DEEKSHA RATHEE

D DR
Associate

CONTACT PROFESSIONAL PROFILE

 A focused associate with a total of 3.2 years of experience in banking and

finance sector.
Flat No-C 703, Manglik Apartment,
 Expertise in bank reconciliation with various Nostro accounts in different
Plot No-25, Sector 6, Dwarka,
New Delhi, 110075 currencies.
Address  Expertise in Credit analysis and financial reporting.
 Expertise in R2R process and MIS works related the finance and credit.
+91 8587070411
Phone Number
EMPLOYMENT HISTORY
Deeksha6244@gmail.com
Email
FINANCE ASSOCIATE | PUNJAB NATIONAL BANK (I) LTD
New Delhi / December 2019 –Present
https://www.linkedin.com/in/deeksha- Bank reconciliation process
rathee-81b16aa0/
LinkedIn
 Performing analytical review of daily trade operations management.
 Performing cash and asset reconciliations for the funds and reporting of
EDUCATION daily cash activity as a part of fund management.
 Ensuring funds are delivered as per trade contracts.
IFRS | Financial Reporting | KPMG  Submission of daily and monthly MIS related to the Nostro balances.
Certificate of Participation by KPMG  Carrying out the Bank reconciliation of various Nostro accounts in
April 2021
different Currencies.
PGCFR | Financial Reporting  Matching the GL break with the statement break received in form of MT-
Edupristein 950,940.
2018  Investigating on the outstanding break left post reconciliation.
 Liaising with our agent bank, counterparties and branches to resolve the
MBA | Finance | Marketing
outstanding break at desire time frame.
BCIPS | IP UNIVERSITY
2015 - 2017
MIS (Regulatory Reporting)
BBA | Tour and Travel Management
Maharaja Surajmal Institute | IP university As part of the role I am involved in MIS reporting of finance and credit department
2012 - 2015
of the Bank. Collecting data and preparing reports as per UK regulatory guidelines
12TH | CBSE for submission to the Finance department of the bank.
Army Public School, Delhi Cantt.  Preparing master file that includes various sub files to show bank’s
2010-2012 bifurcated assets and liabilities as on date using account balances,
customer data and trial balance reports of different GL heads.
EXPERTISE  Preparing deposit maturity profile of customers to ascertain total
compensable amount against their deposit.
Research and Analysis  Preparing account Receivable/Payable profile on daily basis for all
deposits and loans account.
 Generating raw data and preparing RWA reports as per CRD-IV norms to
Financial Modelling ascertain working capital requirement of the bank in order to reduce
insolvency risk.
 Preparing IFRS 9 file to classify and measure bank’s asset with expected
Bank Reconciliation cash inflows in given time according to interest rate and tenure that helps
bank to recognise and estimate impairment losses.
 Preparing VAT (Value Added Tax) file on the basis of income and
Financial Statement
expenditure of the Bank as per UK guidelines.
 Preparing and carrying out review of credit files i.e. LOAN, ODA, Limit
Microsoft Office Sanction Statement and Consolidated Files.
 Carrying out financial analysis including analysis of inflow and outflow
based on proposals under process and expected repayments.
 SKILLS EMPLOYMENT HISTORY (CON TIN UE D)

 Understanding the flow Loan instalments- breakup of term loans in

credit portfolio and identification of irregular accounts.
 Carrying out research related work on the transaction including data
mining from internal as well as external sources.
RESEARCH ANALYSIS TEAMWORK  Preparing India based exposure and Real estate exposure-capital
optimization through internal sources.
 Preparing Visit, valuation and insurance through necessary analysis i.e.
Ratio analysis and graphical presentation.
 Providing support/assistance for proposals and files with necessary
analysis.
 Calculating and reporting of Asset class in past due and exposure at
QUICK LEARNER ACCURACY ADAPTABILITY default to identify credit risk on assets.
 Compiling and analyzing financial data for regulatory reporting,
forecasting and financial statements detailing assets, liabilities and
capital.

ACHIEVEMENTS Clearing and Settlement

ORGANISATION RECOGNITION
Was recognised for multiple works
AWARD | CERTIFICATE
I have been awarded for excellent academic
performance during graduation.
 Handling Inward and Outward cheques including cash letter for PNBIL.
 Tallying of cheques details received and sent with our records captured
in system.
 Identify and return cheques with discrepancies.
 Performing transactions related to collection/return of Cheques.

Won a certificate of appreciation from Credit Analyst | Sway Financial Advisor Pvt. Ltd
national council of development and
education at school level
New Delhi /April 2018 – November 2019

QUIZ  Preparing Teasers, Information Memorandum and Presentations.

1st runner up in business quiz  Preparing and carrying out review of financial Models and CMA.
 Carrying out financial analysis including Ratio Analysis
 Understanding the flow of the model and inter dependencies between
TRAITS the financial statements and assessing the model for its accuracy.
 Carrying out research related work on the transaction including data
DILIGENT mining
All about work  Handling Queries from Financial Institution with respect the deal
structuring and propose solutions.
CURIOSITY
Eager to learn something new
 Establishing and managing client data rooms for financial due diligence
processes
CREATIVITY  providing support/assistance for proposals/business development with
 Brainstorming ideas for research and analysis. necessary analysis
I think outside the box.

DEDICATED Intern | Mirus solution Pvt. Ltd

Loyal & dedicated - it’s just what I am New Delhi /October 2016 – November 2016

ELOQUENT  Two months training in financial service.

Building relations with strong communication
skills
 Identifying the prospective corporate customers and developing a
database.
FOCUSED
 Identifying, organizing, coordinating and attending meetings with
I am goal oriented companies.

Intern | Aircel Ltd

New Delhi /June 2016 – July 2016

 Analyzing the sector and data mining.

INTERESTS
 Preparing MIS and maintaining records.

DECLARATION

I hereby declare that the information furnished above is true to the best of my
knowledge. I do hereby declare that above particulars of information and facts stated
are true, correct and complete to the best of my knowledge and belief.
Deeksha Rathee