● Pushpak Kumar — CA Finalist · Indirect Tax · BDO India
Eight months of Indirect Tax hands-on at BDO India.
Bridging tax, finance, and technology — combining hands-on GST and financial experience with automation, analytics, and purpose-built tools to turn complex workflows and data into faster, smarter decisions.
CA Inter · 1st attemptTop RBI performer · 2024Open to opportunities
At a glance
10+GST matters & hearings
₹900Cr+Client business exposure
10+Client engagements
8+Finance & tax tools built
01
Featured project
Finance × Technology
PUSHPAK PRO · Supply Chain Finance
Supply Chain Finance Command Center
— SCS
I worked on a finance intelligence dashboard inspired by Flipkart’s
supply chain ecosystem, connecting P&L, treasury, cash flow,
working capital, inventory, logistics, procurement and risk into
one decision-making view — analysing how inventory movement,
fulfilment costs, logistics efficiency and working capital impact
overall financial performance.
Working CapitalCash FlowSupply ChainRiskScenario ModellingAI Insights
During my internship at the Reserve Bank of India, I worked with
regional banking data, analysing branch-level accounts, advances,
deposits and banking activity to identify trends, exceptions and
process gaps across the regional banking ecosystem.
I developed a banking intelligence dashboard bringing together
CBS surveillance, credit and loan analysis, NPA monitoring,
KYC/AML checks, transaction analytics, GL-to-CBS reconciliation,
suspense analysis, exception tracking and risk indicators into
one structured regional banking view.
RBI — Internship · Top performerJUN 2024 – NOV 2024 · 6 MO
Macroeconomic research & monetary policy analysis
Reserve Bank of India, Bengaluru Regional Office — evaluated credit facility usage across 50+ banking nodes for regional risk assessment.
Analysed sectoral credit across 50+ banking nodes, identifying a 12% variance in lending patterns that informed regional risk reports to senior economists
Analysed ₹2,000+ crore of advances across 10+ local/PSU banks, tracking sanctioned, disbursed and outstanding amounts and performing advance leakage checks across 1,000+ records
Reconciled 1,000+ advance records with bank reports and prior-period data, identifying mismatches, exceptions and material variances
Tracked CPI/WPI against repo-rate decisions across 6 consecutive MPC cycles; monitored Basel III CRAR, Tier 1 and PCR for scheduled commercial banks
Reviewed CBS and payment-system data and built Excel MIS, Pivot analyses, variance/exception reports and management presentations for senior review
Excel AdvancedRBI DBIEMOSPIFSR ReportsPythonBasel III
Supporting tax litigation and defence for leading businesses across manufacturing, IT/SaaS, retail & FMCG, including large corporate groups with annual turnovers of approximately ₹500 crore to ₹10,000+ crore.
Assisted technical submissions for GST Personal Hearings (ADT-01) — drafting, document compilation and hearing support with the IDT team
Helped prepare SCN reply briefs on alleged ITC mismatches and short payment of tax — structuring legal-technical responses under supervision
Worked Place of Supply rules under the IGST Act and Section 16(4) ITC time limits through live client cases
Worked on complex Indirect Tax assignments for leading industry players across software/technology, SaaS, supply-chain & logistics, mobility/EV and FMCG, serving businesses with annual turnovers ranging from approximately ₹500 crore to ₹10,000+ crore.
Assessed inter-company and cross-border transactions, valuation, ITC, contractual arrangements and business restructuring, and prepared technical memoranda and issue-based tax analyses
Worked on SCNs, ADT-01, ASMT-01 and DRC-07 matters, contributing to assignments that helped reduce potential tax exposure by ₹10+ crore
Supported GST refunds, audits, due diligence and secondment assignments, including export/inverted-duty refunds and Customs SVB, provisional assessment and bond-related matters
GST PortalGSTN LitigationTally ERPInd AS 37Excel Advanced
BDO — Compliance · 10+ clientsDEC 2025 – PRESENT
End-to-end GST compliance
Monthly compliance across manufacturing, IT and retail — GSTR-1, GSTR-3B and GSTR-6 (ISD) filings as part of the IDT team.
Managed GST compliance across 16 states, covering GSTR-1, GSTR-3B and GSTR-6 (ISD), with end-to-end automation using Python, VBA, Power Query and Advanced Excel
Assisted monthly GST compliance for 10+ clients; prepared REG-01 registration filings and tracked departmental deficiency queries
Hands-on GSTR-6 (ISD) exposure for multi-branch entities — ITC distribution across GSTINs
Built Excel compliance trackers using XLOOKUPs and conditional formatting that reduced recurring manual reconciliation work
Excel + Power QueryITC AuditGSTR-1/3BGSTR-6 ISD
BDO — ITC risk · Working papersDEC 2024 – PRESENT
GSTR-2A/2B reconciliation & ITC risk
Invoice-level matching across GSTIN, invoice numbers, dates and tax amounts for multi-crore purchase registers.
