P PREM ANAND
+91-900******* email@example.com LinkedIn- premanandp14
“Passionate about making people’s lives better through my profession.”
•Worked as Internal Auditor in HDFC Bank. Having 6.5 years of experience in Banking Industry.
•3 years in ICICI Bank as a Process Manager in Process risk and Audit.
•3.5 years in HDFC as Relationship Manager and Internal Auditor.
•Lead, plan, and perform operational audits. Keen understanding of Branch Banking, Agri business, Commercial, Consumer loans, Banking & Financial products, Lending Programs, Regulatory Compliance, Loan Portfolios, Documentation involved, Risk Assessment and Management etc.
Manipal University Bangalore, India
PG Diploma In Banking 2012 - 2013
•Graduated with First Class Honours and a CGPA of 7.8.
Sri Ramakrishna Institute of Technology Coimbatore, India
B.E in Electronics and Communication 2006 - 2010
• Graduated with First Class Honours and a CGPA of 6.9
HDFC Bank Ltd - Internal Auditor Coimbatore, India
Dec. 2017 –Sep.2019
Strategized coordinated and conducted on-site internal audits in Retail Branch Banking, Forex (Retail & Corporate), Sales process, ATM.
Executing audit testing to ensure audit fieldwork is focused on the right areas and documentation meets high quality standards.
Lead fraud investigation audit which lead to the successful prosecution.
Focused various analysis on KYC, AML fields.
Analysing transaction entries posted by branch, identifying and reporting revenue leakage.
Ensure regulatory compliance and adherence of internal process.
Reporting process lapses and other exceptions to management
Managed follow-up with auditee on audit results and implemented necessary resolutions.
Relationship Manager Chennai, India
Mar. 2016 - Dec. 2017
Responsible for Managing the High net worth customers. Ensuring the highest level of service
Enhancing relationships with existing customers and ensure quality new acquisition.
Engaging with customers and offering various products of bank and advising them on investments based on their profile and needs.
Responsible for cross sell of third party products like Life Insurance, Mutual Fund.
Managing operations like Account opening, Fixed deposits, Lockers, Forex etc.
Ensure KYC compliance while opening account and aware of fraudulent transactions.
Promoting banking channels and ensuring that the same to be utilized by customers.
Generating income to the bank by selling the products to the customer as per their needs.
ICICI Bank Ltd Chennai, India
Process Manager- Credit and Policy
Nov. 2012 - Dec 2015
Sound knowledge of Agricultural Financial products, such as KCC, TL for farm equipment, financing SHG, Agri Term Loans, Jewel Loan, Warehouse receipt funding etc.
Risk assessment in lending, Monitoring Credit process flow and primary Due diligence was among the major role and responsibility.
Carried out Branch visit for Jewel Loan and Warehouse visit for process audit.
Engagement with customers and verification of credit and sales process for rural financial products.
Engagement with Business, Credit and Policy teams by conducting review meetings to ensure compliance.
FPR for PAN India ICG audit report for Agri and JL – Releasing the report to Senior Management.
Successfully rolled out scorecard for PAN India ICG – Agri process audit team.
Appointed agencies to carry out customer visits and conducted trainings and reviews to the agencies.
Efforts towards reduction of overheads, and strict monitoring of cost controls to prevent cost overruns.
Honours & Awards
I made changes; – From Mr. Neeraj Dhawan (GM – Head for CPG and DSMG, ICICI Bank) Highlighted process lapses and Introduced new process change to ensure compliance.
Award for project completion, – From Mr. Sandeep Sethi (GM– Head for SIIG, ICICI Bank) Automation of process flow to reduce manpower intervention and TAT.
PB Income Achievement, - From Mr. L Sriram (Cluster Head, HDFC Bank)
P Prem Anand
Date of Birth
I assure that the information furnished above are true, complete & correct to the best of my knowledge.
P PREM ANAND