I am writing to express my interest in suitable Finance, Accounting, Credit Risk, or Financial Analysis opportunities within your organization. I am a Cost and Management Accountant (CMA) qualified from the Institute of Cost Accountants of India (ICMAI), with a Bachelor of Commerce in Finance and over three years of professional experience in credit risk, financial analysis, accounting, and audit.
In my most recent role as Credit Head at Manappuram Chits India Limited, I was responsible for monitoring credit portfolio performance, evaluating credit proposals, analysing financial statements and cash flows, conducting ratio analysis, assessing repayment capacity, and supporting credit decisions. I also supervised credit underwriting activities across multiple branches and worked with credit scoring models, approval matrices, risk grading, and credit-risk policies.
Previously, as an Audit & Accounts Assistant at SGS & Company, I gained practical experience in financial statement preparation, statutory audit support, bank reconciliation, accounting transactions, financial ratio analysis, audit documentation, and tax computation. This combination of accounting and credit-risk experience has developed my ability to analyse financial information carefully and support sound business decisions.
I am currently based in Bahrain and am keen to build my career in the Bahrain financial and business environment. I believe my CMA qualification, finance background, analytical skills, and professional experience would enable me to contribute effectively to your organization.
I would welcome the opportunity to discuss how my qualifications and experience could meet your organization's requirements. Thank you for considering my application. I look forward to hearing from you.
Yours sincerely,
AMRUTHA P M
CMA B.Com Finance
Bahrain
+973 35694515
[email protected]