewing with RSM/ RBM product portfolio- Action on Channels Delinquent RCs pending (applicable for AL, UCL & TWL)
BUDGETS- COST CONTROL :
- Managing CPA costs within budgets, Managing CPV agency costs within budgets, Monitoring Vendor Bills and payouts, Ensuring Branch Cost is within Budget
MIS :
Compling all MIS received from CRU and analysing, Interacting with Sales on the MIS and to work Joint Actionables
PEOPLE MANAGEMENT :
- Effective team management, Keeping the team motivated to achieve the stated organisational goals
Apr’04 – Jan'06 Gujarat Co-op, Milk Marketing Federation Ltd. (AMUL) Executive ( Accounts)
Job Profile - Joined as Officer-Accounts at Ahmedabad Branch having annual turnover of more than Rs. 100 Crore.
- Responsible for payment of all the transportation bills, C & F bills, Employees claims and other processing of other bills.
- Preparation of Non Survey Insurance Claim bills for submitting to insurance company.
- Processing claims of wholesale dealers for product complaints and issuing credit notes to them for various trade schemes and discounts operated in market.
- Price Working for the various product lines and implementation in the system
- Having exposure on Oracle based ERP System.
- Management of Office and Market Assets of the company.
- Responsible for Filing Monthly / Quarterly and Annual Sales Tax Returns.
- Monitoring the securities available with the company against credit to Wholesale Dealers.
- Preparation of Various Reports to be submitted to Higher Management at Head Office.
- Preparation of Monthly Operating Income Statement. Preparation of Monthly Profit & Loss Account and reporting to Management
- Co-ordination among the Branch Office, Head Office, Godowns, C & F Agents, Transporters, Debtors and Creditors.
- All day-to-day activities, trouble shooting and problem solving, General banking activities.
- Responsible for overall Accounting Functions.
- Setting up of Internal Control Systems
- Income Tax , Sales Tax and other related works.
April 2000-March 2004 M/s Deshpande Maloo & Co, Chartered Accountants. Audit In charge
Job Profile - As Group leader handled –Internal Audit of National Mineral Development Corporation Deposit No.-5 & 14 Kirandul, Bailadila having Administrative office at hyderabad.
- Statutory Audit of various Banks like SBI, Bank of Baroda etc
- Statutory Audit of various Public Sector Undertakings Like Life insurance Corporation, United India Insurance Co. etc.
- Statutory And Internal Audit of Press (Navbharat & Deshbandhu)
- Exposure in Company Audit, Firm audit and audit of individuals
Preparation & Filing of Income Tax Returns.
Sept 1996-Aug1999 M/s O. P. Singhania & Co., Chartered Accountants, Raipur Article Clerk
Job Profile - Completed article ship of 3 Years.
- Responsible for Book Keeping including preparation of Cash Bank and Journal Vouchers, Ledger posting and Cash & Bank book maintenance, Preparation of Trial Balance, P&L statement and Balance Sheet.
- Statutory and Tax Audit of Companies.
- Internal Audit of GCMMF Ltd.(Amul), Perfetti and Solvent Extraction Plants, Plywood Industries and other Manufacturing Companies.