Chhavi Gupta is seeking a position in asset management, business analysis, or credit appraisal in Delhi/NCR. She has 9 years of experience in business analysis and finance in manufacturing, real estate, and banking. Her experience includes asset management, business analysis, financial modeling, profitability analysis, and due diligence. She holds an MBA in finance and has expertise in identifying strengths/weaknesses and improving financial processes and systems.

1. Chhavi Gupta
E-Mail:chhavi1011@gmail.com
Contact: +91-9891188033
Qualified M.B.A. (Finance) with experience in Asset Management (Stressed Assets), running successful
finance operations and taking initiatives for business analysis through process improvement
Targeting assignments in Asset Management (Stressed Assets), Business Analysis & Credit Appraisal
Location Preference: Delhi/ NCR
AREAS OF EXPERTISE
Asset Management (Stressed)
Business Analysis & Reporting
Financial Modeling
Profitability Analysis
Due Diligence
Team Management
Finance & Accounts
Auditing & Taxation
PROFILE SUMMARY
 A focused professional with 9 years of experience in Business Analysis & Finance
Experience in Manufacturing, Real Estate and Banking Domain
 Capable of performing business analysis functions for converting business
requirement into technical specifications
 Performing the qualitative and quantitative assessment tests of asset and
deducing the performance abilities of the asset in economic terms
 Completed Certification in Financial Modeling from NCFM after pursuing
a course from ‘Proschool’
 Successfully completed a course on Credit Appraisal for Banking and
management of CMA Data.
 Gained significant exposure of collaborating with top management and
strategic investors to ensure that data integrity was maintained in multiple
reporting systems
 Expertise in identifying areas of strength & weaknesses in the financial
function, drive controllership of Statutory Audit & Tax Audit and managing
systems effectively for improving the efficiency of the system
 Efficient organizer, motivator, team player and a decisive leader with the
skills to motivate teams to excel and win
ORGANIZATIONAL EXPERIENCE
Since Nov’08 Assets Care and Reconstruction Enterprise Ltd., New Delhi (ACRE) as Manager
May’07 – Nov’08 Bisleri International Pvt. Ltd., Sahibabad as Assistant Manager – Finance & Accounts
Jun’04 – Sep’04 Citibank, Noida as Home Loan Coordinator
Nov’02 – Jun’03 HDFC Bank, New Delhi as Sales Executive
Assets Care and Reconstruction Enterprise Ltd – New Delhi (ACRE) Nov’08 – till now
Senior Manager
Assets Care and Reconstruction Enterprise (ACRE) Ltd is an Asset Reconstruction Company (ARC), promoted by IFCI and
PNB along with other banks and financial institutions. It is licensed by RBI under the SARFAESI Act with the objective of
acquiring and restructuring Non-Performing Loans (NPLs) from Financial Institutions and banks in India.
Business Analysis & Asset Management
 Identifying, resolving & disposing of the acquired NPL’s using various resolution strategies given under SARFAESI Act
2002 in coordination with the legal team
 Preparing the settlement proposal after negotiating the terms with the borrower and entering into a settlement
agreement to the final settlement of the case.
 Ensuring all the recoveries i.e. management fees, interest/any other income before the resolution/disposal of the NPL.

