Handling MP, CG , UP , Bihar and Telangana state JLG and IL branches audit activities , purely focusing on risk based internal audit and data science.

Handled 4 states (Madhya Pradesh , CG , RJ & HR )96+ branches field & branch audit with team of 18+ strong field auditors , handling all the audit activities from schedule preparation to compliance, fraud investigation, risk based internal audit etc.

Handled Madhya Pradesh, Rajasthan , UP , CG & Bihar, 95+ branches (JLG and IL branches) field & branch audit with a strong team of 18 field auditors.

Ensuring adequate internal controls are in place and is working effectively.Reporting about the maintenance of accuracy of accounts in the branches.Highlighting major issues then and there to HO.Motivating and managing team to get the best work from them.Compile and submit reports within the TAT.Setting up the process and systems of internal audit.Ensuing quality of member enrolment.Managing and guiding the team of audit executives to ensure they effectively cover the center meetings and highlight the problems then and there.Attending the GRT conducted by the branches and ensure process are followed.Verification of all KYC and loan documents sanctioned.Verification of High mark reports and reporting on deviations for each loan disbursed during the quarter.Verification of loan disbursement registers (LDR).Complete vouching of branch accounts, reconciliation of branch books with HO control accounts.Ensuring death claims are settled in time and claim documents like death certificate is obtained in time.Sorting out the not Available Pass Book list and prepared a consolidation of the same.Ensuring zero misappropriation by staff by setting up adequate controls and vigil. Also needs to report any such cases immediately to the Head of Audit.Carrying out physical verification of fixed assets of branch and also give comments on the house keeping in the branch.Carrying out independent center visits assigned by HO.Collecting the suggestions from the Branch Staff and suggesting opinions about the branch functioning and staff performance.Ensuring the maintenance and updating of audit working papers file in the branch to enable the subsequent rectifications.After considering the above all, must rate the branch/centers/staffs as per the specified norms in the reports.

Manage audits independently and perform audits end to end .Understand systems and processes to identify risks.Benchmark existing systems and controls with industry best standards .Maintain and update appropriate audit work papers. Investigate opportunities for cost savings or process improvements .Supervise the quality of testing and suggest improvements . Prepare audit report for review by the superiors .Provide regular updates to manager. Communicate test results verbally and in writing to members of senior management .Follow up timely on remediation items and Manage multiple priorities

-Advise customers on various financial products and interview loan applicants-Direct regular team/staff meetings-Ensure a high level of customer service is being adhered to at all times-Meet with customers and resolve any problems or complaints-Monitor sales targets.-Oversee operational functions of the branch and provide solutions to any issues.-Plan and implement business plans and manage business records and financial statements-Promote and market the institution and its products.-Provide mentorship, training and direction to staff

- Manage branch operations including marketing/sales efforts, business analysis, client screening, loan disbursements, payment collection etc.- Control the level of efficiency and accuracy in all back office operations- Manage branch level administrative department to support operations and maximum customer satisfaction.- Responsible of branch PAR and control the OD numbers.- Daily monitoring of MIS and done field visits.

Work to Detect any fraud or misappropriation irrespective of its size, magnitude other staff involved in itWork to detect any malpractice, collusion or action on part of employees that is against the organizational policies/culture or can bring disrepute to the institutionTo see if operational policies/processes are being adhered to all levels and to detect deviationsTo check unethical staff behavior and to get a sense of organizational image as perceived by clientsTo check the accuracy of reports, MIS and Accounting, accuracy of records maintained through verification against evidences such as receipts, including records maintained at client level in the form of passbookTo provide feedback/opinion related to operational risks such as staff dissatisfaction, competition inappropriate policies or areas of potential conflict