Sagar Srivastava
Delhi-NCR
Summary
Results-driven professional with 12+ years of experience in enterprise risk management, internal and external audits, and regulatory compliance. Expertise in policy formulation and risk assessment, ensuring alignment with business objectives. Proven track record in promoting a robust risk culture and effective audit coordination. Strong skills in regulatory reporting and policy governance.
Overview
13
13
years of professional experience
Work History
Associate Vice President - Audit & Risk
Sugmya Finance Pvt Ltd
Delhi NCR
09.2024 - Current
- Led audit and risk functions to align with business goals and regulatory standards, including RBI.
- Conducted enterprise-wide fraud risk assessments to uncover vulnerabilities in finance and operations.
- Oversaw corporate audits, risk assessments, and control evaluations using data analytics to identify irregularities.
- Drove regulatory compliance and stakeholder reporting while fostering a strong risk-aware culture.
- Focused on continuous improvement through technology and analytics to enhance governance and efficiency.
Chief Manager - Enterprise Risk
Svatantra Microfin Pvt. Ltd.
Mumbai
06.2020 - 08.2024
- Designed and strengthened enterprise risk management (ERM) framework organization-wide.
- Managed comprehensive enterprise-wide risk register, ensuring accurate documentation of risks, controls, and mitigation strategies.
- Led risk and control self-assessments (RCSA) to proactively identify and evaluate key risks.
- Established key risk indicators (KRIs) and prepared regular risk reports for board-level Risk Management Committee.
- Managed fraud risk through risk assessments, data analytics, and control improvements, identifying suspicious transactions, and strengthening internal controls to mitigate financial and operational fraud.
- Drafted, reviewed, and enhanced risk management policies to ensure regulatory compliance and operational effectiveness.
- Analyzed loss event data (LED) to identify trends, assess impacts, and develop actionable risk mitigation plans.
- Coordinated Operational Risk Management Committee meetings, ensuring timely follow-up on agreed actions.
- Performed risk assessments for new product development, pilot projects, and business expansion initiatives.
Senior Manager - Internal Process & Policy
Satin Creditcare Network Ltd.
Gurgaon
04.2019 - 05.2020
- Developed and updated organizational policies, standard operating procedures, and process frameworks to align with business objectives and regulatory requirements.
- Evaluated existing processes to identify gaps and inefficiencies, implementing enhancements to strengthen governance and operational effectiveness.
- Collaborated with risk, operations, audit, and business teams to embed risk management principles into daily functions.
- Monitored policy adherence through field visits, audits, and periodic reviews, ensuring prompt corrective actions.
- Oversaw vendor compliance and outsourcing operations, supporting internal and regulatory audits effectively.
- Contributed to strategic initiatives including new product launches, business expansion, and process digitization.
Manager - Audit & Risk
Satin Creditcare Network Ltd.
Kolkata
02.2014 - 04.2019
- Ensured compliance through end-to-end internal audit processes across all branches and regional offices.
- Planned and scheduled monthly compliance activities for timely identification and resolution of audit issues.
- Conducted regular compliance audits, validating accuracy of reports through field-level cross-verification.
- Prepared consolidated monthly compliance reports for submission to head office audit team.
- Reviewed audit reports to ensure accuracy, consistency, and adherence to prescribed formats.
- Coordinated with field auditors and operations teams to facilitate smooth execution of audits.
- Supervised daily field audit activities while providing guidance and mentorship to auditors.
- Conducted periodic flash audits to strengthen internal controls and enhance audit effectiveness.
Sales Officer (Off-role)
C.L. Products (INDIA) Ltd.
11.2012 - 01.2014
- Drove product marketing through strategic promotional campaigns and expanded distribution network by onboarding distributors and retailers.
- Maximized retail presence and optimized product placement to enhance sales performance.
- Ensured consistent tracking and reporting of daily sales and business development activities to head of sales.
Education
MBA - Finance & Marketing
Gautam Buddha Technical University (formerly UPTU)
Lucknow, Uttar Pradesh05-2011
Bachelor of Commerce - Commerce
V.B.S. Purvanchal University
Jaunpur, Uttar Pradesh05-2009
Intermediate Certificate - Science
Uttar Pradesh Madhyamik Shiksha Parishad
Jaunpur, Uttar Pradesh06-2006
High School Diploma - Science
Central Board of Secondary Education
Jaunpur, Uttar Pradesh04-2003
Skills
- Enterprise risk management and framework implementation
- Fraud risk management and investigation
- Risk-based audit planning and execution
- Risk and control self-assessment and KPI development
- Control testing & KPI reporting
- Policy formulation and implementation
- Stakeholder & audit management
- Operational risk assessment and mitigation
- Continuous process improvement and control enhancement
- Regulatory reporting & assurance
- Advising on risk appetite and business continuity strategies
- Leadership mentoring for high-performing audit teams
Languages
English
Proficient (C2)
C2
Hindi
Native
Native
Timeline
Associate Vice President - Audit & Risk
Sugmya Finance Pvt Ltd
09.2024 - Current
Chief Manager - Enterprise Risk
Svatantra Microfin Pvt. Ltd.
06.2020 - 08.2024
Senior Manager - Internal Process & Policy
Satin Creditcare Network Ltd.
04.2019 - 05.2020
Manager - Audit & Risk
Satin Creditcare Network Ltd.
02.2014 - 04.2019
Sales Officer (Off-role)
C.L. Products (INDIA) Ltd.
11.2012 - 01.2014
MBA - Finance & Marketing
Gautam Buddha Technical University (formerly UPTU)
Bachelor of Commerce - Commerce
V.B.S. Purvanchal University
Intermediate Certificate - Science
Uttar Pradesh Madhyamik Shiksha Parishad
High School Diploma - Science
Central Board of Secondary Education