Vikash kumar Bidyanand yadav

• Directed a 3-member audit team overseeing financial and operational audits
Entire Punjab and West UP Branch.
• Led end-to-end audit fieldwork, providing guidance, progress tracking, and
actionable feedback to the team.
• Designed and executed risk-based audit frameworks tailored to rural and
small enterprise financing operations.
• Partnered with cross-functional teams to identify process inefficiencies,
enhance credit and compliance mechanisms, and reduce operational risk.
• Produced comprehensive audit reports with actionable recommendations,
driving cost efficiency and improved controls.

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• Spearhead credit appraisal operations by verifying KYC, income proofs, bank
statements, and CIBIL reports to ensure robust credit risk evaluation.
• Conduct in-depth assessment of borrower repayment capacity, leveraging
alternative data to enhance credit decisioning beyond traditional proofs.
• Detect and mitigate potential frauds, preventing bad debts and ensuring strict
adherence to RBI guidelines.
• Strengthen portfolio quality by implementing effective NPA control strategies
and risk mitigation measures.
• Mentor and train credit officers and sales staff on documentation best
practices and compliance protocols, boosting operational efficiency.
• Directed a 4-member audit team overseeing financial and operational audits
for 24 branches across Rajasthan.
• Led end-to-end audit fieldwork, providing guidance, progress tracking, and
actionable feedback to the team.
• Designed and executed risk-based audit frameworks tailored to rural and
small enterprise financing operations.
• Partnered with cross-functional teams to identify process inefficiencies,
enhance credit and compliance mechanisms, and reduce operational risk.
• Produced comprehensive audit reports with actionable recommendations,
driving cost efficiency and improved controls.

• Managed a team of 4 Internal Auditors, overseeing financial and operational
audits for 24 branches across Rajasthan.
• Led end-to-end audit fieldwork, providing guidance, progress tracking, and
actionable feedback to the team.
• Designed and executed risk-based audit frameworks tailored to rural and small
enterprise financing operations.
• Partnered with cross-functional teams to identify process inefficiencies,
enhance credit and compliance mechanisms, and reduce operational risk.
• Produced comprehensive audit reports with actionable recommendations,
driving cost efficiency and improved controls.

• Managed a portfolio of high-net-worth clients, delivering customized 360°
banking solutions to meet diverse financial needs.
• Boosted retail product penetration by facilitating CASA account openings,
increasing FD investments, and promoting retail loans (auto, personal, and
credit).
• Strengthened client retention and satisfaction through consultative financial
advisory and relationship-building strategies.

• Executed internal audits and fraud investigations across branches in four
states, ensuring operational integrity and regulatory compliance.
• Analyzed root causes of NPAs and implemented process redesigns to reduce
credit risk and portfolio slippage.
• Delivered regulatory training and reinforced adherence to internal controls,
improving compliance culture at the branch level.
• Facilitated timely execution of audit findings and corrective measures,
enhancing operational efficiency.

• Conducted comprehensive audits of micro-credit disbursements in both rural and urban branches to ensure credit
discipline.
• Reviewed group loan formations, client onboarding procedures, and credit risk adherence to minimize operational gaps.
• Collaborated with branch teams to identify audit discrepancies, recommend corrective actions, and strengthen process
compliance.