Summary
Overview
Work History
Education
Skills
Certification
CORE COMPETENCIES
Timeline
Generic

NANCY SINGH

Ghaziabad

Summary

Results-oriented Finance & Audit professional with over 5 years of experience. Proficient in Credit Processing Platforms: COLORS, I-COS, GEMS. Expertise in planning & analysis, internal/regulatory reporting, cost-saving, profitability, and productivity improvements. Skilled in preparing and reviewing Credit & Audit Reports; effectively communicating observations to Credit/Policy/Business Teams. Active engagement with credit/business teams for information collection, issue resolution, and recommending improvements. Adept at presenting accurate and fair audit reports to stakeholders. Proven team-building and leadership skills with a focus on motivating and empowering team members.

Overview

13
13
years of professional experience
1
1
Certification

Work History

Senior Manager – Process Risk and Audit

ICICI BANK
Noida
08.2019 - Current
  • Lead auditing and process risk management for Business Loan Group (BLG), Rural Business Credit (RBC), and Credit Cards across North India Zone.
  • Assessing alignment of credit operations implemented in the field with the existing credit policy and procedures.
  • Verify accuracy and consistency of loan files with internal credit policies.
  • Develop and implement compliance plans and improve operational systems, processes, and policies.
  • Conduct systematic document and process examinations to ensure validity and conformance.
  • Improve operational systems, processes, and policies to enhance management reporting and business processes.
  • Assess and monitor customer risk, verify identities through KYC, and identify process deviations and fraud triggers.
  • To measure the level of deviation from risk approved & accepted criteria, process deviation and fraud triggers/pattern.
  • Review disbursements for accuracy and compliance.
  • Provide feedback to credit and policy teams on critical observations, highlighting compliance gaps and recommending improvements.
  • Conduct training and on-site visits to ensure compliance with established processes.
  • Re-underwriting of credit decisioned cases and highlighting the observations to Credit/Business Team through periodic reporting.
  • Analyse credibility of property offered as collateral by reviewing TSR and valuation reports.
  • Manage UAT testing of ICOS to verify system logic and rule engines, suggesting necessary policy changes.
  • Projects: System automation – PSL tagging (specially for CGTMSE cases), System clean ups – Identified data extraction points for IT team, addressing parameters like RFA tagging, overfunding, wrong level signing, high tenures limit sanctioning.

Article Assistant

Sandeep Vaish & Associates
Moradabad
04.2012 - 03.2015
  • Verified and scrutinized books of accounts for conformity with accounting standards.
  • Conducted tax audits under Income Tax Act, 1961; prepared tax audit reports.
  • Prepared project reports and CMA data.
  • Evaluated and recommended improvements to clients' internal control procedures.
  • Performed audit reviews and ensured timely completion.

Education

Chartered Accountant (CA) -

Institute of Chartered Accountants of India (ICAI)
India
11.2018

Master of Commerce (M. Com) -

Mahatma Jyotiba Phule Rohilkhand University
India
01.2013

Bachelor of Commerce (B. Com) -

Mahatma Jyotiba Phule Rohilkhand University
India
01.2011

Skills

  • Proficient in MS Office packages: MS Excel, MS Word, and MS Power Point
  • Accounting and ERP packages (Tally ERP) Adaptable to other accounting software
  • Undergone 100 hours of IT training as prescribed by The Institute of Chartered Accountants of India
  • COLORS, I-COS, GEMS

Certification

  • UK regulatory structure and compliance standards
  • Data protection-UK
  • Foundation course in Anti Money Laundering and KYC-India
  • Risk Management

CORE COMPETENCIES

  • Credit Audit
  • Process and Risk Audit
  • Audit Management Tools
  • Credit Quality Control
  • Report Preparation
  • Portfolio Monitoring
  • User Acceptance Testing UAT
  • Compliance and Controls
  • Team Coordination
  • Bureau Reports Evaluation
  • Policy & Process Review
  • Liaison & Coordination (Credit & Business)

Timeline

Senior Manager – Process Risk and Audit

ICICI BANK
08.2019 - Current

Article Assistant

Sandeep Vaish & Associates
04.2012 - 03.2015

Chartered Accountant (CA) -

Institute of Chartered Accountants of India (ICAI)

Master of Commerce (M. Com) -

Mahatma Jyotiba Phule Rohilkhand University

Bachelor of Commerce (B. Com) -

Mahatma Jyotiba Phule Rohilkhand University

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NANCY SINGH