Surabhi Mishra
Experienced in Credit Risk Analysis and Risk Controls.
Noida,UP
Summary
Dynamic and results-driven Risk Control Manager and Credit Risk Manager with over 8 years of specialized experience in financial analysis, risk management, and compliance within the banking sector. Proven track record of enhancing control frameworks, conducting thorough credit analyses, and managing stakeholder relationships to mitigate risk and optimize business performance. Adept in developing tailored risk management strategies and driving process improvements through data-driven insights.
Overview
9
9
years of professional experience
2016
2016
years of post-secondary education
Work History
Risk Control Manager
Barclays Global Shared Services Ltd
10.2021 - Current
- Operate and maintain effective risk controls, ensuring alignment with Enterprise Risk Management Framework and regulatory standards
- Lead the documentation and compliance monitoring, tracking remediation actions to ensure timely completion and recording in shared drives
- Enhance control effectiveness within BBS Controls framework, identifying improvement areas and implementing strategic solutions
- Collaborate with audit teams for annual controls testing and maintain a comprehensive policy library for the BBS team
Credit Risk Manager
Kotak Mahindra Bank
03.2021 - 10.2021
- Conducted comprehensive credit risk analyses and prepared detailed reports for clients with financial exposure between £1m and £10m
- Partnered with BBS and Relationship Directors for effective turnaround situations, analyzing financial statements and business models
- Managed stakeholder communications to ensure seamless credit processing and prepared robust data management reports
Risk Manager
IndusInd Bank Limited
09.2018 - 03.2021
- Executed due diligence procedures on assigned credit proposals, appraising borrowers’ financials, and ensuring compliance with credit quality standards
- Spearheaded the identification of fraud and early mortality cases, implementing corrective measures to mitigate risk and stabilize portfolios
- Drove nationwide initiatives for new product implementation and strategic policy recommendations based on product analysis
Area Credit Analyst
Axis Bank Limited
06.2016 - 08.2018
- Led credit appraisals for diverse Agri processing and MSME clients, conducting in-depth risk assessments and financial analyses
- Managed proposal development and recommended credit limits based on thorough analysis of financial statements and collateral evaluations
- Collaborated with legal teams for due diligence and coordinated follow-ups with clients for effective recovery strategies
Education
MBA - Agribusiness Management
Symbiosis Institute of International Business
Bachelor of Technology - Food Science Technology
College of Food Science Technology, ANGRAU
Higher Secondary Certificate (HSC) - undefined
Chinmaya Vidyalaya
Secondary School Certificate (SSC) - undefined
Chinmaya Vidyalaya
Skills
Credit Risk Management
Personal Information
Date of Birth: 12/15/91
Awards and Recognition
- Recognized 15 times with cash awards for Precision in Risk Management at Barclays.
- Awarded the 'Bank Guard' honor at Axis Bank for safeguarding the bank against fraud totaling Rs. 18.00 Lacs.
- Received National Talent Scholarship from ICAR for four consecutive years (2010-2014).
Timeline
Risk Control Manager
Barclays Global Shared Services Ltd
10.2021 - Current
Credit Risk Manager
Kotak Mahindra Bank
03.2021 - 10.2021
Risk Manager
IndusInd Bank Limited
09.2018 - 03.2021
Area Credit Analyst
Axis Bank Limited
06.2016 - 08.2018
Bachelor of Technology - Food Science Technology
College of Food Science Technology, ANGRAU
Higher Secondary Certificate (HSC) - undefined
Chinmaya Vidyalaya
Secondary School Certificate (SSC) - undefined
Chinmaya Vidyalaya
MBA - Agribusiness Management
Symbiosis Institute of International Business
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