Shreyasee Gupta on Tal
Headline
Internal Audit & Risk Controls | Credit Sanctions | Digital Lending Ops | Fintech Product/Ops | Governance, Compliance & Operational Excellence
About
With 11+ years in banking, I've built my career at the intersection of credit sanctions, operational rigor, and risk governance — and I'm now channeling that foundation into fintech. My core strength is credit sanctions and digital lending: evaluating risk, structuring approvals, and ensuring lending decisions hold up under scrutiny, all while working within the speed and scale that digital platforms demand. I've spent equal time on the controls side — internal audit, risk assessment, and process governance — which gives me a dual lens that's rare in fast-moving fintech teams: I know how to move fast without breaking the guardrails. What I bring to a fintech organization: Digital Lending Operations — end-to-end familiarity with credit sanctioning workflows, underwriting logic, and the operational handoffs that make digital lending products actually work at scale. Fintech Product & Ops — a banking-trained eye for risk and compliance applied to product and process design, so growth doesn't outpace control. Internal Audit & Risk Controls — experience identifying gaps, resolving compliance issues, and rectifying audit findings across branches, with a track record of pinpointing delinquencies across credit, business, and operational risk segments. Across branches in the North and South Kolkata circles, with loan portfolios ranging from ₹20 crore to ₹200 crore, I reduced turnaround time (TAT) for credit sanctions, strengthened early warning signal (EWS) monitoring, and helped keep NPAs under control through proactive risk tracking. On the compliance side, I resolved audit findings and helped branches close out compliance gaps, while identifying delinquency patterns across credit, business, and operational risk. I'm now looking to bring this blend of traditional banking discipline and digital-first thinking to a fintech team — whether in digital lending ops, product/ops, or internal audit and risk.
Work experience
Senior Concurrent Auditor at PUNJAB NATIONAL BANK, Apr 2025 - Present · 1 yr 6 mos, Kolkata, West Bengal, India
Branch Manager at PUNJAB NATIONAL BANK, Jun 2022 - Mar 2025 · 2 yrs 10 mos, Bengaluru, Karnataka, India, Managed a Large Size Branch with total business portfolio of more than 200Cr. Ensured achievement of business parameters by business addition of 1 Cr plus on M-O-M basis. Focused on business with compliance by closing regulatory reports within stipulated time. Specific attention given to Retail loans - especially car and housing loans considering the immense potential in the adjacent IT HUB Area.
Manager at PUNJAB NATIONAL BANK, Apr 2021 - Jun 2022 · 1 yr 3 mos, Kolkata, West Bengal, India
Assistant Manager at United bank of India, Jun 2015 - Apr 2020 · 4 yrs 11 mos
Business Analyst at ICRA Techno Analytics Ltd., 2013 - 2014 · 1 yr, Greater Kolkata Area, Predictive Modelling, Time Series Analysis, QA Testing, Statistical Analyses, ANOVA,Testing Of Hypothesis
Education
MBA, Fintech, Birla Institute of Technology and Science, Pilani
M.Sc, Applied Economics, Presidency University, Kolkata
