Baranitharan S

• To Conduct Audit in assigned branches, to identify internal and external risk that affects portfolio of Branches
• To Conduct Pre and Post disbursement Audit based on triggers and suspects generated by system checks and other observations on Branch
• To Raise Risk alert to respective teams for deviations or violations observed on field or branch.
• Enhanced audit quality by implementing risk-based procedures and ensuring adherence to regulatory standards.
• Streamlined internal controls by conducting thorough reviews and recommending effective solutions.
• Collaborated with cross-functional teams to conduct comprehensive audits across various business units.

Achievements:

• Secured “B+” Performance rating at Performance Appraisal on Financial Year 22-23.

• To conduct Collection Audit for identification of deviations in collection procedure and to identify internal and external risk that affects portfolio
• To conduct random borrower audit in field to identify process violations in sourcing and collection process
• To identify Integrity issues, Cash misappropriation, Process violations for quality portfolio management
• To conduct investigation on portfolio of employee involved in Cash misappropriation or Company process violation issue and to finalize action plan for accused involved in issue
• To identify ghost loans by individual customer verification and flag customer to avoid risk of fund diversion on customer side in future.
• To conduct Pre-disbursement and Live disbursement Audit to ensure quality of Business and to identify process violations, KYC related issues, Fund diversion issues, Ringleader or Middleman involvement during sourcing
• To conduct Branch Compliance Audit to assigned branch for observing risk and deviations in documentations, Regulatory records management as per policy

Achievements

• Promoted from FL-3 grade to FL-2 grade Risk Manager on 2nd-November-2021
• Secured 4-star rating during Performance Appraisal of Financial Year 21-22.