Headline

Risk Management & Governance | Second Line of Defense (2LoD) | GRC Automation

About

Experienced and results-driven professional with a strong background in Lending Business Operations. Dedicated to delivering exceptional results and resolving complex challenges in the lending industry. Proven expertise in driving process improvements, managing stakeholder relationships, and training teams for optimal performance. Skilled in creating effective SOPs, generating insightful reports, and identifying areas for growth. Strong leadership capabilities with a focus on team development and performance management. Additionally, possess a background in marketing, specializing in digital promotions and understanding consumer preferences. Complemented by a solid educational foundation and relevant certifications. A proactive and collaborative professional committed to achieving operational excellence and fostering long-term success. Open to new opportunities in a dynamic and fast-paced environment.

Location

Bengaluru

AI stack

grok

n8n

perplexity

ChatGPT

Microsoft Copilot

Pika

Work experience

Risk Management Analyst at IIFL Samasta Finance Limited, Aug 2025 - Present · 1 yr 2 mos, Bengaluru, As a Risk analyst in Second Line of Defense (2LoD), I oversee risk governance and control testing for critical business functions to ensure operational resilience. My role focuses on the end-to-end lifecycle of RCSA programs and the proactive monitoring of Key Risk Indicators (KRIs) to mitigate operational and fraud-related exposures. I spearheaded the digital transformation of the risk department by deploying and automating RCSA, KRI, BIA, and Vendor Risk Management modules within the GRC ecosystem. I am also responsible for conducting deep-dive assessments into high-impact workstreams like KYC compliance and financial reconciliation while utilizing Early Warning Signals (EWS) for advanced fraud detection.

Operational Risk Analyst at CreditAccess Grameen Limited, Sep 2023 - Aug 2025 · 2 yrs, Bangalore Urban, In this role, I managed departmental risk exposures by analyzing KRIs and coordinating RCSA processes across the organization. I played a central role in regulatory governance, ensuring accuracy in the filing of FMR-1/FMR-4 reports via the RBI CIMS portal. A primary achievement was formulating branch coverage plans aligned with the Board-approved Risk Appetite Statement and automating GRC workflows using ZOHO to capture ground-level risk intelligence. My consistent performance was recognized with two consecutive awards for 'Extra Mile' performance and success in automating GRC processes

Subject Matter Expert at Navi, Apr 2021 - Sep 2023 · 2 yrs 6 mos, Bangalore Urban, Focused on fraud mitigation and process excellence, I investigated suspicious transactions using qualitative risk assessments and developed robust SOPs to strengthen internal controls. I was responsible for high-stakes monthly reporting on credit bureau data, including CIBIL, CERSAI, and NeSL, to support enterprise-wide compliance. During my tenure, I received an Award of Appreciation for delivering a critical cross-team initiative that resulted in significant business impact and operational efficiency. I also managed relationships with co-lenders and fintech partners, ensuring smooth payment operations and identifying operational gaps for process improvement.

Marketing Intern at Youth Empowerment Foundation, Oct 2020 - Nov 2020 · 2 mos, During my one-month internship in Youth Empowerment Foundation organization, I have come to experience a different environment and I have been given various interesting tasks which has always kept me involved with my work. I have come to learn different ways of marketing and how to use them in real-life. This internship has given me various opportunities to show my marketing skills. In this pandemic situation also, this organization did not stop their interns from learning and gaining knowledge

Education

PGDM, Marketing and Human resources, SDM Institute for Management Development

Master of Business Administration - MBA, Business Administration and Management, General, National Sun Yat-sen University