Summary
Overview
Work History
Education
Skills
Projects Volunteering
Languages
Interests
References
Timeline
Generic

Pratik Desai

Perth,WA

Summary

Dynamic finance professional with over six years of industry experience, a strong perception of credit and compliance risk analysis, and a constant drive to learn and grow.

Overview

15
15
years of professional experience

Work History

Loan Writer

Kaizen Financials Pty. Ltd.
01.2021 - 01.2025
  • Analyzed clients' financial status and identified suitable lending options to meet requirements.
  • Conducted cost-benefit analysis for client refinance proposals to optimize financial outcomes.
  • Evaluated loan serviceability and determined maximum feasible mortgage limits to prevent financial hardship.
  • Performed bank statement analysis for income and expenditure verification to ensure accuracy.
  • Liaised with lenders while managing documentation flow and approval processes efficiently.
  • Completed compliance documentation for audit requirements, ensuring all regulations were met.
  • Interviewed prospective clients to gather detailed financial requirements and objectives.
  • Recommended loan combinations tailored to clients' needs, detailing conditions, repayments, and periods.

Accountant

Premium Packaging
07.2020 - 12.2020
  • Calculated profit shares and commissions for senior technical staff on fortnightly and quarterly basis.
  • Collaborated daily with non-accounting and technical personnel regarding inventory and invoicing of goods and services.
  • Conducted Profit and Loss Account reporting, Balance Sheet preparation, Payroll tax, and BAS analysis.
  • Managed Accounts Receivable processes, including weekly aging analysis and debtor follow-ups.
  • Processed credit notes according to company policies and allocated cash in Accounts Receivable ledger.

Consultant

FINMECHANICS
06.2014 - 12.2015
  • Analysed and communicated the key risks for complex transactions to the Head of Rates Quant at a global bank for their Interest Rates business.
  • Led an end-to-end implementation of commodity derivatives pricing and trained six commodity traders and sales personnel in London, Singapore and Sydney.
  • Created a market risk framework to monitor trading limits, gathered client requirements and managed deliverables for a major Indian Bank.
  • Led a team of four associate consultants to deliver a high-quality solution, resulting in repeat business from the client.

Accountant

U. M. Parikh Accountants
Mumbai, Maharashtra
06.2010 - 05.2014
  • Consolidated financial statements, tax schedules, and audits for SMEs and corporate entities.
  • Reviewed internal controls and risk management strategies in compliance with corporate governance standards.
  • Documented processes utilizing audit programs, checklists, and flowcharts for clarity.
  • Conducted audits on banks' access controls and network security to ensure data integrity.
  • Oversaw company tax compliance, statutory accounts, and month-end reporting.
  • Facilitated year-end audit reporting processes, including comprehensive risk assessments.
  • Mentored candidates by providing professional development through hands-on training.
  • Managed accounts payable and receivable to enhance cash flow efficiency.

Education

Master of Accounting (Professional) With Master's in Commerce Specialisation in Finance -

Macquarie University
Sydney
02.2019

Bachelor of Accounting and Finance -

Mumbai University
Mumbai
05.2015

Skills

  • Credit analysis and underwriting
  • Risk assessment
  • Regulatory compliance
  • Portfolio management
  • Process improvement
  • Leadership and management
  • Training and monitoring
  • Effective communication skills
  • General management
  • Advanced MS Office

Projects Volunteering

  • Sydney Korean Festival,

Team Leader, leading a team of 15 people, part of CHAJEONNORI, a traditional Korean act.

  • Baal Asha Trust

I taught students singing, dancing, math, and helped them with their studies, entertained them with various games, and looked after them, assisting disabled kids with their chores, and ran a marathon in a tutu to raise money for the foundation Helped facilitate workshops and events surrounding children's education and exposure to interact and have equal opportunities

Languages

English
Native/ Bilingual
Hindi
Native/ Bilingual
Gujarati
Native/ Bilingual
Marathi
Professional

Interests

- Trekking

- Football

- Camping

References

References available upon request.

Timeline

Loan Writer

Kaizen Financials Pty. Ltd.
01.2021 - 01.2025

Accountant

Premium Packaging
07.2020 - 12.2020

Consultant

FINMECHANICS
06.2014 - 12.2015

Accountant

U. M. Parikh Accountants
06.2010 - 05.2014

Master of Accounting (Professional) With Master's in Commerce Specialisation in Finance -

Macquarie University

Bachelor of Accounting and Finance -

Mumbai University

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Pratik Desai