Gopika N K

• Set up risk governance structures, internal controls, and COSO-aligned risk frameworks for finance, banking, and government
entities in the UAE & KSA, supporting IPO readiness.
• Established ICFR frameworks, risk-control matrices, and control testing methodologies, ensuring regulatory compliance across
UAE & KSA jurisdictions.
• Developed finance policies, delegation of authority frameworks, and governance documents (Internal Audit Charter, Risk &
Compliance Policies) for a KSA financial institution.
• Designed and executed end-to-end Internal Audit functions for GCC insurance brokers, construction, and payment gateway
companies, ensuring CBUAE compliance.

• Assessed and approved unsecured business loan proposals through financial statement, cash flow, and credit bureau analysis,
ensuring adherence to credit policy and risk appetite.
• Monitored portfolio health and early warning signals to manage delinquencies and maintain asset quality.
• Mentored junior team members and liaised with zonal and central credit teams on policy updates and risk mitigation across South
India.

• Led risk-based internal audits across branches and corporate departments, evaluating controls and ensuring adherence to RBI
guidelines.
• Prepared and presented comprehensive audit reports and financial documentation to senior management and the audit
committee.

• Managed Group Accounting and periodic closing of books for multiple US-based clients, preparing financial statements under US
GAAP.
• Conducted financial data analysis and managed AP/AR, intercompany transactions, and reconciliations to support process
improvements.

• Conducted statutory, internal, and tax audits across NBFCs, manufacturing, and service sector clients.
• Filed income tax, TDS, and GST returns in compliance with statutory deadlines while mentoring junior team members.