1. VIKRAM A. NAWALE
Mobile: 9673992641 Email: nawalevikram@yahoo.co.in
Career Objectives
To continuously develop my innovative skills for all long and rewarding careers with a progressive
company. Adaptive, Quick Learner, Systematic Approach and Total Involvement with Assigned
responsibility of work
Professional Experience
CRISIL LIMITED – A Standard & Poor’s Company, Pune.
Designation: Financial Analyst (Executive)
Total Experience: 7 Years 5 Months (Nov: 2008 till April 2016)
Clients: BLR (Bank Loan Rating), S&S (Short & Simple), NSE, INFAC, BSE, Research,
Project Handle-
 Financial Statement Analysis
 Account Receivable/ Account Payable process, Journal Entry, Reconciliation of Financial
Statement and their Schedule.
 Credit Risk assessment.
 Fact sheet
Financial Statements Analysis
 Analysis of Indian Companies for purpose of Credit Rating.
 To Collect, Analyze & do adjustment of Corporate Financial Data with Indian GAAP.
 Financial statement analysis for credit rating process. Analysis of company’s growth with that
particular industrial sector.
 Study of Ratios with different benchmark & peer performance.
 Report writing for the company. The report contain over all financial position of the company
in the market.
 Maintain the Sigma level of quality on all above.
 Training to new Joinee, client handling Issue.
Account Receivable Process
 Receive and Verify invoices and requisitions for goods and services.
 Complete credit analysis and review of new clients. Determine credit limits and annual review
of major client accounts.
 Receive and fill out receipts for third party payments, whether by cash, cheque, credit, and
other forms of payment.
 Review all credit balances, refunds, and adjustments or corrections to corporate billing
records.
 Investigate collection problems and advise customer objections to making timely A/R
payment.
 Make arrangements for payment of outstanding and late accounts, prepare documentation
for that reports.

2. Account Payable Process
 Review all invoices for appropriate documentation and approval prior to payment.
 Sort and distribute incoming mail, process emergency mail, phone call.
 Prioritize invoices according to cash discount potential and payment terms.
 Respond to all vendor inquiries, Reconcile vendor statement, research and correct
discrepancies.
 Maintain files and documentation thoroughly and accurately, in accordance with company
policy.
 Assist in month end closing.
Reconciliation of Financial Statement and their Schedule.
 To check company Annul Report Profit & Loss A/c, Balance sheet A/c face sheet total with its
description schedule.
 Prepare report on change in company face sheet total or change in schedule total as its
effect on Rating notes.
 Reconciliation of schedule and its sub schedule total.
 Discuss with client regarding Error in reporting of Financial Report of the company.
Credit Risk assessment for (Bank loan Rating)
 To check and prepare report how much loan company has taken from bank and how much
loan is repaid by the company since last five year.
 To check company Debt default with bank since last five year.
 Prepare report on current status of company repayment of loan by discussing with company
management via phone, email.
 Credit risk report is prepare should company get new loan or not as per there loan repayment
transaction.
Team leader of Fact sheet project (four member):-
 The factsheet forms an important part of rating note. The factsheet covers the important
information like Equity Share Capital record, Details of Board of Directors, Nature of business of
company etc. News Search report basically provides an insight into the company’s overall
significant matters. It is prepared to ascertain whether the company has done some investments
(in past or present) for some specific venture/s, whether the firm is looking for future expansion,
diversification etc. News search report thus provides a gist as to how the company has behaved
in the past & how it envisages the future opportunities.
Work Experience before MBA
Firm Atharva Infotech (Partnership firm)
Duration Jan 2005 to June 2006
Designation Account Assistant.
Profile Making Journal Entry in Tally Software, Maintaining Daily Petty cash book ledger,
Checking the Daily status of Bank A/c of firm, Preparing Debit Note and
Credit Note Voucher.
MBA Project Report
 Study & Implementation of Just in Time and Inventory control in Rinder India Pvt.
Ltd.Chakan. (Specialization Subject Finance in MBA (summer project)

3. Technical Skills
 MS-Office, Tally, MS-CIT, Knowledge of Advance Excel.
 Typing – English & Marathi -40 w.p.m.
Academic Records
 MBA (Finance) 2008 from Dr. Vikhe Patil Foundation’s Center for Management Research
and Development, Pune secured 62% First Class.
 M.com 2005 from Pune University.
 Diploma in taxation & law, 2003 from N.B.T law college Nasik, Pune University.
 Government Diploma in Co-operation & Accountancy, 2004 from Pune University.
 Bachelor of Commerce, 2002 from B.Y.K College of commerce in Nasik from Pune
University Secured 58% Higher Second class.
 Higher Secondary Certificate (Standard XII): 1999 from B.Y.K College of commerce in
Nasik from Nasik board. Secured 56% second class.
 Secondary School Certificate (Standard X): 1997 from Swami Vivekanand Vidyalaya Nasik
from Nasik board. Secured 49% second class.
Co-curricular Activities
 Runner-up in Street plays intercollegiate competition “Dhruv-07” organize by Pune University
MBA Institute.
 N.C.C – ‘C’ Certificate Holder.
PERSONAL VITAE
Name Vikram Ashok Nawale
Gender Male
Marital status Married
Date of birth 2nd July 1982.
Nationality Indian
Father’s name Ashok Fakira Nawale
Local Address C/o Rajendra Gotal, Flat no. 2, Brahma Palace, New sanghvi, near
dianasor garden pune- 411061
Languages known English, Hindi, Marathi
Phone no to contact Mobile- 9673992641
Email Address nawalevikram@yahoo.co.in
Date:
Place: Vikram A. Nawale