Nov 2021 – Apr 2024 · 2 yrs 5 mos

• Headed Regulatory Compliance, Conduct and Operational Risk for Tide (UK based Fintech)
• Framed regulatory risk strategy in close collaboration with the executives
• Implemented Tide's Global Risk Management Framework for India business by vetting policies and procedures
• Evaluated new products for risk assessment and ensured regulatory, conduct and operational risk is appropriately monitored for new & existing products

Dec 2019 – Nov 2021 · 1 yr 11 mos · Mumbai, Maharashtra, India

• Reviewed product notes and vetted credit policies for housing, non-housing, consumer durables, used cars and small business loans
• Evaluated compliance risk for DHFL merger
• Developed user story with the Tech team for an MVP of digitization of KYC customer journeys in lines with the regulators requirement
• Handled Reserve Bank of India (RBI) supervisory inspection
• Filed monthly, quarterly, half yearly and annual reports to RBI in compliance to RBI reporting guidelines
• Conducted Re-KYC, bi-annual checks, risk categorization of borrowers to comply with RBI Master Directions on KYC and AML
• Coordinated for integration with a screening vendor named world check for automation of KYC and AML screening of customers
• Trained cross functional teams on KYC/AML, Fair Practice Code and other compliances

Feb 2018 – Nov 2019 · 1 yr 9 mos · Mumbai, Maharashtra, India

• Filed application to National Housing Bank (NHB) for refinance
• Developed monthly, quarterly, half yearly and annual reports to RBI in compliance to RBI reporting guidelines
• Achieved name change from Aspire Home Finance Limited to Motilal Oswal Home Finance Limited in a quick turnaround of 3 months
• Coordinated with cross functional teams and auditors for Concurrent, Internal and Statutory Audits
• Filed CTR/STR reports to FIU-India under PMLA Act, 2002
• Handled RBI supervisory inspection for a loan portfolio of $ 603M and drafted responses to RBI queries arising out of the inspection
• Automated compliance reporting and framed compliance calendar for updating of cross functional teams
• Conducted Board, Committee meetings & Annual General Meetings (AGM)
• Ensured compliance to Securities and Exchange Board of India (Issue and Listing of Non-Convertible Securities) Regulations, 2021 for listed Non Convertible Debentures (NCD's)

Oct 2015 – Jan 2018 · 2 yrs 3 mos · Mumbai, Maharashtra, India

• Created Secretarial and Compliance function for start up Housing Finance Company
• Closely worked with the Board of Directors for conducting Board meetings, audit committee meetings and supported on critical decision making
• Obtained registration with centralized repository: NESL, CERSAI, SARFAESI and CKYC
• Drafted Directors Report & Annual Returns for filing at Ministry of Corporate Affairs (MCA)
• Drafted and vetted Loan and other agreements for Housing Finance Business.

Mar 2014 – Jul 2015 · 1 yr 4 mos · Mumbai, Maharashtra, India

• Prepared compliance calendar for complying with the clauses of the listing agreement
• Conducted Secretarial due diligence and audit of 10 Listed companies
• Filed Balance Sheet, Annual Returns and E-Filings of Statutory forms of the Listed companies to Ministry of Corporate Affairs (MCA)
• Liaised with MCA and National Company Law Tribunal (NCLT) for conversion of Public company into Private company