May 2023 – Oct 2023 · 5 mos · On-site

• Conduct Vigilance Audit & surprise visit in Bank Branches at quarterly intervals. Carry out risk
• assessment to identify potential and present risk to the business and take proactive and practical
• control measures to reduce, minimize and eliminate identified risk. Formulate stress testing & carry
• out stress test on regular basis.
• Identify and mitigate risks, creating risk indicators for operational efficiency and loss prevention.
• Develop, implement, and monitor enterprise-wide risk management policies (credit, operational, and
• market risks). Presenting risk analysis reports & mitigation strategies to the board of directors, CEO,
• and stakeholders.
• Supervise the activities of ALM Cell for the continual implementation of the effective liquidity risk
• management framework and all of its components. Review and approval of the recommendations of
• the ALM Cell before submission to ALCO. Define & review risk appetite framework of the bank.
• Informing and advising senior management on the organization’s financial condition. Working with
• senior management in setting annual financial goals and targets for organization. Monitoring and
• review of finance and treasury policies, procedures and practices in line with Accounting Standards,
• legal requirement and industry best practices.

Mar 2021 – Apr 2023 · 2 yrs 1 mo · On-site

• Lead the annual budgeting exercise of the bank. Work closely with the Vertical Heads to complete
• the task and submit to the Top Management; Develop financial models, trend analysis, investment
• dealing options, and scenarios to support strategic planning.
• To prepare Annual Business Plan for opening branches, Offices and submit the same to RBI after
• approval by the Board within period and take necessary steps to identify the premises for branches,
• acquire the premises and furnish them for opening. Draw Annual Plan for renovation and repair of
• branches and place the same before the Board / Executive Committee for approval.
• Inspect Borrower Credit Rating scoring analysis, monitoring & preparing reports of SMA-0, SMA-1,
• SMA-2 & NPA accounts monthly at regular intervals. To prepare budgets giving targets of deposits,
• loans, profits etc., of branches and clusters on yearly basis and take review of performance on
• ongoing basis.
• Maintain CLR, SLR along with Liquidity of funds, DEAF accounts on a daily basis. Review Monthly
• Financials & submission to BOD & BOM. Identify and manage financial risks using Finacle software.
• Implement robust controls and systems to mitigate financial exposure.
• Scrutinizing of Audit Reports of branches, such as Concurrent Audit, System Audits and ensure the
• compliance thereof. Assist in RBI inspection & ensure smooth sharing of information & timely
• closure of observations in inspection report & risk assessment framework.

Aug 2015 – Feb 2021 · 5 yrs 6 mos · On-site

• Financial Reporting & Analysis: Prepare and manage financial statements, balance sheets, P&L
• statements, and cash flow reports, ensuring compliance with accounting standards.
• Cost Management & Control: Monitor operational costs, identify cost-saving opportunities, and
• implement processes to improve financial performance while maintaining quality.
• Tax & Statutory Compliance: Oversee tax filings, ensure compliance with financial regulations, and
• manage internal and external audits.
• Cash Flow Management: Manage cash flow, ensure timely vendor payments, optimize liquidity, and
• meet operational and growth needs.
• Regulatory Compliance & Risk Management: Ensure compliance with industry-specific regulations
• and mitigate financial risks through effective controls.
• Audit Management: Lead the audit process, coordinate with auditors, and ensure timely and
• accurate resolution of audit findings.

Feb 2011 – Jul 2015 · 4 yrs 5 mos · On-site

• Accounting: Maintain accurate and up-to-date accounting records using accounting software.
• Record financial transactions, including purchases, revenue, receipts, and payments. Reconcile
• accounts payable and accounts receivable. Ensure timely monthly closure and account for
• provisions, prepaid and depreciation.
• Tax Filing: Prepare and file various tax returns, including VAT, TDS, 15CA-CB and Income tax. Stay
• updated on changes in tax laws and regulations to ensure compliance. Coordinate with external tax
• consultants as needed. Oversee tax planning and compliance to optimize tax liabilities and ensure
• adherence to tax laws.
• Accounts Payable: Process vendor invoices age-wise & employee reimbursements promptly and
• accurately. Verify invoices for accuracy and ensure appropriate TDS impacts are considered before
• processing payments.
• Budgeting & Forecasting: Monitor actual performance against budget and provide variance
• analysis. Work with department heads to ensure alignment with budgetary goals. Working closely
• with Business team and ensuring all revenue / cost disputes are resolved, support with operational
• analysis.
• Audit: Prepare schedules for the purpose of statutory and tax audits. Assist in preparation of
• financial statements to finance controller. Co-ordinate with auditors and resolve any discrepancies
• or issues.
• Communication: Liaise with internal teams, vendors, and clients regarding financial matters.
• Respond to inquiries and provide support related to accounting and tax issues. Foster a culture of
• continuous improvement within the finance department.