POOJA TRIPATHI
Lucknow
Summary
Experienced Internal Auditor with 2.5 years of expertise in risk and compliance audits, audit plan development, and internal control procedure implementation. Demonstrated success in identifying process improvements and cost-saving opportunities. Proficient in conducting financial, operational, and compliance audits in strict compliance with regulatory policies. Dedicated professional committed to ensuring organizational integrity and efficiency through meticulous auditing practices.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Assistant Audit Manager
Utkarsh Small Finance Bank
01.2023 - Current
- Centralize Payment Audit ( July 2023- January 2024)
- Analyzed internal controls to preserve integrity in financial processes.
- Evaluated adherence to banking regulations through targeted risk audits, strengthening compliance measures
- Produced audit documentation that captured essential findings and provided clear improvement recommendations.
- Engaged with cross-functional teams to effectively tackle audit-related challenges and enhance procedures.
- Led the centralization of payment audits, resulting in streamlined workflows and enhanced financial oversight.
- Conducted KYC audits for account opening to ensure compliance with RBI and internal policy guidelines.
- Reviewed customer onboarding documentation and performed end-to-end KYC audits to mitigate risk and ensure data accuracy
- NPCI Reconciliation Audit(January 2024-December 2024)
- Performed daily NPCI reconciliation audits for UPI, IMPS, and NACH transactions, ensuring 100% accuracy and compliance with regulatory guidelines.
- Managed end-to-end NPCI reconciliation process, identifying and resolving transaction mismatches and exceptions in a timely manner.
- Conducted audit reviews of NPCI reports, boosting process efficiency.
- Optimized workflows for NPCI reconciliation in collaboration with operations and IT teams.
- Compiled and evaluated NPCI reconciliation audit reports for internal and external reviews
- Retail Assest Audit (January 2025 - Present)
- Conducted audits of retail loan portfolios (home loans, personal loans) to ensure adherence to internal policies and RBI guidelines.
- Evaluated retail asset files for completeness, KYC compliance, income verification, and credit appraisal documentation.
- Performed risk-based audits on retail loan disbursements, verifying documentation accuracy and sanction conditions.
- Followed up on action plans after preparing audit reports on retail lending non-compliance.
Intern
Tech Risk Partners Pvt Ltd
10.2021 - 02.2022
- Created comprehensive educational resources.
- Agile methodologies
- Risk management (ISO 27001)
- Introduction to GDPR
- Prepared quiz on cyber security framework
Intern
ICICI Bank
06.2021 - 08.2021
- Analyzed deep tier supply chain finance via channel financing.
- Conducted market research on various industries and collected primary data from 100 retailers / dealers / manufacturers through questionnaires.
- Understood the business process of client, identified gaps , and provided end to end solution.
- Successfully completed gap analysis for various trade instruments.
- Summer internship
Education
Master of Business Management - undefined
UNIVERSITY OF LUCKNOW
01.2023
Masters - Economics
UNIVERSITY OF LUCKNOW
01.2021
Bachelor - Economics
UNIVERSITY OF LUCKNOW
01.2018
Skills
- Project Management
- Public Relations
- Teamwork
- Time Management
- Leadership
- Effective Communication
- Critical Thinking
LANGUAGES
English: Fluent
Hindi: Fluent
Certification
• Accounts & Audit from NIBM
• Digital Banking from IIBF
Timeline
Assistant Audit Manager
Utkarsh Small Finance Bank
01.2023 - Current
Intern
Tech Risk Partners Pvt Ltd
10.2021 - 02.2022
Intern
ICICI Bank
06.2021 - 08.2021
Master of Business Management - undefined
UNIVERSITY OF LUCKNOW
Masters - Economics
UNIVERSITY OF LUCKNOW
Bachelor - Economics
UNIVERSITY OF LUCKNOW
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