Deputy Manager – Internal Audit at Muthoot Fincorp Ltd (2021-09 – Present)
- Carried out internal audits for Gold Loan, Forex, DMTS, and AD-I/AD-II transactions under RBI guidelines.
- Monitor KYC compliance and ensure branches rectify deviations within defined timelines.
- Risk-based audits, identify control gaps, and recommend corrective measures.
- Investigate frauds, suspicious transactions, and operational irregularities.
- Prepare monthly audit and risk reports for management.
- Train branch teams on RBI and compliance guidelines.
- Support to IT for process enhancement by recommending control improvements.
- Recover operational/financial losses through audit interventions and follow-up.
Branch Auditor at RBL Finserve (2020-12 – 2021-06)
- Audited MSME (Secured/Unsecured), Micro-LAP, and Affordable Housing Loan verticals.
- Conducted branch credit underwriting audit and customer-site verifications.
- Performed audits on recovery, sweep operations, infra, FCU, and branch accounts.
- Identified control failures and recommended process improvements to reduce risks.
- Discussed audit findings with branch team, team management and finalized branch audit reports.
- Escalated non-compliance issues to regional/zonal heads.
- Handled central audits JLG portfolio for North Zone operations.
Regional Internal Auditor at UNIMONI Financial Services Ltd (2018-07 – 2020-12)
- Handled audits for Gold Loan, Forex, Travel, Mobile Wallet & DMTS products.
- Ensured KYC compliance for all transaction categories as per RBI guidelines.
- Maintained RBI audit compliance reports and guided branches to close deviations.
- Trained branch teams on AML, KYC and RBI guidelines.
- Prepared monthly risk and audit reports for senior management.
- Recommended improvements in controls and internal policies.
Branch Chief Valuer – LAG at Karvy Financial Services (Now SBFC) (2016-07 – 2018-07)
- Conducted gold appraisal, credit assessment, and customer profiling.
- Ensured compliance with credit policy and branch-level operational controls.
- Verified KYC, DPN, ledgers, and due diligence documents.
- Processed loans within required TAT and ensured credit quality.
- Supported internal and external audit for branch compliance.
- Monitored portfolio quality and delinquency control.
Assistant Branch Manager – Gold Loans at Thirumalai Finance & Investments (2013-07 – 2016-02)
- Managed gold loan operations, KYC verification, DPN, due diligence, and ledger checks.
- Handled BRS preparation, branch accounts, MIS, and administrative tasks.
- Designed staff schedules and managed branch workforce.
- Performed account analysis to assess customer risk.
- Ensured regulatory compliance and maintained audit readiness.
Probationary Officer at Manappuram Finance Ltd (2011-03 – 2013-07)
- Handled gold testing, verification, cash management, and customer servicing.
- Conducted KYC compliance checks and transaction monitoring.
- Resolved CDD-related queries and supported branch operations.
- Managed MIS, documentation, email handling, and coordination with regional offices.
