RIA SRIVASTAVA
BANDHAN BANK
Lucknow
8
years of professional experience
Dynamic and disciplined professional seeking a career-enhancing opportunity within a growth-focused organization. Expertise in internal audits, risk mitigation, and retail banking operations is complemented by strong interpersonal and analytical skills. Committed to leveraging extensive experience to drive compliance excellence, enhance customer satisfaction, and contribute to organizational objectives. Eager to transition into a role that offers broader responsibilities, professional advancement, and continuous learning opportunities.
Work History
Internal Auditor
6 Years 4 Months- Analyzed customer profiles, appraisal documents, sanctioning processes, and loan disbursements during extensive audits of home and small enterprise loans to guarantee compliance with established credit policies.
- Analyzed day-to-day banking operations through audits to verify compliance with regulations and assess risk exposures.
- Analyzed customer financial statements and supporting documentation to evaluate creditworthiness and uphold accuracy in income recognition and loan servicing.
- Executed forensic validations by cross-verifying customer ITRs through income tax e-filing portal and authenticating CA certificates via ICAI website.
- Identified revenue leakage occurrences and proposed corrective measures, ensuring implementation of audit observations to completion.
- Compiled and submitted comprehensive monthly and quarterly audit reports, emphasizing key findings, risk indicators, and compliance status across branches.
Work Role: virtual relationship
2 Months- Administered financial servicing and cross-selling strategies for a virtual portfolio of 30–35 high-value customers.
- Implemented strategies for promoting and onboarding customers to digital banking platforms, focusing on improving transaction efficiency and customer satisfaction.
- Analyzed customer requirements to drive successful digital sales and optimize alignment of financial products.
- Maintained detailed records of customer interactions in CRM while coordinating timely submission of MIS reports and conducting portfolio performance assessments.
Service Delivery Manager (SDM)
2 Years 5 Months- Directed management of branch operations across trade, non-trade, and general banking functions to uphold regulatory compliance and optimize operational processes.
- Managed client relationships by delivering comprehensive assistance for banking products and resolving service-related questions efficiently.
- Implemented strategies to maintain adherence to turnaround time for operational transactions, fostering improved process efficiency and customer satisfaction.
- Oversaw client satisfaction scorecard and implemented service enhancements through proactive issue resolution.
- Analyzed potential business leads and coordinated with sales teams to optimize revenue opportunities.
- Executed transaction authorizations and performed audit checks to ensure adherence to internal control and compliance standards.
- Conducted thorough authorization and audit checks to ensure transaction integrity and compliance.
Education
Master of Business Administration (MBA) - Finance & Marketing
Bachelor of Commerce (Honours) - Finance and Marketing
ISC board Intermediate (Class 12th)
ISC board Matriculation (Class 10th)
Skills
Advancing technology skills
Team leadership
MIS & Reporting
Microsoft Office
Fraud & Forensic Investigation
Loan appraisal analysis
Retail Lending Process Review
Policy compliance
Fraud investigations
Retail branch operations
Regular compliance checks
Internal controls
Accomplishments
Represented my country at an international Mathematics Olympiad and Cultural Dance Competition in the Philippines (2010); won 1st Prize among participants from 28 countries.
INTERNSHIPS
- Kotak Mahindra bank: (06/2016 – 07/2016) (Investment And Financial services at Kotak Mahindra bank)
- Reliance Communications Limited: (05/2014 – 06/2014) (Understanding the working of Human Resource Department)
Timeline
Internal Auditor
BANDHAN BANK
06.2020 - CurrentRead More
Work Role: virtual relationship
HDFC BANK
01.2020 - 03.2020Read More
Service Delivery Manager (SDM)
INDUSIND BANK
08.2017 - 01.2020Read More
Amity University
Bachelor of Commerce (Honours) from Finance and Marketing
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City Montessori School
ISC board Intermediate (Class 12th)
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City Montessori School
ISC board Matriculation (Class 10th)
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Amity University
Master of Business Administration (MBA) from Finance & Marketing
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