Senior Manager – Corporate Compliance Audit - Svatantra Microfin Limited
(2024-10)
- Designed and executed risk-based compliance monitoring and audit plans covering 12+ functional departments covering areas such as ALM, DA, Co-lending, NPA etc.
- Performed compliance testing and compliance gap testing analysis between policies, regulatory directions and implementation across departments.
- Drove process improvement from manual data entry to Aadhaar e-KYC via UIDAI API integration, reducing onboarding risk and improving regulatory adherence.
- Led end-to-end compliance assessments to evaluate adherence to RBI regulations, company policies, and internal control frameworks; identified regulatory gaps and recommended corrective action plans.
- Drafted detailed compliance reports and monitored remediation of regulatory observations; regulatory change monitoring, collaborated with department heads and relevant stakeholders to implement corrective action plans within agreed timelines.
- Drafted, reviewed, and implemented internal compliance policies and operational manuals; submitted for Board approval and rolled out organisation-wide compliance training and awareness programmes.
- Prepared quarterly Board-level compliance packs covering regulatory compliance status, open observations, and risk governance updates for senior leadership review.
- Served as SPOC for RBI supervisory inspection/ regulatory audits, regulatory affairs, statutory audits, ITGRC, Migration audit and IS audit; coordinated regulatory responses, managed information requests, and liaised across departments to ensure timely compliance submissions.
- Prepared and presented Audit and compliance reports at Pre-Audit committee/ Board meetings.
Manager – Functional Audit - Muthoot Fincorp Private Limited
(2022-04 - 2024-09)
- Implemented risk-based audit framework for both branch and functional audits across PAN India operations.
- Conducted compliance audit of muthoot one digital lending app/ mobile application.
- Designed and rolled out centralized audit of UCIC and expense verification, including process note preparation; BRS audit verification initiatives in progress.
- Conducted functional audits across departments including Marketing, Gold Inspection, Grievance Redressal mechanism and POSH.
- Analyzed regulatory constraints for new project implementations including FD sourcing, UCIC, cash limit for loan disbursement, and outsourcing of financial services.
- Prepared monthly PAN India audit and fraud detection MIS reports for senior management.
- Developed and implemented trigger-based audit system for early detection of fraud and serious irregularities.
- Verified fraud reports submitted by field auditors and filed FMR RBI returns.
- Led and managed a team of 17 auditors covering the Kerala North region
Deputy Manager – Home Loans - ICICI Bank
(2021-04 - 2022-03)
- Performed financial analysis of borrowers and business verification for credit appraisal.
- Sanctioned and disbursed loans up to Rs. 30 lakhs.
- Training and coaching Counselors and DSAs on new products and processes.
Senior Manager – Compliance - Manappuram Finance Limited
(2020-01 - 2021-04)
- Executed compliance framework inspections across branches; monitored compliance status of subsidiaries and group companies against RBI regulations and internal policy requirements.
- Preparation of Annual compliance risk assessment and action plan and put up the same to management for approval.
- Ensure supervisory relationships are built with regulators and proper negotiations on regulatory findings.
- Automated regulatory reporting alerts to stakeholders based on RBI specified timelines.
- Scrutinised and validated data accuracy of moratorium data prior to submission to RBI.
- Verified RBI website on a daily basis and circulated synopsis and circulars to Head office and branches after approval from CCO.
Articled Assistant - Sankar and Moorthy Chartered Accountants
(2014-06 - 2017-06)
- Conducted internal audits of hospitals and prepared and finalized financial statements within tight deadlines.
- Performed tax audits and prepared provisional and projected financial statements for clients.
