Amlesh Vikram Singh
Bhadohi
Summary
Detail-oriented and proactive Risk & Compliance Professional with hands-on experience in operational risk assessment, fraud investigation, transaction monitoring, and internal control implementation within the microfinance and banking sector. Currently working as a Zonal Risk Officer with Utkarsh Small Finance Bank, with a proven track record of conducting high-impact branch audits across multiple zones, identifying system-level gaps, and leading fraud investigations in collaboration with Vigilance teams. Adept at data analysis, compliance checks, and reporting, with a strong understanding of regulatory frameworks and field-level operations. Known for maintaining integrity, critical thinking, and delivering actionable insights that enhance governance and reduce organizational risk exposure.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Zonal Risk Officer
Utkarsh small finance bank
Ranchi
06.2022 - Current
- Assisted in the development of crisis management plans in order to effectively respond to any unforeseen events that may arise.
- Provided guidance on best practices for risk mitigation and implementation.
- Produced detailed reports outlining current levels of risk exposure across all areas of the organization.
- Maintained up-to-date records of all risk management activities including incident reports, corrective actions taken.
- Provided training to staff members on proper procedures for identifying, assessing and mitigating risks.
- Monitored compliance with internal controls and regulatory requirements relating to risk management activities.
- Implemented effective communication protocols between departments regarding changes in policies or procedures that could affect overall risk levels.
- Collaborated with other departments to ensure that all areas of risk were addressed in a timely manner.
- Reviewed existing policies and procedures related to risk management and recommended changes where necessary.
- Conducted risk assessments to identify and evaluate potential threats to the organization's operations, personnel, assets and reputation.
- Performed statistical analyses to identify trends, variations, patterns and insights.
- Used Excel pivot tables, charts and reports to break down and analyze information.
- Conducted investigations and took appropriate actions to resolve concerns.
Mudra Loan Consultant
Learnet Skill Limited
Bhadohi
01.2016 - 06.2022
- Worked under the Pradhan Mantri Mudra Yojana (PMMY) to facilitate micro-financing support for skilled youth.
- Identified eligible candidates from various government-recognized skill training institutes for Mudra loan support.
- Educated candidates about the Mudra loan process including eligibility, loan limits (Shishu, Kishore, Tarun), and repayment terms.
- Assisted candidates in preparing and submitting complete loan applications with necessary documentation.
- Coordinated with local banks and financial institutions to ensure smooth processing and disbursement of loans.
- Provided handholding support during and after the loan application to increase approval rates.
- Conducted post-disbursement follow-ups to verify proper utilization of funds as per business plans.
- Maintained regular documentation, loan tracking records, and MIS reports for government review and compliance.
Education
Bachelor of Arts - Economics & Geography
Rajju Bhaiya Allahabad State University
Prayagraj 01-2019
Skills
- Risk Assessment & Control Implementation
- Transaction Monitoring & Data Analysis
- Fraud Detection & Investigation
- Cross-Functional Coordination (Vigilance, Audit, Operations)
- Internal Control Strengthening & Governance Improvement
- Problem Solving & Decision Making
- Field Investigation & Root Cause Analysis
- Critical Thinking & Analytical Reasoning
- Time Management & Multi-Zone Handling
Languages
Hindi
First Language
English
Beginner
A1
Certification
- Successfully completed a Customized Virtual Training Program on "Operational Risk Management" for Compliance & Risk Officers, conducted by the Indian Institute of Banking & Finance (IIBF) in association with Utkarsh Small Finance Bank Ltd., held from 17th to 18th December 2024.
Timeline
Zonal Risk Officer
Utkarsh small finance bank
06.2022 - Current
Mudra Loan Consultant
Learnet Skill Limited
01.2016 - 06.2022
Bachelor of Arts - Economics & Geography
Rajju Bhaiya Allahabad State University