Career Focus

Senior Level Risk Manager

A competent professional with nearly 10 years of experience – with 2 years in BFSI Domain in IT, and close to 8

years in Banking/Financial sector

An astute professional with qualitative work experience in Risk Management, Compliance Monitoring,

Operations, Audit, Credit Decision and Administration, Formulating Policy, Credit Risk Management, Process

Enhancement.

Core Competencies:

Function Specific: Product & validation, Single, Multi Unit or end to end audits to ensure effectiveness of

internal controls embedded in business.

Performing a monthly reconciliation between the risk events reported to Risk Management, Finance and

Forensic departments

Examine Corporate Governance & key business areas

Regulatory: Review Company’s adherence to key processes & regulatory requirement

Project Audits

Ad hoc review of strategic projects, new processes or business and special requests

Collateral Management.

Delinquency management.

Taking care of Compliance and Zero Error.

Coordinate and train to promote risk management awareness and compliance culture. Identifies knowledge

gaps and conducts suitable staff training on risk and compliance

Summary of skills

Risk Management Strategic Planning

Performance Tracking & Evolution Project Management

Team Building Conflict Resolution

SLA Implementation Buisness recovery & sustainability

Employee Engagement Process Development

Operations Management Complex problem resolution

Professional Experience

Sr. Risk Manager – Bajaj Finserv Lending

Aug 2013 – Present

Key Assignments:

Establish and institutionalize effective end-to-end risk structure for the Company

Develop Risk Policies & standards for Risk Management

Implement toolkits across units within the function and closely monitor its effectiveness in delivering desired

expectations, the identification, assessment, mitigation and control and monitoring of risk embedded risks in

the system, processes, people, outsourcing and products.

Co-ordinate with Senior Management to facilitate monthly function forum for risk discussions and ensure its

effectiveness by driving the agenda and robust discussion for adequate end- to-end coverage of issues to reduce

or mitigate embedded or perceived risks

Report risk issues and decisions to Senior Management on regular basis

Considering and suggesting methods to improve risk analysis and reporting to the Operational Risk Forum,

Risk Committee, Executive Management Team and Board Audit, Risk and Compliance Committee.

Facilitate the design and implementation of Key Control Standards (KCS) and related Key Control Self-

Assessment (KCSA) and monitoring plans Ensure effectiveness of business continuity plan and disaster recovery plan through process/plan design, testing

and implementation.

Apeksha Mehta

Mobile: 9764009971 Email: a2anand@yahoo.com

Coordinate and train to promote risk management awareness and compliance culture. Identifies knowledge

gaps and conducts suitable staff training on risk and compliance.

Work with local compliance team to ensure regulatory requirements are embedded in the processes and system

as applicable.

Drive risk based Process Risk Analysis (PRA) & Reviews on critical processes and perform Root Cause Analysis

(RCA) and facilitate Corrective Actions Reports (CAR) on events, potential and actual loss

Ensure that relevant Group and Business policies and procedures are understood and effectively embedded

within the function.

Maintain documentation for Risk management and Risk Policies and procedures

Keep abreast of latest risk management techniques and industry best practices

Delinquency Monitoring/NPA check by doing joint meeting with collections team and legal team.

Publication of Credit Packs (MIS) and critical risk dash boards for top management.

Fraud Management: Establish the possible triggers of frauds and revisit the set processes to eliminate

probability of such frauds.

Credit Analyst – Development Credit Bank Deputy Manager

(Credit & Risk)

Aug 2012 – July 2013

As a credit analyst, I assess the risk which the bank is bearing when it extends a credit facility to a client. The risk

profile of the client is captured through rating, financial analysis (working capital, ratio, capital structure analysis)

& assessment of limits. I exercise the necessary due diligence in the process. The core aspect of my current job is to

assimilate information from various sources, analyze them & report my findings in an appraisal note. The decision

to sanction the facility is arrived after thorough discussion & deliberation of the client’s risk profile with my

superior & colleagues. My job involves client interaction on a regular basis.

Credit Analyst – Axis Bank Deputy Manager

(SME Products)

Jun 2009 – Aug 2012

Responsibilities:

Credit Analysis of proposal of Corporate having turnover up to Rs.150.00 Crores and ticket size up to

Rs.25.00 Crores.

Has been involved in the financial analysis and Business Requirement Gathering and has interfaced with

business and teams for Projects

Conducting personal Discussion with the Customer and Site / plant visit /Collateral Visit

Summaries the risks and mitigates of doing the proposal.

Document the aspects of the customer that needs to be monitored (specific to that business) on an ongoing

basis (Commodity prices, health of large corporate on which the proposal is heavily dependent, govt.

policies, changes in tax applicable for the raw materials and finished products, etc)

Preparing the appraisal notes for the doable proposals.

Maintenance of Risk – Diversified Portfolio to curb the NPA levels within the acceptable limits.

Centre Support and BIU, Axis Bank Ltd, Pune

As the Centre – Support and MIS handling: -

Responsibilities:

Understand how to apply various tools, business intelligence systems, and large datasets to assess the

performance of marketing campaigns and to profile the customer base.

Work with various business units to determine, analyze, and identify improvements for optimizing

Marketing campaigns

Monthly key insights & analysis delivered in the form of a narrative tied to our causal framework

Quickly build-out standardized reporting based on requirements from the Client.

Collect and use data from various sources and systems to obtain key data metrics, and compile these into

both standard (daily, weekly, monthly, and quarterly) and ad hoc reports as needed.

Associate Engineer – Cometsol Infotech Pvt. Ltd. Technical Support Aug 2005 – Aug

2007

(24 months)

Responsibilities:

Extensive interaction with Product/Service Managers for requirement gathering and analysis

Was involved in all aspects of Product Design, including Development and testing of Product, Performance

Tuning of the Product, extending support for smooth Implementation of the Product

Interacted directly with multiple clients from banking domain on product improvement issues.

Acted as offsite coordinator for UK based Bank & worked in synchronizing the offshore and onsite team

Education

Qualification College/ University Year CGPA/%

PGP-FIN MITSOB, Pune 2009 72.00%

B.E(Computers) Fr. RIT, Islampur 2005 72.00%

XII Patna Science College, BSEB 2000 83.00%

X St. Josreph’s Convent High School, ICSE 1998 87.00%