SANTOSH MOHANDAS

• Took care of effective channel management i.e. Direct sales Agents and Direct sales team effectively and reducing the cost of acquisition i.e. cost of acquiring clients through Agents and sales team for the organization by optimum management of the resources and increase the business and profitability. • Ensured strict adherence to company policy and compliance regulation and implementation of fair practice code. • Managed client’s financials and giving them advice on handling the credit effectively i.e. reducing the high rate debts by debt consolidation and reducing the risk rating of the customers. • Maintained a good Portfolio of the client and thereby benefiting the company to reap benefits out of the existing customers which provides further cross selling business. • Evaluated loan applications and documentation by confirming credit worthiness; improved loan applications and documentation by informing applicant of additional requirements. Approved loans in by issuing checks and forwarding applications to loan committee. • Completed loan contracts by explaining provisions to applicants; obtaining signatures and notarizations; collecting fees; helped customers by answering questions; responding to requests. • Maintained customer confidence by keeping loan information confidential. Motivated and guided the subordinates and thereby reducing the attrition rates. Accomplishing bank mission by completing related results as needed

• Has performed IS Audit for IDBI Bank and have reviewed process/procedures of Logical access control, physical access control. • Monitoring of RBAS (role based access control), reviews of access logs. • Review of self audit of IS Assets/ Information systems self audit compliance certificates etc. • Reviewed password policy of the organization, monitoring of BYOD devices and portable devices of the employees and its adherence to policies. • Monitoring/ review of the physical security of the network. • Review of retain ship policy of surveillance camera of the organization and its adherence to its policies. • Recon of IS Audit and its adherence to its IT Assets disposable policies. • Conducted walk through process of email/ password/ BCP & DRP exercises. • Review of outsourced agreement and checked against KPI (key performance indicators) reported deviations thereof. • Looking after credit audits of the corporate groups and have appraised overall risk assessment of the audit committee on the Sanction process, documentation, Security creation, disbursement, Revenue leakage follow up and monitoring. • Evaluating and analyzing credit risk, control, and systems are functioning as intended and will enable the organization’s objectives and goals to be met. • Reporting risk management issues and internal controls deficiencies identified directly to the audit committee and provide recommendations for improving the organization’s operations, in terms of both efficient and effective performance. • Preparing credit appraisal for proposals and have done thorough financial analysis of the clients businesses and have also appraised salaried clients for their eligibility of loans. • Appraising progressively the soundness, adequacy and application of the internal control systems and Evaluates information security and associated risk exposures. • Collecting and analyzing data to detect deficient controls, fraud, or non-compliance with laws, regulations, and management credit & IT policies. • Providing financial services managing several operational projects and identified opportunities to reduce costs and maximize profitability. • Preparing a solid MIS base for monthly reports highlighting the performance of the business with key findings and observations. • Developing a team of qualified analysts to provide continuous support to the management on all aspects of financial and commercial decision making. • Ascertaining whether Bank’s assets are properly safeguarded and assessing the reliability and integrity of information and reporting thereof. • Verifying compliance with establishing policies, procedures, guidelines, agreements, laws and regulations of the bank. • Identifying means to eliminate waste and misuse of resources, abuse, and other risks; recommending improvements relating to efficiency, economy, and effectiveness in the use of Bank resources. • Analyzing the peer companies, group companies, gearing ratios, excess borrowings etc during credit appraisals. • Checking the validity and enforceability of the loans documents with respect to the product guidelines and policies prescribed by the organization. • Analyzing the credit portfolio of the bank and raising early warning signals to the management in case of deteriorating quality of assets and slippages if any.