Isha Goyal

Operations Associate

Gurugram, Haryana, India4 yrs 1 mo experience

Key Highlights

Expert in financial analysis and credit risk management.
Proven track record in auditing and statutory reporting.
Strong analytical skills combined with business acumen.

Stackforce AI infers this person is a Financial Analyst with expertise in auditing and credit risk management.

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Skills

Core Skills

Financial AnalysisCredit Risk ManagementAuditingFinancial Reporting

Other Skills

Financial spreadingCovenant testingData analysisExcelStatutory ReportingExternal AuditsClient CoordinationMicrosoft OfficeAccount ReconciliationGeneral Ledger ReconciliationsLoan CovenantsCovenant ComplianceCovenantPortfolio ManagementSpreading

About

Business Analyst at EXL (Xtrakto) with hands-on experience in financial analysis, data-driven insights, and credit-focused analytics. In my current role, I work on Xtrakto, supporting data analysis, reporting, and insight generation to enable informed business and risk decisions. Previously, I worked as a Senior Financial Analyst at NatWest, specializing in financial spreading and covenant testing for UK corporate clients. My role involved analyzing annual and management accounts, deriving key credit metrics (DSCR, ICR, LTV, leverage), and collaborating with credit analysts and relationship managers to support lending decisions and ensure covenant compliance. Earlier, I was an Assurance Associate at Ernst & Young GDS, with 2.3 years of Big 4 experience auditing US-based clients under US GAAP, leading end-to-end audit cycles, group audits, and statutory reporting for multinational entities. An MBA in Finance & Marketing, I combine strong analytical skills with business acumen. Proficient in Power BI, Microsoft Office, and data analysis, I bring structured problem-solving and effective stakeholder communication to every role.

Experience

Exl

Assistant Manager

Oct 2025 – Present · 5 mos · Gurugram, Haryana, India

Natwest group

Senior Financial Analyst

Apr 2024 – Sep 2025 · 1 yr 5 mos · Gurugram, Haryana, India · Hybrid

Performed financial spreading of UK clients’ annual and management accounts (P&L, Balance Sheet, and Cash Flow) into company internal systems.
Analyzed financials to calculate key credit ratios such as DSCR (Debt Service Coverage Ratio), ICR (Interest Coverage Ratio), LTV (Loan to Value), and leverage ratios.
Conducted covenant testing to monitor client compliance with financial covenants and loan agreements.
Ensured accuracy and consistency of financial data to support timely and effective credit decision-making.
Collaborated with credit analysts and relationship managers to assess client risk and structure lending proposals.
Utilized tools like Excel and internal banking platforms for data analysis and reporting.

Financial spreadingCovenant testingFinancial analysisData analysisExcelFinancial Analysis+1

Ey

3 roles

Lead Assurance Associate

Promoted

Sep 2023 – Mar 2024 · 6 mos · Gurugram, Haryana, India

Plan and execute financial statement audits for TMT (Technology, media and telecommunication) clients
Lead a team of GDS and supervise the work of our colleagues or new joiners.
Review and analyze client's financial data and accounting processes
Identify risks and develop strategies to mitigate them
Conduct various testing and sampling of financial records and transactions
Ensure compliance with relevant accounting standards and regulatory requirements
Prepare and present audit findings and recommendations to clients
Collaborate with clients to address any issues or concerns identified during the audit
Stay updated on industry trends and changes in accounting standards
Provide guidance and support to junior team members
Maintain strong relationships with clients and provide excellent client service.
Acknowledged for delivery excellent work as USER RECOGNITION from US TEAM and HIGH PERFORMING TEAM and SPOT AWARD from GDS as well.

AuditingStatutory ReportingExternal AuditsClient CoordinationFinancial Reporting

Advanced Assurance Associate

Promoted

Sep 2022 – Sep 2023 · 1 yr · Gurugram, Haryana, India

Conducted meticulous audits of diverse business entities, adhering to Companies Act requirements. Notable contributions include:
1) Rigorously traced client-prepared documents to third-party records, affirming the completeness and existence of client records.
2) Oversaw the generation of financial statements using automated systems, streamlining the process.
3) Prepared client financial statements, including consolidated financial statements complying with IFRS and statutory guidelines.
4) Managed various client deliverables, such as payroll, cash, AR & AP testing, lease assessments, and searches for unrecorded liabilities, ensuring financial accuracy.
5) Executed in-depth audit procedures, reviewing transactions, documents, and procedures to support professional opinions on the fair representation of financial statements.

External AuditsMicrosoft OfficeAuditing

Assurance Associate

Dec 2021 – Sep 2022 · 9 mos · Gurugram, Haryana, India

Conducted precise reconciliation of client general ledgers to their trial balance.
Applied audit procedures to identify discrepancies and reconciling items, bolstering financial accuracy.
Recorded transactions and maintained monthly reconciliations in accordance with US GAAP and IFRS.
Created well-structured workpapers, featuring clear indexing and cross-referencing for ease of understanding.
Resolved audit issues by collecting evidence and engaging with clients to gain insights into their accounting system.
Proactively communicated the identified issues and errors to upper management, facilitating timely resolutions.

Account ReconciliationGeneral Ledger ReconciliationsFinancial Reporting