• Leading the Internal Audit Department for a finance company with assets totaling $450 million.• Initiated & implemented comprehensive internal audit policies, processes, and manuals from the ground up. • Authored board-level policies and charters, ensuring robust documentation of business processes.• Crafted strategic long-term and short-term Internal Audit plans. • Efficiently managed the execution of the Annual Internal Audit Plan, ensuring effectiveness and adequacy. • Performed credit risk reviews and asset operations audits, recommending enhanced control measures. • Assessed operational controls to mitigate a spectrum of risks. • Evaluated audit findings, advocated for corrective actions, and fortified internal controls to protect company assets. • Executed Risk-based Internal Audits, analyzing business risks and the sufficiency of existing controls. • Delivered quarterly Internal Audit Reports to the Audit Committee, articulating key insights and recommendations. • Upheld strict adherence to company policies, procedures, and regulatory guidelines.• Assessed and validated the effectiveness of the organization's Risk Management frameworks. • Recruited, developed, and led a high-performing audit team, fostering a culture of continuous improvement. • Partnered with executive leadership and the Audit Committee to align Internal Audit's vision with stakeholder expectations. • Actively participated as a member of the Fraud Investigation Committee. • Developed and evaluated the risk model for IFRS 9 implementation, ensuring financial integrity.

As an Area Collection Manager (Personal Loans & Credit Cards) with Barclays Bank PLC for South Gujarat (since April 09 to Dec 09) (Location – Surat, India)• Spearheaded Personal Loan and credit card collections for South Gujarat• Achieved record-breaking collection figures consistently from the first month of tenure.• Attained the second-lowest Percentage of Flow (POF) in Western India and ranked fifth nationwide.• Orchestrated the empanelment and training of collection agencies to enhance recovery processes.• Maintained a clean record with zero customer escalations in South Gujarat collections.• Managed the restructuring of delinquent accounts across Gujarat from the Surat office, leading to the highest rescheduling numbers in South Gujarat and across India.As a State Credit Head with Barclays Bank PLC for Gujarat (Since April 08 to March09) (Location – Ahmedabad, India)• Spearheaded credit appraisal for Personal and Business Loans across Gujarat • Established a robust credit process, achieving the best Turnaround Time (TAT) and an enhanced approval ratio.• Orchestrated the appointment of key support agencies, including CPV and FCU agencies. • Conducted regular training sessions for Credit Managers, Sales Managers, DSAs, and DSTs to ensure peak performance. • Managed a record disbursement of INR 40 Crores monthly, with logins worth INR 80 Crores. • Achieved a same-day decision rate of 70% for applications, reducing Decision TAT from 5 days to just 1. • Performed in-depth analysis of portfolio performance and provided strategic feedback. • Acted as a vital member of the Risk Management Unit in Mumbai, focusing on Personal & Business Loan rewrites. • Accomplished the second-highest number of loan rewrites in Pan India on the current base. • Coordinated seamlessly with regulatory authorities, including Statutory Auditors, RBI Auditors, and Internal Auditors

• Spearheaded credit appraisal for Personal Loan Plus & Small Business Loans across Gujarat and Rest of Maharashtra, enhancing financial decision-making.• Engineered and implemented a robust credit process for Gujarat & ROM, significantly cutting down Turn Around Time (TAT) and boosting approval rates.• Orchestrated the strategic appointment of key support agencies, including CPV, FCU, and PD, to streamline operations.• Escalated business volume from 1 Crore to 10 Crores within two months, achieving the lowest delinquency rate in the region.• Achieved a remarkable 70% same-day credit decision rate, reducing Decision TAT from 5 days to just 1.• Drove sales operations for Gujarat & ROM for a tenure of 5 months, demonstrating versatile leadership.• Diligently managed irregular assets, ensuring prompt recovery of interest and installments to maintain financial health.

• Responsible for Credit Appraisal of Personal Loans. • Laid down process related best practices which resulted in reduction of TAT and increase in approval ratio and overall business.• Reduced CPA errors and Ops return to < 2% from 21%.• Increased business by more than 3 times with lowest delinquency. • Good Co-ordination with Collection, Operations & RCU team.• Was rated 1 in Hind sighting Score PAN India (Used as Audit Tool).• Regular training of back ends / DSAs / DSTs in relation to Personal Loans Policy resulted into 80% approval ratio.• Was Location Coordinator for SOX Audit & Five S in Baroda & Rajkot.

• Statutory Audits, Tax Audits & Stock Audits of Nationalised Banks, Co-op Societies, Private & limited Companies, proprietary concerns, partnership firms, co-op Societies etc. • Internal Audits of Scheduled & co-op Banks, Private & limited companies. • Functional Consultant with Comsoft Technologies, Pune. • Handling Sales Tax, Professional Tax issues for Proprietary & Partnership firms. • Worked in registration of Partnership Firm, Private Ltd Companies, Co-op Societies, Preparation of Project reports, project funding, attended hearing of Income Tax Scrutiny