Rohit Kale

• Implemented comprehensive audits throughout various hubs, maintaining adherence to regulatory and internal standards.
• Conducted compliance reviews, identified anomalies in cash management, and monitored repossessed vehicle processes.
• Conduct State office audits to ensure all the processes pertaining to Retail assets operations and Retail assets credit are being followed as per the SOP and the regulatory guidelines.
• Provided audit ratings and collaborated with senior management for timely closure of issues.

• Audit planning. Ensure the commencement and completion of audits as per the audit plan.
• Conduct an independent credit audit of the retail LAP credit portfolio. Independent review of appraisal, assessment, and internal risk rating for the borrower.
• Facilitated a comprehensive assessment of adherence to the bank's policies and regulatory standards concerning sanction processes, evaluation measures, documentation completeness, credit risk analysis, account management, and corrective actions.
• Escalation and discussion on audit issues with the respective stakeholders before the finalization of reports.
• Audit sampling and submission of reports within stipulated timelines.
• Follow up for the closure of reports within stipulated timelines, post-issuance of Audit Reports.

• Credit audit for retail asset products of auto loans and business loans.
• Review of policy parameters, documentation checks, and analysis of observations for necessary correction in the credit appraisal process.
• Building sampling logic to extract samples for hindsight.
• Preparing a data quality report, which highlights the critical data points captured in the system based on the physical file.
• Preparing scorecards for credit managers based on observations captured from sampled files.
• Review the risk and publish the reports on a monthly basis. Include consistent improvements in the quality of files, policy gaps, process gaps, and taking adequate measures to resolve such gaps.
• Collaborate with the risk, operations, and policy team for any changes in the policy and process.
• Suggestion for changes in policy.
• Identify low-scoring credit managers and provide training, policy understanding sessions.
• Key error discussions, con-calls with regional heads for improving credit and state scores.
• Quarterly CPC visits and presentations with zonal heads to conduct root cause analysis for low scores, and to find effective means to improve the quality and score for credit.

• Accountable for Dell Site Audits
• Efficiently Calculate the overall Savings on Monthly, Quarterly and yearly basis
• Responsible to Comment on the highest sold products and vice Versa
• Accountable for Running promos and campaigns on the products
• Took Suggestive actions to improve the performance of the Products

GPA: 69%

81.71%

77.33%

82.23%