Sabyasachi Mishra
Mumbai
Summary
Experienced banking and finance professional with 13 year of expertise in Operational Excellence, Risk Management and Service Quality. Proven track record in driving process improvements, implementing robust risk frameworks, and enhancing service delivery across diverse banking and NBFC functions. Skilled in stakeholder management, policy development, and regulatory compliance, with a strong focus on operational efficiency and risk mitigation.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Senior Operational Risk Analyst
L&T Financial Services
05.2023 - Current
- Leading Operational Risk Management for Rural retail Portfolio amounting to Rs 24,000 Crores contributing to 30% of the overall portfolio of the company
- Overseeing the governance framework integral to the Operational Risk Management Structure
- Responsible for coordinating, preparing and delivering ORMC presentation for secured and unsecured products to senior leadership, including the CRO, GEC members, Product Heads, Business Heads and Other functional leaders
- Responsible for maintaining the Operational Risk Incident and loss database, ensuring accurate reporting, classification, and timely updates in alignment with Internal risk management policies
- Responsible for tracking Open Issues from Operational Risk Registers, audit report, Internal control testing reports and ORMC actionable(s) for closure and validation
- Responsible for creating OR awareness Initiative among stakeholders by conducting trainings to units across organization
- Supporting Head-ORM and CRO in drafting new risk policies, presenting them to ORMC, RMC and the Board, and driving their implementation across the organization
- Conducted regular reviews of the Risk Control self assessment (RCSA) and monitoring of Key Risk Indicators (KRI)
- Conducted Root cause analysis (RCA) on Operational Risk Incidents, recommend corrective and preventive actionable(s) and tracked them to closure
- Conveyor of Process Approval Group, and responsible for review and approving product, process, workflow and system related changes
Team Lead- Service Quality and Process Excellence
IDFC First Bank
06.2015 - 04.2023
- Responsible for managing 5 SQPE managers of 2 States comprises of 30 branches having expertise in liability, Secured and Unsecured loans
- Responsible for overall governance of the SQPE which includes formation of common repository of all published reports, critical observations, open observations, etc
- Handle and guide the team for report publication, report follow-up & closure
- Perform Off-site and risk-based checks /audits whenever required, analyze various MIS and data to monitor compliance
- Effective engagement with seniors and team leads on new initiative & Projects related to SQPE
- Guide the branch/cluster/state team for adequate corrective and preventive actions for the highlighted observations
- Preparation of PPT and presentation for demonstrating critical observations, overall branch hygiene on a regular frequency with state/cluster team
Front Desk Officer
Axis Bank
06.2012 - 05.2015
- Handled all desks in the retail branch, performing day-to-day activities like fund transfers, NEFT/RTGS execution
- Cross selling of third party products to the existing bank customer
- Up-selling and upgradation of account facilities to the mapped customer portfolio
- Deliverable management, Deepening to achieve CASA target
- Ensure all the customer escalation to be resolved within the stipulated timeline
- Compliance to Concurrent Audit, Internal Audit, RBI Audit, Labour, and Various other inspection reports
- Ensure timely completion of End of the Day activities at branch
Education
PGDBA - Finance
Symbiosis Center of Distance Learning
Pune05-2014
Certified Financial Planning - Financial Planning
FPSB
Mumbai03-2012
Bachelor of Commerce - Accounting
Gangadhar Meher (Autonomous College)
Sambalpur, India05-2010
Skills
- Operational Excellence
- Risk Management
- Process re-engineering
- Detail-oriented
- Networking
- Problem Solving
Certification
- Lean Six Sigma Black Belt Certification from Simplilearn
- Managing Operational Risk in Bank and Financial Institutions from CRISIL Ltd
- Business Analysis A-Z Masterclass from Udemy
Accomplishments
- Part of founding member of IDFC First Bank Business Banking operations unit responsible for designing end to end workflow for disbursement of Business Banking products in CLOS system
- Part of Migration team of migrating portfolio from CLOS to SFDC system of Business banking Segment
- Part of founding member of Service quality and Process Excellence team responsible for setting up governance framework
Timeline
Senior Operational Risk Analyst
L&T Financial Services
05.2023 - Current
Team Lead- Service Quality and Process Excellence
IDFC First Bank
06.2015 - 04.2023
Front Desk Officer
Axis Bank
06.2012 - 05.2015
PGDBA - Finance
Symbiosis Center of Distance Learning
Certified Financial Planning - Financial Planning
FPSB
Bachelor of Commerce - Accounting
Gangadhar Meher (Autonomous College)
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