Preksha Sankhala
MBA
Malad East, Mumbai
Summary
Currently working as Senior Manager – Internal Audit at Yes Bank, with 5+ years of experience across Real Estate Financing, Credit Risk Assessment, Internal Audit, Debt Syndication, and Regulatory Reporting & Compliance. Skilled in conducting risk-based and thematic audits, evaluating wholesale and SME credit portfolios, and ensuring adherence to regulatory and internal policy frameworks. Proven expertise in identifying credit risks, strengthening control frameworks, and partnering with stakeholders to drive financial stability and compliance excellence.
Overview
4
4
years of professional experience
Work History
Senior Manager - Internal Audit
Yes Bank
02.2025 - Current
- Independently conducted credit audits covering the quality of credit appraisal, sanctioning process, adherence to approval conditions, and post-sanction monitoring.
- Performed thematic audits on wholesale credit portfolios, focusing on sector-specific risks, collateral management, and compliance with regulatory guidelines.
- Reviewed SME and large corporate customer credit files, assessing adequacy of due diligence, financial analysis, credit rating rationale, and ongoing monitoring practices.
- Verified end-use of funds and capital infusion to ensure alignment with sanctioned terms and to detect potential diversion of funds.
- Identified emerging credit risks at both portfolio and individual borrower levels, recommending mitigation strategies to safeguard asset quality.
Manager -Debt Syndication and Equity Management
Capwise Financial Services Private Limited
08.2024 - 02.2025
- Conducted thorough credit assessments for contractors and subcontractors, evaluating financial statements, credit histories, and project viability for Real Estate Financing
- Developed and implemented risk assessment protocols to identify potential financial pitfalls in construction projects, mitigating exposure to bad debts
- Preparation of Credit Appraisal notes for Term Loans, Project Financing and Supply Chain Financing (SCF) to Large Corporates in various sectors such as construction, NBFCs, health sector, manufacturing, hotels and restaurants and Information Technology (IT)
- Established and refined credit policies and procedures to align with industry best practices and regulatory requirements
- Prepared regular reports for senior management on credit risk exposure, project financing needs, and overall portfolio performance
- Ensured compliance with all applicable laws, regulations, industry standards.
Manager - CFO Services, Debt Syndication and Equity Management
GrowthAlly
01.2024 - 08.2024
- Manging and delivering CFO Services such as Internal Audit for Banking and Insurance sector, Policy review project for key areas like Credit, Risk Management, AML & KYC
- Preparation of Credit Appraisal notes for Term Loans, Project Financing, Cash Credit, Revenue Based Financing (RBF) and Supply Chain Financing (SCF) to Large Corporates and SME Clients in various sectors such as construction, NBFCs, health sector, manufacturing, hotels and restaurants and Information Technology (IT)
- Preforming risk assessment exercise projects for Banking and Insurance sector to identify potential gaps and recommend corrective actions
- Played a pivotal role in executing diverse capital marketing transactions such as IPO, FPO and Private Equity placements
- Identification of Heightened Monitoring and Risk of Credit Loss (ROCL) customers
- Conduct Client Review Meeting (Post Discussion) and Site Visit to obtain detailed information and to gain understanding on business risk aspects
- Prepare and present the Monitoring report for assigned portfolio to senior management
- Manage and address issues identified during credit risk assessment by devising action plans
Associate
Cred Avenue Private Limited (Yubi)
08.2022 - 12.2023
- Credit assessment and due diligence of supply chain finance anchor at the time of onboarding on the platform
- Evaluation of client's credit data and financial information in order to determine the degree of risk involved in lending decisions
- Preparation of credit papers with respect to lending of various credit products and assessment of business and various risk involved in lending to customers
- Subject Matter Expert (SME) on credit and wealth management products, property valuation to the team
- Providing inputs to technology team on platform enhancements to enable smooth compliance with laws and user-friendly interface
Assistant Manager
Axis Bank
08.2021 - 08.2022
- Independently executed and finalized risk based Internal Audits of Trade Finance, Wholesale Banking Investments and Retail Forex Remittances
- Organized audits with focus on the RBI compliances, suspicious & fraudulent transactions and reported potential observations to mitigate risks of the organization
- Independently validating the action plans implemented by stakeholders as concluded in the audit report for issues raised by the internal audit team
- Preparation of board notes and executive summary of key audit findings for presentation to the Audit Committee of Board
- Responsible for Risk Based Supervision (RBS) reporting to RBI for AML CFT issues identified
Education
MBA -
FMS, Udaipur
04.2001 -
Bachelor of Commerce -
MDS University, Ajmer
04.2001 -
Skills
- Credit Risk Assessment & Mitigation
- Regulatory & Policy Compliance
- Analytical & Financial Acumen
- Audit Planning & Execution (Risk-Based & Thematic Audits)
- Stakeholder Management & Collaboration
- Effective report writing skills
Internship
Priya Choudhary and Associates, Bhilwara (April 2015 to April 2017)
- Concurrent Audit of Union Bank and Tamilnad Mercantile Bank.
- Review of credit files and security assessment report to identify any gaps.
- Audit the process of Loss of Default for credit profiles.
- Writing reports and stakeholder engagement with management on issues identified.
Languages
English and Hindi
Timeline
Senior Manager - Internal Audit
Yes Bank
02.2025 - Current
Manager -Debt Syndication and Equity Management
Capwise Financial Services Private Limited
08.2024 - 02.2025
Manager - CFO Services, Debt Syndication and Equity Management
GrowthAlly
01.2024 - 08.2024
Associate
Cred Avenue Private Limited (Yubi)
08.2022 - 12.2023
Assistant Manager
Axis Bank
08.2021 - 08.2022
MBA -
FMS, Udaipur
04.2001 -
Bachelor of Commerce -
MDS University, Ajmer
04.2001 -
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