15 + Years of experience in Financial Reporting & Regulatory Reporting, P&L and B/S, Risk Governance, Stat Audit, Credit Risk & RWA, ICAAP, BASEL-3 Capital Reporting, IFRS9 – Phase-2 Impairment Reporting, Financial Planning & Analysis, Projects Implementation and currently in Governance and Regulatory / Risk Control Reporting
Overview
14
14
years of professional experience
2002
2002
years of post-secondary education
3
3
Certifications
3
3
Languages
Work History
Governance, Risk and Control, Process Manager
First Citizen Bank – SVB
09.2024 - 02.2025
Process Manager – Governance Risk and Compliance (Sep 2024 – Feb 2025)
Governance, Risk and Control – Sr Manager
State Street
01.2022 - 08.2024
Senior Regulatory Manager (GRC - Governance, Risk and Internal Control) Jan 2022 – Aug 2024
Governance and Regulatory Compliance
Develop, Standardize and Implement Risk Control Framework in the Reg Reporting Governance.
Managing Regulatory Reporting Governance for the APAC Regions and presenting the Governance Dashboard before APAC Council.
Consolidate and govern the metrics for Reg Reporting, Issues, present the Summary to various Governance Forums and escalate to Senior Oversight Committee Forums.
Engaging and collaborating with all the Report Owners, Key Stakeholders for the enhancement Reg Reporting Policies (e.g Governance Framework, Accountability Policy, Materiality Policy, Risk Based Methodology, RCSA and Issue Management).
Maintenance of Regional (APAC / US) level Data Repository for all regulatory filings along with KPI, Dashboards.
Governance of Tier 2 and Tier 3 BAU deliverables and ensuring the Implementation of Governance Framework for all APAC region.
Regulatory Reporting
Production of monthly, quarterly dashboards, Risk and Exposure Reports, KPIs Tracking and Governance under the Governance Framework
Review and analysis of HKMA, MAS Regulatory Returns for month and quarter end reporting and constantly eliminating NVAs and inefficiencies by process enhancement drives.
Internal Control, Financial Reporting – Finance Lead
Aditya Birla Group
05.2019 - 01.2022
Team Lead – Finance May 2019 – Jan 2022
Month / Quarter End Reporting and Internal Control
A) Finance Operations – Month End and Quarter Reporting
Closing and Financial Reconciliation (Systems, Banks, GL and Dashboard) Reporting including Internal Financial Controls covering various LOBs and Products under changing complex system architecture.
Measuring, monitoring the KPIs and working with team wrt month end, process improvements, audit assignments and stakeholders’ meetings with Operations, Finance, IT and Auditors.
Performing review of Loan Portfolio reconciliation, controls, GLs & SAP, and Reporting of Operational and Credit risk metrics.
Lead and deliver Projects and managing the activities, adherence to Timeline, controlling & highlighting the deviations to Management as per the Regulatory Recommendations/ Auditors Findings.
Resolving / liaising for all Adhoc queries from various upstream / downstream, Auditors and other stakeholders.
B) Process Excellence & Change Management
Engage and implement python system implementation Automation activities designed on RPA, Power BI on an ongoing basis.
Review and approve SOPs that are updated regularly to reflect improvements and changes in existing process.
C) Internal, Stat Audit and Regulatory Audit, Compliance
Engage for timely commencement and closure of all internal / stat audits as per plan, and resolving issues highlighted by auditors.
Provide requisite data inputs in relation to audit report preparation and implement audit findings in the process, suggestions.
Group Finance – Reg Reporting – Manager
Deutsche Bank Global Services
11.2014 - 02.2019
Manager – Group Finance Nov 2014 – Feb 2019
Group Finance Control - Legal Entity Reporting (Regions – US, Europe)
A) Finance Operations – Month End and Quarter Reporting
Preparing the Consolidation Financial Reporting as per IFRS and risk reporting metrics, Basel Capital Requirement, RWA, Credit Risk Reporting, Capital Demand and Supply, and Impairment.
