Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
Generic
Sharfuddin  Raj

Sharfuddin Raj

Khambhat

Summary

Results-driven and detail-oriented Banking & Finance Professional

with a strong background in internal audits, branch operations,

relationship management, and sales. Holding an MBA in Marketing

with Distinction, I have demonstrated expertise in risk assessment,

compliance, customer relationship management, and financial

product sales. Proven ability to identify and mitigate financial risks,

ensure regulatory adherence, and drive operational excellence. Adept

at building and nurturing client relationships, cross-selling financial

products, and generating revenue through HNI client acquisition.

Seeking to leverage my expertise in a dynamic organization to

contribute to business growth, operational efficiency, and customer

satisfaction.

Overview

13
13
years of professional experience
1
1
Certification

Work History

Deputy Manager- Internal Audit

Au Small Finance Bank-
11.2023 - Current
  • Audit of company policies proper implemented by employee.
  • Monitoring the work and review performance (monitoring the team handling, review audit reports, monthly activity Data)
  • Timely submission of Data visit and monitoring reports
  • Monthly /Quarterly audit in the branch
  • Perform and control of full audit cycle including risk management over
  • operation' effectiveness, financial reliability and compliance with all
  • applicable directives and regulations.
  • identify loopholes and recommend risk aversion measures and cost
  • saving.
  • Identify and investigate potentially Fraudulent activities or financial irregularities.
  • Prepare and present reports that reflect audit's results

Manager - Service Quality and Product Excellence

IDFC First Bank LTD
04.2023 - 10.2023
  • Manage of profile Liabilities audit, Secured Loan, Unsecured loan.
  • 7 Days Audit in the branch (covered at all product like, Liabilities, Gold loan, PL, MEL, dealership product, Tractor loan, vehicle loan etc.
  • Audit reports submitted to superior

Deputy Unit manager -Internal Audit

FINCARE SMALL FINANCE BANK
09.2016 - 03.2023
  • Audit of company policies proper implemented by employee.
  • Monitoring the work and review performance (monitoring the team handling, review audit reports, monthly activity Data)
  • Timely submission of details visit and monitoring reports
  • Monthly /Quarterly audit in the branch
  • Audit of LAP Loan/Gold loan/Document Verification

INTERNAL AUDITOR

SPANDANA SPHOORTY FINANCIAS LTD
07.2015 - 08.2016
  • Working in all our branch audit
  • All informational and account details check it. All details inform to branch.
  • Quarterly visit in branch

SR. SALES EXECUTIVE

INDIABULLS FINACIAL SERVICES LTD
07.2012 - 05.2015
  • Working in Baroda office for major financial products. Responsible for sales of the home loan products.
  • To achieve the sales target on monthly basis.
  • Looking care of sales and admin activity of the branch. Assuming, analyzing & responding to new market trends.
  • Regularly taking training for products and getting good business from market. Keeping the customer happy and getting resale from them

Education

M.Com - Accounting

Faculty of Commerce
01.2014

B.Com - Accounting

Faculty of Commerce
01.2012

H.S.C. - Commerce

S Z W High school Khambhat
01.2009

Skills

  • Finacle
  • Omni
  • Talisma
  • TCS
  • Novopay
  • Finnone
  • SFDC
  • IT skills

Certification

Tally 9.0

Languages

Urdu
Beginner (A1)
Gujarati
Advanced (C1)
English
Upper intermediate (B2)
Hindi
Advanced (C1)

Timeline

Deputy Manager- Internal Audit

Au Small Finance Bank-
11.2023 - Current

Manager - Service Quality and Product Excellence

IDFC First Bank LTD
04.2023 - 10.2023

Deputy Unit manager -Internal Audit

FINCARE SMALL FINANCE BANK
09.2016 - 03.2023

INTERNAL AUDITOR

SPANDANA SPHOORTY FINANCIAS LTD
07.2015 - 08.2016

SR. SALES EXECUTIVE

INDIABULLS FINACIAL SERVICES LTD
07.2012 - 05.2015

M.Com - Accounting

Faculty of Commerce

B.Com - Accounting

Faculty of Commerce

H.S.C. - Commerce

S Z W High school Khambhat
Sharfuddin Raj