Neha Vij

Add- Garden View Sanjauli Shimla-6

(9872168932)

Email-nehavj28@gmail.com

Educational Qualifications

Course/Stream/Examination Institute/University Year ScoreMaster of Business Administration (M.B.A.) Finance

Chitkara Business School

2012-2014 7.38

Bachelor of Commerce (B.com)

Himachal Pradesh University

2011 63%

C.B.S.E.XII (Commerce) St. Bede’s College 2008 76%

ICSE X (Convent Of Jesus And Mary)

2006 79%

Banking And Economics(2014-2016)

Acquired Knowledge for Bank Exams And Covered the Following Areas

Banking

1) Banking Regulation Act 1949, R.B.I.Act 1934- legal acts framed with an objective to help in development and governance of banks

2) Securitization And Reconstruction of Financial Assets and Enforcement of Security interest- (S.A.R.F.ES.I.)Act- 2002 – used in recovery of secured loans and helps in reducing N.P.A

3) Payment Banks And Small Banks – have restricted services as compared to other banks but majorly helps in creating Financial Inclusion In the Economy

4) Major types of Loans In Bankinga) Term Loans- long and short which are available on the basis of business and

incomeb) Development loans- Soft loans and Microfinace- helps in upliftment of those

sections which are denied to financial services

5) Basel Norms 3 regulation- of Capital To Risk Weighted Asset Ratio at 8%

6) Determination Of Base Rate In Banks- By bucket system which categorizes securitiesinto high and low risk andhelps earning best possible return which helps todetermine base rate as prescribed by R.B.I.

7) Working Of Instruments covered under Negotiable Instruments Act 1881-

a) These instruments are Cheque, Bills Of Excahange, Promisory Note, Demand Draft

Economics

1) Working of Money Market Instruments a) Commercial Paper, Certificate Of Deposit- issued by Companies and Banks for

Short term liabilities

b) Treasuary Bills - issued by Central government and have high liquidity as Maturity Period is less than one year

c) Bonds, Options (Call And Put), Forwards and Futures- Instruments and Contracts which provide safety against fluctuations in money market and helps to raise money

2) Impact of deflation and Inflation On EconomyMeasures like Consumer Price Index And Index of Industrial Production helps in calculating growth and right amount of inflation in Economy and also helps in recognizing Demand Pull and Cost pull Inflation Deflation is used in certain extreme conditions to revive economy

3) Depreciation and Devaluation Of CurrencyDepreciation occurs by market forces of Demand And Supply which affects country’s Current Account Deficit Devaluation is done by the government as happened In India In 1961,1980- to revive Indian Economy and In 1991 to revive and liberalize Economy and also reduce to major deficits Fiscal And Current

4) Monetary policy –used by R.B.I. to maintain balance of liquidty in the Economy

Skills

1) MS Office – Word, Excel, Power Point2) Handling Operations By Maintaing Management Information System

Work Experience

1. LAMBA VIJ &CO. CHARTERED ACCOUNTANTS (March 2012-June2012)Relevant Course of Work- Assessment of Income Tax under Various heads Of Income by Auditing Basic Financial Statements.and understanding deductions u/s 80c

2. Industry Internship -During M.B.A. CourseCompany- UCOBank (February2013- MAY 2013)Assessing Services of Bank And Covered Following Banks. Axis Bank, HDFC ,UCO Bank. Learnt the process of Credit Appraisal In UCO Bank

3. Internship At KPMG (Business Consultancy Firm) March 2016- May 2016Worked in Department of Governance Risk And Compliance Services and covered following areas

a) H.R. Audit- MSFL MAX(Punjab)-Review of Standard Operating Procedures and their applicability in Hiring and Training Manpower And Maintenance Of Budget

b) Finance Audit-Trident Review of Standard Operating Procedures and their applicability in Recording Financial Transactions, Also applicability Of Tax laws

c) Stock Audit-PVR BLUE MALL(Punjab) Review Of Standard Operating procedures and their applicability in Maintaining G.R.N., M.R.N. ,LIFO AND FIFO and proper maintenance of accounts

Accquired knowledge in following Areas a) Sarbanes–Oxley Act 2002 and its implementation in India with respect to

Clause 49 of Listing Agreements

b) Double Taxation Avoidance Agreements(D.T.A.A.) – Basics, Need ,Effects of Agreements On India (Singapore, Mauritius) with respect to Capital Gains

c) Panama Papers Leak- Reason, Consequences, Effects On World

d) Income Computation And Disclosure Standards- Basics ,Advent In IndiaAim- to Synchronize IAS and Income Tax Act 1961 and help in adoption Of International Financial Reporting Standards (I.F.R.S.)

e) Companies Act 2013- Major Changes , Calculation Of Depreciation

f) Impact of GST on Indian Economy

4. Max Insurance –(July2016 to Present)Relevant Course Of Work- Working in Operations and Maintaing MIS on Daily basis and also working as a Teller

Projects Undertaken

Working Capital Management

Assessing Working Capital And Profitability Analysis Of Pharmaceutical Companies By using ratios – Liquidity, Solvency, Stock Turnover

Business Plan- prepared a business plan on development of hotel in Shimla keeping in Mind the tourist factor.

Hobbies- Listening Music and going for a walk in Calm places