Automated reconciliations with Power Query and nested XLOOKUPs across multi-crore purchase registers
Designed a reusable reconciliation template adopted as the team-standard working paper — reconciliation time down 70%
Built GSTR-2B reconciliation, GSTR-1 vs GSTR-3B exception checks, Summary Maker and Credit/Debit Note Mapper tools adopted by multiple team members
Helped identify potential eligible ITC of ₹40–50 lakh through automated reconciliation and exception analysis
Generated vendor follow-up lists flagging ITC at risk of lapsing under Section 16(4)
Excel + XLOOKUPPower QueryGSTR-2BSec 16(4)
BDO — Annual return · AuditDEC 2024 – PRESENT
GSTR-9 annual return & 9C audited reconciliation
Twelve-month cross-verification of reported turnover against books of accounts, across multiple GSTINs.
Conducted month-by-month comparison of reported turnover vs books of accounts — reconciling differences arising from credit notes, debit notes and amendment entries
Supported GSTR-9C (Audited Reconciliation Statement) preparation by cross-checking audited financials against GSTR-3B figures under supervision
Prepared reconciliation workings and supporting schedules for annual return filing across multiple GSTINs
Gained understanding of the tax-financial statement interface — connecting GST adjustments with Ind AS disclosures and tax provisions in financial statements
TallyGSTR-9CInd AS 12Ind AS 37
Tools — Tax Engine v4.2 · NVIDIA × SAPONGOING
GST automation & analytics engine
AI-augmented tax practice — a GPU-accelerated utility layer over SAP S/4HANA spanning reconciliation, litigation risk, predictive compliance and Ind AS impact.
GST Reconciliation Engine — real-time GSTR-2B vs books matching at 99.4% accuracy, <2ms query latency, ₹10Cr+ ITC analysed
Developed an automated GST Litigation Reply Maker for recurring notices and supported Probable/Possible Risk (PPR) assessments for large corporates
Predictive Compliance + Ind AS Interface — GSTR-3B variance forecasts, anomalous HSN flags, auto-drafted ADT-01 briefs, live Ind AS 12 / 37 mapping
Developed an automated GST Litigation Reply Maker for recurring notices and conducted Probable/Possible Risk (PPR) assessments for large corporates
NVIDIA AISAP S/4HANALLMSAP HANA
Tools — Independent · Living to ZeilOCT 2024 – PRESENT
Finance tools & workflow automation
Built, deployed and used in practice — including a content and fintech tools platform selected for the Harvard HCAP programme.
GSTR-2B consolidation script — cleans messy GST portal exports into one workbook, packaged as a standalone .exe for non-technical users at BDO
Browser HRA calculator (Sec 10(13A), all three legal conditions) and a full-rate GST calculator with CGST/SGST/IGST splits
4+ live finance tools plus Excel macro reconciliation templates adopted internally — infinitely reusable
Developed practical automation using Python, VBA, Power Query, Advanced Excel, SQL and Power BI to streamline data processing, reconciliation, validation and reporting
Founded Living to Zeil, combining finance writing, practical calculators and UI-driven tools for professionals; selected for the Harvard HCAP programme
Technical toolkit also includes SQL and Power BI, alongside Python, VBA, Power Query and Advanced Excel for finance and tax automation
Web Development Lead – ICSFA 2023: designed and developed the official website using PHP, HTML & CSS, with responsibility for performance, responsiveness, navigation and accessibility
Pushpak demonstrated strong analytical ability during his work on
macroeconomic research. His work was detailed, data-driven and
presented with impressive clarity.
Senior Research OfficerReserve Bank of India
"FINTECH
He combines financial understanding with the ability to build
practical tools. The dashboard work made complex analytics much
easier to understand and use.
Ananya GuptaFounder · FinSync India
"TAX · CONSULTING
Pushpak has a rare ability to combine design with financial accuracy.
His automation work helped reduce repetitive reporting and made the
workflow significantly more efficient.
CA Rohan MehtaPartner · Mehta & Co.
"EDTECH
He brought a strong design-thinking approach to the platform. Complex
finance concepts became much easier to understand through the
interface he helped shape.
Shruti NairFounder · LearnFi Platform
"ACCOUNTING TECH
Pushpak's understanding of both finance and technology stood out.
His work on backend APIs showed that he can move comfortably between
accounting requirements and technical implementation.
Rahul SharmaCo-Founder · Ledgerly Tech
"TAX · KOLKATA
He brought financial knowledge and attention to detail into both the
website and client-data automation work, creating a much more precise
and efficient experience.