2.  Involved with the Credit Department, at various stages, for the acquisition of the NPL from the Banks/FI’s
 Analyzing the work efficiency of asset and the market trends to predict the value of asset in the future
 Evaluating the asset-related financial documents and reports with the statistical techniques and analytical tools
Other Significant Functions
 Managing the due-diligence team for the purpose of Strategic Investment by Foreign Investor and for monitoring
further Rights Issue in coordination with various departments of the organization
 Actively involved in formulating and implementing Business Plans in order to control the financial functions on
periodical basis
 Reviewing and updating the Business Policies in accordance with the changes with the RBI guidelines and market
scenario in coordination with various departments
 Inter departmental coordination for the purpose of RBI Inspection
 Implementing Oracle based financial package as a key member of the team and ERP Package in the organization
 Implementing and monitoring the Corporate Social Responsibility (CSR) activities of the organization
Bisleri International Pvt. Ltd. – Sahibabad May 07 – Nov 08
Assistant Manager – Finance & Accounts
Bisleri International Pvt. Ltd. is a FMCG company, pioneer in selling bottled water in India. This unit in Sahibabad is one
of the biggest Bisleri plants in North India.
Finance & Accounts
 Steering top management interaction in Corporate Planning which integrates various departments i.e. Sales,
Production, Purchase and Inventory of the manufacturing unit
 Supervising Plant functioning from the perspective of understanding bottlenecks and financial needs
 Determining financial objectives and designed & implemented systems, policies and procedures for facilitating
financial control
 Preparing Monthly Income Statement (MIS) for review of the monthly operations by the Management and the Head
office
 Actively involved in formulating and implementing Business Plans in order to control the financial functions on
periodical basis
 Assisting in different initiatives, business planning & day-to-day execution, monthly, quarterly, annual reviews of tasks
and correspondence
 Implementing ERP based financial package in the organization as a key member of the team
 Active involvement in the key areas of the closing of the Annual Accounts
 Worked with the management on implementation of the Balance Score Card in the organisation.
Taxation & Auditing
 Arranging for timely deposit of taxes (Excise, Sales Tax & TDS) and filed returns for timely completion of assessment
and ensuring statutory compliance
 Liaising with government, statutory and internal auditors for timely completion of audits

3. Citibank – Noida June 04 – Sept 04
Home Loan Coordinator
 Attending Home Loan Customers and explaining the various home loan categories depending on the customer
requirement
 Evaluating the financials of the customer and calculating the maximum loan that can be offered at the most
competitive rate
 Ensuring final disbursement of the home loan after completion of all the formalities
HDFC Bank – New Delhi Nov 02 – June 03
Sales Executive
 Attending all “Walk In “as well as “Telephonic Customers” in HDFC Bank and tapping them for Business Development
Purposes.
 Opening Saving and Current Account for the customers by taking care of all formalities for opening the accounts.
 Making Calls to pitch in new customers and offering new products to existing customers.
EDUCATION
2007 MBA in Finance & Marketing from Amity University, Noida, UP
2003 Chartered Accountancy (Intermediate) from Institute of Chartered Accountants of India (ICAI)
2002 B.Com. (Hons) from Delhi University, New Delhi
Academic Achievements:
 Amongst the Top 10 Students of the MBA Batch and worked as key member of the Post-Graduation Programme
(PGP) Committee which comprised the Toppers of the Batch
 Attained various awards many times for being Topper at School level
COURSES ATTENDED
 Web Centric Curriculum- JAVA, SQL Server 7.0, MS-Office, HTML from NIIT, Kalkaji
 Advance Excel and MS-Access from APTECH, Preet Vihar
 Completed a comprehensive course on Credit Appraisal for Banking
 Underwent Certification in Financial Modeling from NCFM after pursuing a course from ‘Proschool’
COMPUTER SKILLS
Proficiency in:
o Functions(Mathematical, Logical, Statistical, V-Lookup, H-Lookup)
o Macros
o Pivot Tables and Pivot Charts
o Goal Seek, Scenario, Formatting, Filters, Validation, Sharing and protecting the Workbook and so on
PERSONAL DETAILS
Date of Birth: 10th November 1981
Residential Address: 73, Shivalik Apartments, Alaknanda, New Delhi - 110019
Languages Known: English, Hindi & Spanish
Refer annexure for academic projects

4. ANNEXURE
ACADEMIC PROJECTS
Organization: Power Finance Corporation – New Delhi
Title: Issues and Strategies of an ‘Initial Public Offer’ (IPO)
Period: May’06 – Jun’06
Role: Summer Trainee
Learnings:
 Worked on various guidelines lay down by SEBI in relation to IPO
 Managed functions related to Issues and Constraints also monitored IPO for a Public Sector Undertaking and
performed the valuation of the shares to be offered in the IPO
Organization: Amity University, Noida
Title: Risk and Return on Various Classes of Assets (Role of Asset Allocation for Individuals)
Period: Jan’06 – Mar’07
Learnings:
 Studied the traditional Asset Allocation Theory and understanding the Life Cycle of Investing
 Learnt risk and return relationship in respect to various investments options
 Managed various asset allocation strategies and analyzed various Asset Classes in respect to the Indian Scenario
 Balanced Risk and Return by Asset Rebalancing