ANJALI SINHA
Noida
Summary
Seasoned Compliance and Risk professional with 10+ years of experience in the banking industry, specializing in regulatory compliance, branch audits, risk control frameworks, credit risk assessment, and governance. Proven expertise in strengthening internal controls, ensuring regulatory adherence, managing large branch networks, and supporting senior management with actionable compliance insights. Strong background in audit quality assurance, MIS reporting, and cross-functional stakeholder engagement.
Overview
16
16
years of professional experience
Work History
Compliance Specialist
DBS Bank India Limited
03.2022 - Current
- Regularly review company processes, policies, and documentation to ensure alignment with legal, regulatory, and ethical standards
- Design and enhance BHC checklists to improve branch-level compliance, monitoring effectiveness, and control maturity.
- Maintain comprehensive compliance documentation to ensure audit readiness and regulatory traceability.
- Participated in senior leadership meetings, raising concerns on potential violations & recommending measures.
- Review Draft Internal Audit Reports, ensuring testing aligns with regulatory requirements, internal policies, and defined audit standards.
- Conduct independent special audits in fraud-impacted branches and submit detailed reports to support disciplinary and corrective actions.
- Monitor regulatory changes and credit product policies, advising management on required actions to ensure ongoing compliance.
- Perform enterprise and branch-level risk assessments, identify control gaps, and recommend mitigation strategies.
- Lead and mentor a team of 4, overseeing compliance for 200+ branches across Delhi, Mumbai, Hyderabad, and Karur.
- Provided guidance to staff on regulatory obligations, supported workflow quality reviews, and delivered actionable recommendations to improve processes.
- Prepare MIS dashboards, PPTs, and compliance analytics for senior leadership, including MD & CEO presentations.
Credit Specialist
DBS Bank India Limited
06.2017 - 02.2022
- Conducted detailed analysis of financial statements (trend analysis, balance sheet review, expense scrutiny, ratio analysis) to assess financial soundness, risk indicators, and regulatory compliance of clients.
- Reviewed Income Tax Returns (ITR), net worth statements, bank statements, working capital cycles, and credit bureau reports (CIBIL/Experian) to identify financial risks, inconsistencies, and potential red flags.
- Prepared approval and rejection notes for credit proposals, ensuring adherence to internal credit policies, regulatory guidelines, and risk appetite frameworks.
- Assessed creditworthiness of new and existing customers by evaluating financial data, repayment capacity, and risk exposure in line with compliance and risk management standards.
- Coordinated with Legal, Risk, and Credit teams to ensure end-to-end compliance with regulatory requirements and internal control processes.
- Evaluated lending applications and performed credit risk assessments to approve or decline proposals in accordance with approved policies and regulatory norms.
- Implemented standardized evaluation criteria for customer due diligence and credit assessment, contributing to risk mitigation and policy compliance.
- Led comprehensive financial and risk analyses to support informed decision-making while maintaining compliance with internal and external regulatory requirements.
- Assessed stakeholder relationships (customers, suppliers, auditors, bankers, and employees) to understand business integrity, governance practices, and long-term risk implications.
- Conducted physical verification of customer premises and business units to validate operational existence, assess inherent risks, and confirm adequacy and valuation of collateral/security charged to the bank.
- Prepared and presented credit risk exposure, portfolio performance, and compliance reports to senior management to support governance, monitoring, and regulatory reporting.
Branch Manager
DBS Bank India Limited
03.2016 - 05.2017
- Led overall branch operations including retail banking, lending, deposits, customer service, and administrative functions in compliance with bank policies and RBI regulations.
- Ensured strict adherence to regulatory, compliance, AML/KYC, and internal control requirements while maintaining audit-ready branch operations.
- Managed branch profitability by driving CASA growth, cross-selling banking products, and achieving business targets across assets and liabilities.
- Oversaw credit appraisal, loan sanctioning, documentation, and post-disbursement monitoring to control credit risk and asset quality.
- Supervised branch staff performance, conducted training, and fostered a high-performance, customer-centric work culture.
- Monitored operational risks, identified control gaps, and implemented corrective actions to mitigate compliance and operational risk exposure.
- Handled customer escalations, grievance redressal, and service recovery to enhance customer satisfaction and retention.
- Coordinated with Compliance, Risk, Legal, and Audit teams to ensure timely closure of audit observations and regulatory issues.
- Ensured accurate MIS reporting, branch performance analysis, and timely submission of regulatory and internal reports.
- Conducted periodic reviews of branch processes, cash management, and security controls to prevent fraud and operational lapses.
- Represented the branch in interactions with regulators, auditors, local authorities, and key business stakeholders.
- Drove digital banking adoption, process improvements, and operational efficiency across branch activities.
Assistant Manager
DBS Bank India Limited
09.2009 - 02.2016
- Assisted in day-to-day banking operations including account servicing, transaction processing, and customer support in accordance with bank policies and RBI guidelines.
- Supported compliance with AML/KYC norms, customer due diligence, and documentation standards to ensure regulatory adherence.
- Processed loan and credit-related documentation, verified customer information, and coordinated with credit and risk teams for timely approvals.
- Maintained accurate records, registers, and MIS reports to support audits, inspections, and internal reviews.
- Assisted senior officers in monitoring operational risk, identifying process gaps, and implementing corrective controls.
- Handled customer queries, service requests, and issue resolution while maintaining high service quality standards.
- Supported audit and inspection activities by preparing data, responding to observations, and ensuring timely closure of action points.
- Coordinated with internal departments such as Compliance, Operations, Legal, and IT for smooth workflow execution.
- Ensured adherence to internal controls, SOPs, and ethical standards in all branch and back-office activities.
- Assisted in cash operations, reconciliation, and transaction monitoring while ensuring dual control and segregation of duties.
Education
Post Graduate Diploma in Management - International Business & Finance
IITTM
GwaliorJAIIB - International Business & Finance
Indian Institute of Banking & Finance
Lean Six Sigma - Green Belt
KPMG
Skills
- Regulatory Compliance & Governance
- Risk Control Self-Assessment (RCSA)
- Audit Quality Assurance & Liaison
- Compliance Monitoring & Reporting
- Credit Risk Assessment & Appraisal
- KYC / AML Controls
- Internal Controls & Process Reviews
- Team Leadership & Stakeholder Management
● Compliance testing, audits & issue remediation
● ERM & internal control frameworks
● Transaction monitoring & financial crime controls
● MS Office, Power BI & MIS Dashboards
Personal Details
English,
Advanced (C1)
Hindi
Advanced (C1)
Timeline
Compliance Specialist
DBS Bank India Limited
03.2022 - Current
Credit Specialist
DBS Bank India Limited
06.2017 - 02.2022
Branch Manager
DBS Bank India Limited
03.2016 - 05.2017
Assistant Manager
DBS Bank India Limited
09.2009 - 02.2016
Post Graduate Diploma in Management - International Business & Finance
IITTM
JAIIB - International Business & Finance
Indian Institute of Banking & Finance
Lean Six Sigma - Green Belt
KPMG