Finance control and submission of P&L and Balance Sheet for Legal Entity and Group Reporting for other relevant sub-consolidation reports, ICAAP, Common Equity Tier 1 & 2 Capital Requirement
Management Dashboard Reporting including Capital Planning & RWA Analysis different regions Risk reporting with diverse and complex system architecture under BCBS-239 and IFRS-9 Requirement.
Production of Internal MI, RWA and Capital Reporting and Executive Dashboards and Ensuring compliance under finance control framework and support external audit work as and when required.
Group / US SEC submissions Form 20F and 6K Filing for Asset Quality, TDR, Renegotiated Loans Reporting.
Managing Stakeholders expectations relating to reporting at different levels, including IFRS-9 Reporting to Group.
B) Process Excellence & Change Management
Driving the Monthly Operations review calls and other Basel projects with Finance Head and Senior Stakeholders.
Participate in regional finance and business finance control activities, including CRM, Substantiation and metrics KPI.
C) Internal, Stat Audit and Regulatory Audit, Compliance
Attributes mapping and measurement, classification in IFRS Stage 1, 2 and 3 Indicator Analysis
Redesign and improvement of systems and processes, Revision of Data Cluster, Staging of IFRS 9 Indicators, Attributes, ECL, LGD, PD, EAD
Redesigning process relating to Impairment model - Expected Credit Loss, LGD, PD, EAD
Development of Templates of RWAs, Loan Loss Allowance with Key changes Including for Collateral & other products
External Reporting – Assistant Manager
HSBC
01.2011 - 11.2014
Assistant Manager – External Reporting Nov 2014 – Feb 2019
Group Finance Control - Legal Entity Reporting (Regions – US, Europe)
A) HSBC FRANCE, P&L and B/S Reporting
External Reporting
Month-end Reporting processes and procedures, including data analysis, integrity Sanity checks and Financial Summaries.
Fee & Commission Analysis, Impairment & RWA, P & L and BS Analysis and Shareholder Equity Analysis
Maintaining monthly and quarterly report / schedules for PL and BS SLAs in accordance to IFRS & US GAAP requirements
Month-end Reporting processes and procedures, including data analysis, integrity Sanity checks and Financial Summaries.
2. Consolidation Reporting & Analytical Review Schedules and Submission to Group
Supplementary data review and submission for Consolidation of P&L and BS
Gross Loans, Renegotiated Loans and advances to customers by Industry sector and Lease Commitments and Deposits by banks
B) HSBC US (HNAH – HMUS Migration: US GAAP Consolidation & External Reporting)
Preparation of Financial Reports for HSBC – US Legal entities (P/L and B/S), Reports on broker dealer statements.
Engagement in Project – System Implementation and Automation of P/L and B/S in Hyperion.
Education
Bachelor of Commerce -
University of Delhi
Intermediate - undefined
3 Years Advance Diploma - French
Certification
FCMA Cost and Management Accountant, Institute of Cost Accountants of India, 2008-12
Interests
Successfully Led School Cricket Team and Monitored for 5 Years, Watching Business news and Exercise are the prime practices in daily life, Successfully managed the responsibilities in the College as Class Representative
Publications
Written article on following topics in Chartered Secretary (Corporate Journal of Institute of Companies Secretaries of India)
Management Reporting in Current Business Environment – XBRL as Tool (August 2011)
Basel III – Will it ensure financial stability for Banks (March 2013)
Timeline
Governance, Risk and Control, Process Manager
First Citizen Bank – SVB
09.2024 - 02.2025
Governance, Risk and Control – Sr Manager
State Street
01.2022 - 08.2024
Internal Control, Financial Reporting – Finance Lead
<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.
Sr Manager, Cyber and Technology Control Assessment. Risk & Governance- Control Testing at CIBCSr Manager, Cyber and Technology Control Assessment. Risk & Governance- Control Testing at CIBC
Operational Risk Manager: PC Governance & Control, BCM and Business support at ABSAOperational Risk Manager: PC Governance & Control, BCM and Business support at ABSA