Anand Kumar

An Internal Auditor in NBFC with multi-state audit Experience across Telangana, Gujarat, and Tamil Nadu. Strong exposure to branch audits, financial discrepancies, fraud detection, AML risk indicators, and compliance reporting. Proven ability to identify high-value irregularities, strengthen internal controls, and support senior management through actionable audit findings.

Internal Auditor – Senior Executive - Muthoot FinCorp Ltd. - Telangana, Gujarat, Tamil Nadu

(2025-04)

• Conducted 80+ branch-level internal audits across Telangana, Gujarat, and TamilNadu, ensuring compliance with internal policies, SOPs, and regulatory requirements.
• Identified a critical SBI-linked banking discrepancy at the MFL Chennur branch involving pledge transactions worth INR 30,00,000 through detailed account investigation.
• Executed Handing Over Taking Over (HOTO) audits to ensure asset verification, accountability, and continuity of branch operations.
• Identified and escalated Bank Reconciliation Statement discrepancies caused by system irregularities for timely corrective action.
• Identified and flagged early AML triggers through transaction pattern analysis, including irregular customer lending patterns and the repeated pledging of the same ornaments under different customer names.
• Detected fraudulent/misrepresented CIBIL reports and fake pledge cards used for balance transfer loans.
• Imposed penalties of INR 30,000–40,000 due to irregularities in BRS, delayed balance transfers in the ledger, and discrepancies identified in the accounts.
• Identified cases where staff members pledged their own ornaments using multiple customer loyalty accounts.
• Prepared detailed audit reports, risk observations, and compliance recommendations for management review.

Master of Business Administration (MBA) - Finance - Vidya Jyothi Institute of Technology (2023-09 - 2025-10)

Bachelor of Science (B.Sc.) - Siddhartha Degree College (2020 - 2023)