Summary
Overview
Work History
Education
Skills
Accomplishments
Affiliations
Timeline
Generic

Harshada Darwatkar

Pune

Summary

Accomplished internal auditor with over 5+ years of experience in financial compliance, risk management, and internal audits. Awarded "Excellence Hero" for identifying critical findings and preventing losses of over Rs 3 crore with previous organizations. Promoted to Deputy Manager within a year. skilled in soft skills, Advanced excel, different software ,PPT presentations with proven expertise with regulatory audits, KYC/AML/RBIA compliances and process improvements

Overview

2026
2026
years of professional experience

Work History

Concurrent Auditor

Bandhan Bank ltd
Pune
12.2023 - Current
  • Processed and analyzed Housing loan and Loan against property (LAP), loan applications,ensuring zero regulatory breaches.
  • Led end to end audit for portfolios across all over Maharashtra
  • Identified critical process gaps through control testing,leading to operational gaps.
  • Initiated Risk Based Internal audit procedures to proactively manage and mitigates financial risk and internal control
  • working in thematic, strategic and snap audit plans focusing on high risk areas to ensure robust risk management and control.
  • Branch visits (on site) ,business visits (off site)to identify potential fraud and critical gaps
  • Finalized internal audit reports with comprehensive findings and actionable recommendations for presentation to the board of directors.
  • Identifying issues to internal control and presenting recommendations for improvements
  • working in RBIA and IFC (internal financial control) as per latest RBI requirement.
  • Working in Oracle, LOS, Audit 360, EBIX, FLEX CUBE, SAP,OMANI docs, LMS, ZIVA,finacle, Sales force.
  • conducted 100+ property visit and business verification's to identifying frauds and internal gaps
  • Produce clear,concise,neat,accurate work papers in audit Board in timely way.
  • Track issue status and work closely wit management to ensure timely remediation of issues. reviews implemented management action plans with directors.
  • Preparing audit finding and recommendations with root cause identified for discussion with management.
  • Working branch banking and SEL new areas of the banks.

Internal audit and compliance

Shriram housing finance
pune
04.2019 - 12.2023
  • Managing single handed state level i.e. Maharashtra internal audit with managing team of CA vendors.
  • Verifying the files if any fabricated documents are document
  • Verifying either all the loans meet the operational standards as per the company norms
  • reviewing the systems established by management to ensure compliance with those policies, plans,procedures, laws and regulations which could have a significant impact on operations and determining either company is in compliance
  • co-ordinate with external auditors and provide oversight of other control and monitoring functions e.g security legal etc
  • reviewing operations or programmes to ascertain whether results are consistent with established objectives and goals and whether the operations or programs are being carried out as planned.
  • Discussing the observations with concerned officials and finalizing the audit report
  • Site visit and branch visits in regular basis
  • Working in audit 360 software.
  • Making PPT on audit findings, preparing key audit findings for ACE preparation.

Business Analyst

Shriram Housing finance
Mumbai
  • Ensure process enabling MIS and analysis in order to help business achieve targets.
  • Publishing meaningful MIS and analysis as agreed with stake holders
  • Reconciling the PF account
  • Highlighting the extra pending credits to PAN India branches
  • Preparing analysis on data and highlight process gaps if any these take holder.
  • MIS automation through IT to eliminate error,saving human hours
  • Highlighting of a key matrices, conversion ratio
  • TAT MIS preparation
  • Legal and technical analysis , making various dashboards
  • Managed expenses documentation, including commercial invoices,ensuring 100% compliance .
  • Handled forex inward documentation and tally ERP 9 for financial records, treasury reports to increasing accuracy in financial reports
  • Generated daily, monthly MIS, reconciliation statement.

Education

PGPFS - Finance And Accounting

ITM Skills University
Navi Mumbai KHARGHAR
03-2019

BBA - Finance

M.E.S. Garware College of Commerce
Pune
04-2017

HSC - Commerce

M.E.S. Garware College of Commerce
Pune
03-2014

SSC -

SSC
N.M.V. Girls Highschool
03-2012

Skills

  • Financial analysis
  • Risk management
  • Internal auditing
  • Data visualization
  • Regulatory compliance
  • Process improvement
  • Audit report , analytical skills, Financial audits, Financial accounting,Microsoft excel
  • Loan management (Processing, AML,KYC, Underwriting,testing,RBIA,NPA analysis
  • Banking software and financial tools (Advanced Excel, Finacle, Finacle,Ebix,LMS,LOS,ZIVA,SAP, TALLY ERP-9,CHAT-GPT,Co-pilot
  • Soft skills-(Analytical thinking, team collaboration, team handling, process improvement, customer relationship management

Accomplishments

  • IAD appreciation of finding Key audit findings.
  • Within 6 months, the audit department was rewarded as the excellence hero of the department
  • Promoted as a deputy manager within a year.
  • Soft skills certificate from Tech Mahindra
  • State-level winner in softball competition
  • Educational scholarship by Ideal Scholarship
  • Best actress award in international theatre feasta

Affiliations

  • Wipro and Infosys ratio analysis project, various technical projects, lending, and organizing intercollegiate competitions
  • Regularly conducting a blood donation program in Pune
  • Working in NGO "Love Care Share" .
  • Attended NHB outreached program twice on behalf of organization leader

Timeline

Concurrent Auditor

Bandhan Bank ltd
12.2023 - Current

Internal audit and compliance

Shriram housing finance
04.2019 - 12.2023

Business Analyst

Shriram Housing finance

PGPFS - Finance And Accounting

ITM Skills University

BBA - Finance

M.E.S. Garware College of Commerce

HSC - Commerce

M.E.S. Garware College of Commerce

SSC -

SSC

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