Mukeshbhai Khristi
Zonal Audit Lead & State Risk Manager
B-202, Siddharth Samanvay, Behind Siddharth Elegance, Navi Ashapuri, Vadodara
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
14
14
years of professional experience
2
2
years of post-secondary education
Work History
State Risk Manager
Unity Small Finance Bank Ltd
6 2023 - 3 2024
- Taking care of Gujarat and Maharashtra state as State risk manager
- Planing monthly visits schedule at the Branch for CRMs (Cluster Risk Manager)
- Reviewing EWS (Early Warning Single) data to identify high risk branches and discussion with CRMs for visits and schedule
- Monthly consolidated data of CRMs Reviewing & discuss
- Surprise visit at the branch
- Follow-up with business & coordinate with grievance team to closure of customer complaints
- Attending monthly business review meeting to discuss risk team output & open audit compliance
- Follow-up with business to get closer response and evidence against critical /Major observations raised against branches by audit team
- Discuss critical /Major issues and action recommendation upon, along with RM & SH prior to attending staff disciplinary committee meeting every month
- Taken care for required manpower (CRMs & RRMs) against budgeted staff
- Preparing and presenting of quarterly metrics by referring monthly consolidated data
- Monthly & quarterly review meeting with HOD
Zonal Audit Lead
RBL Finserve Ltd.
07.2022 - 06.2023
- Lead JLG audits in region
- Lead special audits of High risk branches in region
- Lead concurrent audits in region
- Lead Regional office audit
- To ensure audit conclusion with auditee in region
- Reports review & finalizing
- To ensure reports circulation to auditee within TAT
- Completion of Audits within TAT for self and the region
- Identification of Fraud
- Process/Product level Recommendations based on audit outcome.
- Adherence to Audit Code of Ethics
- Process recommendation for improvement in Audit methodology
- Monthly audit discussion with stakeholders
- Audit compliance closer within TAT in region
Regional Audit Manager
RBL Finserve Ltd
06.2020 - 06.2022
- Lead JLG & MSME audits in region
- Lead special audits of High risk branches in region
- Lead concurrent audits in region
- Lead Regional office audit
- To ensure audit conclusion with auditee in region
- Reports review & finalizing
- To ensure reports circulation to auditee within TAT
- Completion of Audits within TAT for self and the region
- Identification of Fraud
- Fraud Investigation
- Process/Product level Recommendations based on audit outcome.
- Adherence to Audit Code of Ethics
- Process recommendation for improvement in Audit methodology
- Monthly audit discussion with stakeholders
- Audit compliance closer within TAT in region
Assistant Manager-Internal Audit
Swadhaar Finserve Pvt. Ltd
01.2018 - 05.2020
- Completion of Audits within TAT for self and the region
- Identification of Fraud
- Fraud Investigations
- Travel Cost for the region
- Audit Effectiveness
- Process/Product level Recommendations based on audit outcome
- Adherence to Audit Code of Ethics
- Process recommendation for improvement in Audit methodology
- Compliance to Monthly Deliverables
- Initiatives and additional responsibilities taken
- On the job training for the new joinees and team
- Reports review and finalization
- Audit compliance review and closer
Team Leader-Internal Audit
Swadhaar Finserve Pvt. Ltd
04.2017 - 12.2017
- Completion of Audits within TAT for self and the region
- Identification of Fraud
- Fraud Investigations
- Travel Cost for the region
- Audit Effectiveness
- Process/Product level Recommendations based on audit outcome
- Adherence to Audit Code of Ethics
- Process recommendation for improvement in Audit methodology
- Compliance to Monthly Deliverables
- Initiatives and additional responsibilities taken
- On the job training for the new joinees and team
Field Auditor/Internal Audit Executive
Swadhaar Finserve Pvt. Ltd.
07.2011 - 03.2017
- Identified control gaps in processes, procedures and systems through in-depth research and assessment and suggested methods for improvement.
- Analyzed data and findings to prepare reports detailing information.
- Interviewed auditees to gather data needed to conduct audits.
Group Loan Officer
Swadhaar Finserve Pvt. Ltd.
08.2009 - 06.2011
- Village/ Business Area Survey.
- Promotion Meeting.
- Compulsory Group Training
- Collections
- Loan Utilization Check
Education
SSC
GSEB 03.2005 - 03.2005
HSC
GSEB 03.2007 - 03.2007
M S OFFICE
AISECT COMPUTER CENTER 05.2007 - 11.2007
COMUTER HARDWARE & NETWORKING
XAVIER TECHNICAL INSTITUTE SEVASI VADODARA 07.2008 - 03.2009
S.A.I.T (SECRETARIAL ASSISTANCE IN INFORMATION TEC
XAVIER TECHNICAL INSTITUTE SEVASI VADODARA 07.2008 - 03.2009
Bachelor of Arts -
Dr. CV Raman University
Kota, Chhattisgarh, India 04.2001 -
Skills
Audit preparation and reporting
Staff leadership and supervision
Team leadership skill
Risk analysis
Data Analysis
Root Cause Analysis
Risk mitigation strategies
Audit Coordination
Stakeholder Communication
Timeline
Zonal Audit Lead
RBL Finserve Ltd.
07.2022 - 06.2023
Regional Audit Manager
RBL Finserve Ltd
06.2020 - 06.2022
Assistant Manager-Internal Audit
Swadhaar Finserve Pvt. Ltd
01.2018 - 05.2020
Team Leader-Internal Audit
Swadhaar Finserve Pvt. Ltd
04.2017 - 12.2017
Field Auditor/Internal Audit Executive
Swadhaar Finserve Pvt. Ltd.
07.2011 - 03.2017
Group Loan Officer
Swadhaar Finserve Pvt. Ltd.
08.2009 - 06.2011
COMUTER HARDWARE & NETWORKING
07.2008 - 03.2009
S.A.I.T (SECRETARIAL ASSISTANCE IN INFORMATION TEC
07.2008 - 03.2009
M S OFFICE
05.2007 - 11.2007
HSC
03.2007 - 03.2007
SSC
03.2005 - 03.2005
Bachelor of Arts -
Dr. CV Raman University
04.2001 -
State Risk Manager
Unity Small Finance Bank Ltd
6 2023 - 3 2024
Similar Profiles
DEEPAK LAXMAN NARASIMHADEEPAK LAXMAN NARASIMHA
Senior Manager at UNITY SMALL FINANCE BANK LTDSenior Manager at UNITY SMALL FINANCE BANK LTD
Aashish JainAashish Jain
Head -Strategic Alliance & Partnerships at Unity Small Finance BankHead -Strategic Alliance & Partnerships at Unity Small Finance Bank
SANJAY DALVISANJAY DALVI
Cluster Head at Unity Small Finance BankCluster Head at Unity Small Finance Bank