Clean books are a daily habit
Why the annual audit should be a formality, not a fire drill — the weekly reconciliation discipline that makes it so.
Read →
01 · The controller
— Sneha Reddy
Every rupee accounted, every fund where it belongs
Banker with nine years in private sector banking, moving from branch relationship roles into MSME credit underwriting. Appraises working capital and term loan proposals, structures facilities under CGTMSE and sets covenants that keep delinquencies low.
AUDITED
Finance card
Particulars · one glanceBaseHyderabad, Telangana
RoleSenior Credit Manager, MSME…
HandlesBudgets · fees · payroll · audit
ComplianceGST · TDS · trust / 12A-80G
ToolsTally · ERP · advanced Excel
StatusOpen · 90-day notice
02 · The books
What I manage & safeguard
Budgets to audits, fees to payroll, compliance to cashflow — the school's finances held to standard.
Credit appraisal
Working capital assessment
Financial statement analysis
CGTMSE
Cash-flow lending
Risk rating models
Portfolio monitoring
Team coaching
03 · How I run it
Stewardship, not just bookkeeping
Institutional finance isn't bookkeeping — it's stewardship. Every rupee in a school's account is a parent's trust and a child's opportunity, and it deserves to be handled with both precision and conscience. My job is to make sure the money is where it should be, spent on what it should be, and provable to anyone who asks — the board, the auditor, or a parent. Clean books aren't a year-end scramble; they're a daily discipline. Do that, and the audit is a formality.
- PlanA realistic annual budget built with departments, not imposed on them — tied to the school's priorities, not last year's copy-paste.
- RecordEvery transaction booked accurately and promptly. Reconciliation is weekly, not annual — surprises live in the gaps between.
- ComplyGST, TDS, PF, trust regulations — tracked on a calendar and filed before the deadline, every time, without exception.
- ReportClear MIS for the board and honest answers for parents. Transparency is cheaper than suspicion, always.
04 · Track record
Eighteen years, ledger to boardroom
Senior Credit Manager, MSME
Large private sector bank, regional credit hub
Underwrite MSME proposals from ₹50 lakh to ₹25 crore, approving about ₹380 crore in sanctions each year across 140 borrowers. Kept gross NPA on the underwritten book below 1.2 percent, against a regional average close to three percent.
3 years
Relationship Manager, Business Banking
Large private sector bank, commercial branch
Managed a portfolio of 85 SME clients with ₹160 crore in loans and ₹95 crore in current account balances. Grew fee income from trade finance and forex products by 40 percent through letters of credit and export packing credit.
2 years
Deputy Manager, Branch Banking
Mid-sized private sector bank
Handled branch operations, cash management and KYC audits, closing all concurrent audit observations within the review month. Sourced 40 small business current accounts from the local market yard, lifting branch float by ₹6 crore.
05 · Credentials
Education
MBA (Banking and Finance)
Private business schoolB.Com (Computers)
State university affiliated college
06 · Qualifications
Certifications
CAIIB, Indian Institute of Banking and…
IIBF Certified Credit Professional
IIBF Certificate in MSME Finance
07 · Honours
Recognised & relied on
9 consecutive clean auditsStatutory & trust, zero findings
2015–GST transition delivered on timeMulti-campus trust, no disruption
2017Fee-leakage eliminatedDigitisation saved lakhs annually
2016Featured — 'Clean Books Are a Daily Habit'On school financial governance
2022
08 · Notes
MAY 2026 FEB 2026 OCT 2025
Notes from the finance office
A school's money is a trust
How thinking of institutional finance as stewardship, not accounting, changes every decision about how funds are handled.
Read →Budgeting with departments
Why budgets imposed from the finance office fail — and how building them with teachers makes the numbers real and honoured.
Read →
09 · From the board
What they say
From the board · 01
Nine clean audits in a row. Our trustees sign the accounts without anxiety because Sneha's books are simply always right.
Trust ChairmanANAND NIKETAN TRUSTFrom the board · 01
He steered us through GST without a single disruption to fees or payroll. Technically excellent and completely trustworthy.
Trustee & Auditor liaisonGOVERNING BODYFrom the board · 01
Salaries have never once been late in the years he's run finance. For a teacher, that quiet reliability means everything.
Senior TeacherSTAFF REPRESENTATIVE
10 · For boards & trusts
The hiring brief
₹ AVAILABLE 2027 · HAND ME THE BOOKS THAT WORRY YOU — I'LL MAKE THEM AUDIT-READY
Current roleSenior Credit Manager, MSME, Large private sector bank…
Open toFinance manager · controller · CFO (education trust)
HandlesBudgets · fees · payroll · compliance · audit
Expected salary₹12–20 LPA / negotiable
Notice period90 days
Willing to relocateYes — Ahmedabad, Mumbai, Pune, Bengaluru · trusts & institutions
Chairman, Anand Niketan TrustCURRENT · SHARED ON REQUEST
Statutory Auditor (partner firm)ON RECORD · SHARED ON REQUEST
11 · Reach me