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CA Priyanka Mewara
Chartered accountant
mumbai
Summary
Dynamic individual with hands-on experience of more than 6+ in Credit Risk, Risk management and internal audit. Brings strong problem-solving skills and proactive approach to new tasks. Known for adaptability, creativity, and results-oriented mindset. Committed to making meaningful contributions and advancing organizational goals.
Overview
6
6
years of professional experience
Work History
Credit Risk Analyst
Axis Bank
09.2023 - Current
- Identified potential risks by analyzing trends in industry-specific data and market fluctuations.
- Reduced credit risk by implementing comprehensive risk assessment strategies.
- Organized and finalized loan applications for underwriter review.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Assessing, monitoring, and mitigating counterparty risk, and reporting counterparty risk exposure against treasury products, and monitoring breaches.
- Checked appraisals, title information and insurance documents for each property.
- Prepared risk management committee notes and submitted them to seniors on counterparty risk management.
- Internal ratingcompleted for 200+ domestic banks and foreign banks is based on our internal risk model.
- Rich experience and understanding of various treasury products, such as derivatives, forward contracts, spot contracts, swaps, and Noops, etc.
- I have experience implementing and testing these products on the Murex treasury system to manage and monitor counterparty risk. I tested over 150+ products and analyzed the impact on exposure computation.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Optimized credit approval and collection processes, improving operational efficiencies.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Adhered to banking standards and government lending guidelines for loan services.
- Conducted in-depth financial analysis and credit scores to evaluate corporate borrowers'' creditworthiness.
- Monitoring of settlement risk of the bank and coordinating with the treasury for the ratification note in case of a breach.
Operational Risk Manager
Axis Bank
09.2021 - 08.2023
- Played a crucial role in incident response planning, internal control, control testing, and minimizing business disruptions caused by unforeseen events.
- Conducted over 250 processes of control testing, and many CMC and PMC notes were prepared and processed.
- Contributed to continuous improvement initiatives, identifying opportunities for enhancing existing risk management frameworks and tools.
- Develop operational risk policies and standards for risk management.
- Perform operational risk identification and assessment in business units. 250+ risk control matrix analyzed and found to suggest risk mitigation on processes and systems.
- Assist Operational Risk Analysts in the development of key risk and control indicators.
- Coordinate with senior management in performing meeting Operational Risk Management Committees. Track and monitor operating risk issues for business units.
- Report operational risk issues and decisions to senior management on a regular basis.
- Assist in identifying and evaluating risk areas across the operational activities.
- Investigate the root causes of operational risks, and provide support to mitigate them.
Internal Auditor
ICICI Bank
06.2019 - 09.2021
- Worked as a risk management auditor and conducted operational, market and credit risk audit & produced audit reports.
- Documented recommendations to improve internal controls.
- Identified and reported audit issues.
- Performed internal audits of financial and departmental operations, developing risk assessments and conducting process walkthroughs for compliance with documented processes.
- Investigated discrepancies discovered during auditing process.
- Provided valuable insights to management by presenting clear and concise audit findings, contributing to informed decision-making processes.
- Supported management in developing action plans to address
- Returns are to be filed with the RBI, and records are to be maintained along with the committees made, as and when required.
- identified issues arise, promoting the timely resolution of audit findings.
- Reviewed and identified risks, analyzed controls and tested compliance.
Education
Chartered Accountancy -
Institiute of Chartered Accountant of India
04.2001 -
Skills
Risk assessment
Portfolio management
Data interpretation
Loan recommendations
Financial statement review
Compliance assessments
Collateral risk
Credit validations
Internal audit
Software
Murex treasury system
RAM, Icon
Finacle and treasury system
EGRC
Timeline
Credit Risk Analyst
Axis Bank
09.2023 - Current
Operational Risk Manager
Axis Bank
09.2021 - 08.2023
Internal Auditor
ICICI Bank
06.2019 - 09.2021
Chartered Accountancy -
Institiute of Chartered Accountant of India
04.2001 -
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