Priyanka raj

• Evaluated and enhanced process controls to mitigate operational risks and align with business objectives.
• Analyzed process data and control effectiveness metrics to inform strategic decisions.
• Developed and monitored Key Risk Indicators (KRIs) to detect operational vulnerabilities, reporting findings to senior leadership.
• Registered, tracked, and resolved risk events, improving the efficiency of incident response protocols.
• Led the preparation and presentation of comprehensive risk incident reports for key stakeholders.
• Conducted operational risk assessments to identify and address emerging risks.
• Implemented and tested internal controls for personal loan underwriting, ensuring compliance and risk mitigation.
• Authored procedural guidelines to standardize risk management practices and ensure regulatory adherence.

• Reviewed and analyzed various reports related to processes, ensuring timely closure of exception checks and applied critical thinking to influence process improvements.
• Performed semi annual reviews on policy and procedures of groups for accuracy and effectiveness
• Conducted side-by-side observations and evaluated data to execute re-performance testing, maintaining comprehensive documentation of findings.
• Maintained awareness of significant changes affecting the business regarding Risk processes.
• Held regular team meetings to emphasize quality standards and process importance, providing guidance and feedback to enhance team performance.
• Handled Management deliverables and Audit( GIA) related documents for the unit.

• Conducted control tests for retail credit risk, providing self-certification and assurance while ensuring checks were performed in a timely manner with high accuracy.
• Managed control testing across 20+ countries under retail credit, including processes such as Credit Risk Management Policy, Fraud Screening, and Portfolio Management.
• Supported Group Internal Audit (GIA) audits and collaborated with the Test Hub team for processes managed by the unit.
• Reviewed various processes and reports to ensure internal controls were established and evaluated mitigation plans for identified exceptions, acting as a second line of defense.
• Managed monthly KPI's of retail unit,identifying opportunities for control enhancement and operational efficiency.
• Worked in depth understanding the risk and controls throughout the process to assist in identification and/ or development of controls to mitigate gap.
• Participate in meeting with business owners at various levels of management,deliver testing results and support sustainable control enhancement, recognize opportunities to strengthen controls and improve operational efficiency.

PROJECTS

CREDIT RISK MANAGEMENT

• Objectives: Managed credit risk across various products such as Credit Risk Management Policy, Credit decision, Fraud screening & surveillance, Card authorization, client limit excess management-WM , Portfolio management-CCPL, Mortgage,Auto, Business banking
• Role: Conducted comprehensive risk assessments, implementing internal controls, and reporting findings to senior management.
• Skills Utilized: Risk Assessment, Data Analysis, Internal Controls, Stakeholder Communication.
• Results: Enhanced the organization's ability to manage credit risk reduction in risk-related incidents over a 12-month period.