PRASHANT KUMAR
Gold Loan Audit
Ghaziabad
Summary
Diligent Auditor skilled in outlining risk assessment and discussing potential compliance issue with management. Conceptual thinker successful at refining audit system. Proficiently monitors budgetary matters to achieve financial accountability and transparency.
Overview
13
13
years of professional experience
1
1
Certification
1
1
Language
Work History
BANDHAN BANK LIMITED
02.2022 - Current
- 1: Gold loan Audit in entire north zone and Maharashtra, Branches
- 2: Checking of gold purity and give the actual carat of the item and find out the irregularities in the Ornaments
- 3: Check the all the necessary registers, files and compliance record are available in the Bank
- 4: Check the security CCTV monitoring and all the security parameters in the branch like panic buttons, alerts, guard license expiry etc.
- 5: Checking all circulars , CMG points and RBI guide line following by the branches and guide to branches for the process and RBI guide lines
- 6: Checking of notice board in the branches all certificates and necessary compliance
HDFC BANK LIMITED
12.2020 - 02.2022
- 1: Process Gold loan and check all Gold Ornaments with touch stone
- 2: Check customer KYC and all Necessary Required Documents
- 3: Daily Basis loan packets tracking
- 4: Daily maintain Register and Files
- 5: personal Loan File Recheck and Final Disbursed
Internal Auditor
Rupeek capital Pvt Ltd (Rupeek fintech Pvt Ltd)
09.2019 - 12.2020
- Rupeek Gold Loan As a Internal Auditor
- Key Responsibilities:
- 1:- Mystery Audit done customer place in Loan Manager
- 2:- Daily Basis loan packets tracking
- 3:- Checking of gold purity and give the actual carat of the item and find out the irregularities in the ornament
- 4:- Check the all the necessary registers, files and compliance record are available in the Vault
Internal Auditor
India Infoline Finance Limited
07.2017 - 06.2019
- 2 Year Experience In India Infoline Finance Limited As a Internal Auditor
- Key Responsibilities:
- Audit in entire north zone at India info line branches.
- Check all parameters of audit I.e checking of cash, kyc and other compliance.
- Checking of fraud activities, controlling risk and handling legal activities.
- Reconcile the inventory in the branch and analyses the correct valuation done by the branches
- Check the security CCTV monitoring and all the security parameters in the branch like panic buttons, alerts, guard license expiry etc.
- Checking all circulars , CMG points and RBI guide line following by the branches and guide to branches for the process and RBI guide lines
- Checking of notice board in the branches all certificates and necessary compliance
- Preparation of audit report score card of the branches.
- Check the all the necessary registers , files and compliance record are available in the branch.
- Check the correct key handling and operation of vault room.
- Resolve the all off site queries and preparation of offsite audit report.
Jr Asst, Internal Auditor
Manappuram Finance Limited
01.2013 - 07.2017
- 4.6 Year Experience In Manappuram Finance Limited As a Jr Asst 1.6 year & 3 year Internal Auditor
- Key Responsibilities:
- Audit in Delhi NCR Region Branches
- Check all parameters of audit I.e checking of cash, kyc and other compliance
- Reconcile the inventory in the branch and analyses the correct valuation done by the
- Checking all circulars , CMG points and RBI guide line following by the branches and guide to branches for the process and RBI guide lines
- Reconciliation of bank statement and checking of entries
- Check the correct key handling and operation of vault room
- Check the all the necessary registers , files and compliance record are available in the branch
- Checking of gold purity and give the actual carat of the item and find out the irregularities in the ornament
Education
Graduation - undefined
01-2010
Intermediate Pass - undefined
UP Board Allahabad
01-2006
High School Pass - undefined
UP Board Allahabad
01-2004
Skills
Strong knowledge of gold loan processes and policies
Understanding of RBI guidelines and regulatory compliance
Ability to verify gold purity and valuation processes
Knowledge of audit procedures and risk assessment
Strong analytical and problem-solving skills
Attention to detail and accuracy in verification
Ability to identify discrepancies and fraud risks
Proficiency in MS Excel and reporting tools
Experience in branch audit and inspection
Knowledge of documentation and KYC verification
Ability to review loan files and collateral records
Understanding of internal audit controls
OTHER INFORMATION
- PERMANENT ADDRESS
- Vill&Post- Khubariyapur Chhibramau Disst-Kannauj (UP) Pin-209721
- PRESENT ADDRESS
- D.O.B : 1990-06-10
- Email : prashantpal.pal9@gmail.com
- Contact No. : 09891224252-7011185342
- Address : FlatNo-201 Block B Royal Residency New Morden Railway city colony Ghaziabad UP (200901)
- Date______________
- Place______________ PRASHANT KUMAR
Certification
Golden Glow Award
Timeline
BANDHAN BANK LIMITED
02.2022 - Current
HDFC BANK LIMITED
12.2020 - 02.2022
Internal Auditor
Rupeek capital Pvt Ltd (Rupeek fintech Pvt Ltd)
09.2019 - 12.2020
Golden Glow Award
03-2018
Internal Auditor
India Infoline Finance Limited
07.2017 - 06.2019
Jr Asst, Internal Auditor
Manappuram Finance Limited
01.2013 - 07.2017
Graduation - undefined
Intermediate Pass - undefined
UP Board Allahabad
High School Pass - undefined
UP Board Allahabad