Abhishek Bhagat

Internal Audit and Credit Risk professional with over 10 years of experience in financial services. Skilled in delivering high-quality audits, assessing complex risks and controls, and ensuring regulatory compliance in retail banking and wealth management. Proficient in identifying key drivers of change and emerging risk trends to inform audit focus areas. Experienced in leading audits end-to-end within given timelines and budgets. Adept at communicating audit findings clearly to stakeholders and securing consensus for remediation actions. Strong analytical and critical thinker, able to manage competing priorities and complex challenges to drive positive business outcomes. Committed to promoting a strong risk and conduct culture across teams. Experienced in using data analytics for risk assessment and operational improvements. Open to travel and international assignments.

• JAIIB (Indian Institute of Banking & Finance, IIBF)
• Globally Certified KYC Specialist (GO-AKS)
• Pursuing CFE Certified Fraud Examiner (CFE) from The Association of Certified Fraud Examiners (ACFE)

• Strong advocate for a robust risk and conduct culture
• Enjoys traveling and experiencing diverse professional environments

Yes, open to travel and international assignments.

• Successfully led end-to-end retail asset audits across multiple states, improving risk identification and control effectiveness.
• Reduced non-performing assets by 20% through implementation of enhanced risk assessment protocols.
• Increased customer satisfaction by 25% by introducing personalized credit advisory services.
• Delivered audit reports with clear risk ratings and actionable recommendations, facilitating timely corrective actions.
• Managed high-volume credit portfolios (350+ applications annually) ensuring thorough risk evaluation and compliance.