Sithin Mathew
Kottayam
Summary
Dynamic internal audit leader with extensive experience at Unimoni Financial Services Ltd, specializing in risk-based auditing and regulatory compliance. Proven track record in enhancing fraud detection and internal controls, while effectively leading teams to deliver actionable insights. Skilled in audit automation and training delivery, driving governance improvements across diverse regions.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Divisional Head – Internal Audit
Unimoni Financial Services Ltd
04.2025 - Current
- Leading divisional internal audit strategy and execution across multiple regions and verticals.
- Coordinating large audit teams and reporting key findings to senior management.
- Driving governance improvements through risk-based audit planning and advanced analytics.
Zonal Audit Head
Unimoni Financial Services Ltd
08.2024 - 03.2025
- Managed zonal-level audit operations with focus on fraud prevention and internal control enhancement.
- Led region-specific audit teams, monitored compliance, and supported management decisions with actionable insights.
Regional Internal Auditor
Unimoni Financial Services Ltd (Formerly UAE Exchange Financial Services Pvt. Ltd)
08.2012 - 07.2024
- Conducted audits across multiple branches covering Gold Loan, Foreign Exchange, and Money Transfer services.
- Identified systemic control issues and worked with regional managers for timely resolution.
- Delivered AML/KYC training and evaluated gold ornament quality during audits.
- Liaised with RBI and ensured regional compliance with applicable regulations.
Education
MBA - Finance
Bharathiar University
CoimbatoreB.Com - Computer Application
MG University
KottayamDIFA - Indian and Foreign Accounting
G.Tech Computer Education
Skills
- Risk-based internal auditing
- Regulatory compliance (RBI, AML/KYC)
- Gold loan audit and appraisal
- Fraud detection and investigation
- Team leadership and coordination
- Audit automation and reporting
- Communication and training delivery
Certification
- IAB – International Association of Bookkeepers
- Gold appraisal – BSS Skill Mission (Bharat Sevak Samaj)
Hobbies and Interests
- Travelling
- Driving
- Listening to Music
Languages
- Malayalam, native
- English, professional working proficiency
- Tamil, professional working proficiency
- Hindi, professional working proficiency
Timeline
Divisional Head – Internal Audit
Unimoni Financial Services Ltd
04.2025 - Current
Zonal Audit Head
Unimoni Financial Services Ltd
08.2024 - 03.2025
Regional Internal Auditor
Unimoni Financial Services Ltd (Formerly UAE Exchange Financial Services Pvt. Ltd)
08.2012 - 07.2024
MBA - Finance
Bharathiar University
B.Com - Computer Application
MG University
DIFA - Indian and Foreign Accounting
G.Tech Computer Education
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