Experience

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  Jana Small Finance Bank

  • Bengaluru, Karnataka, India

  • Chief Internal Auditor

    • Sep 2019 - Present
    • Bengaluru, Karnataka, India

    • Implement the framework of risk based audit to be adopted and conduct annual risk assessment of audit universe.• Formulate the Annual Audit Calendar for qualitative execution of Branch, Central Processing Centres, Credit Audit, IS /IT function and Head Office departments audits.• Handle RBI Annual Financial Inspection of the Bank and ensure that issues are tracked for closure and sustenance of compliance• Review of Standard Audit Procedure to be implemented for audits in various audit verticals• Implemented in –house Audit Analytics and Offsite monitoring vertical in Internal Audit for generation and monitoring of exception reports.• Responsible for keeping the Audit Policy up to date in light of key regulatory changes.• Present quarterly and annual updates to the Audit Committee of the Board on the key issues and audit updates

• 

  HDFC Bank

  • Delhi, India

  • Regional Audit / Compliance / Vigilance Head

    • Feb 1998 - Nov 2017
    • Delhi, India

    • Daily concurrent audit of Central Processing Unit at Gurgaon and in turn reporting to Audit Head - Mumbai.• Daily concurrent audit of Admin and Finance functions.• Quarterly audit of Credit Management, Corporate operations, and Clearing functions.• Quarterly audit of trade finance functions, Cash Management ( Delhi operations) • Quarterly audit of all retail branches (1300 branches) in the region.• Half -yearly review of Information technology at Mumbai.• Yearly audit on efficiency and service quality of branches and CPU.• Interacting with Ombudsman for Bank cases • Daily monitoring of suspense accounts and overdrawn accounts.• Co-ordination with Reserve Bank of India Inspectors on every inspection.• Co-ordination and reporting with Statutory Auditors of the bank.• Taking care of various types of investigations with necessary regulatory reporting• Liasioning with Regulators, Investigating agencies, such as RBI, SEBI, CBI, ED, MOF etc. • Advising the Regional business manager and the branches in case of any clarification on banking and legal matters.• Imparting training to the staff members in case of any specific issue. • Manage Staff productivity and to ensure that the cost per employee is maintained in line with the business objective.

• 

  CORPORATION BANK

  • Delhi, India

  • Manager

    • Oct 1983 - Jan 1998
    • Delhi, India

    Worked as Deputy Manager for 5 1/2 years at Delhi in the Bank’s biggest branch having an average total business of Rs.150 crores. During this period, I computerized 3 branches in Delhi with ALPM’s and subsequently thereafter selected for the Computer Cell (EDP) in the year 1992.Worked as Chief Executive for CMD /Executive Director/ GM at the Head Office at Mangalore for about 2 years. At the Secretariat, I handled all types of correspondence with RBI, Ministry of Finance and the Board of Directors. Also coordinated Board Meetings.Worked at the Regional Office, Delhi (Computer Cell) looking after payroll, and weekly and monthly reports from the branches within our region. Managed total branch computerization in the Delhi Region with effect from Nov. 93. Was a member in the Core Team, which had developed the Banking Software for our Total Branch Automation (TBA). The Project of TBA was started in 1993 and the plan was to computerize 60 branches. This was successfully done in 36 months. Responsibilities included administration of the Computer requirements for the branches. Team under me managed and maintained more than 600 computer equipments and also set up 9 VSAT centers in the Northern Region