1. Neeti Shrimal
Achal B-402, Prem Nagar, Shanti Garden, Mira Road East, Thane – 401107
Mob: 9167416475, Email: email@example.com
Synopsis: Banking professional with 9 years of experience in varied banking processes, RCSA testing &
monitoring quality controls, regulatory reporting, operational risk management, process development &
improvement, retail asset branch operations, client servicing and team management.
AREAS OF EXPERTISE
RCSA Testing & Monitoring Quality Control: Design and implement control risk assessments for various
processes. Conduct RCSA testing on periodic basis to identify product/ process gaps. Evaluate current risk &
controls and identify new risk & controls for various activities based on exception reports, audit score, key audit
Regulatory & Internal reporting: Perform data analytics for management review. Regulatory reporting of RBS
data for collateral related data points on quarterly basis as per RBI guidelines, SMA reporting & reporting of other
Quality & Process Management: Evaluate modern technologies/regulatory requirement to carry out
modifications in process attributes in coordination with the business team. Analyse, develop & implement new
business processes. Ensure the processes and policies are compliant and streamlined within the Regulatory
Guidelines. Drive initiatives/projects for continual improvement.
Retail Asset Operations: Manage retail loan portfolio during various stages of loan life cycle:
• Disbursement & Banking of repayments.
• Service post disbursement requests (Reschedule, Refund, Closure, Storage & Delivery)
• Client servicing.
Yes Bank Ltd- Mumbai
Senior Manager –Quality & Operational Risk (since Jan 2012 till date)
Evaluate current risk & controls and identifying new risk & controls for various activities based on process
reviews, exception reports, audit score, key audit finding (KAF).
Conduct process walkthroughs to analyse and evaluate the design effectiveness of control identified
through RCSA process.
Conduct RCSA testing on periodic basis to ensure operational efficiency and identify process gaps for
Reporting of KRIs and various risks related reports to Top management.
Perform root cause analysis for variance & control failures and identify corrective action.
Regulatory & Internal Reporting:
Reporting of RBS data for collateral related data points on quarterly basis as per RBI guidelines.
Regulatory reporting for SMA & priority sector loans as required by RBI.
Prepare Schedule 9 data for Balance sheet disclosure.
Prepare various internal reports and data analytics for management review.
Share Credit Information of clients with other participating banks on quarterly basis.
2. Quality Assurance:
Analyse various processes and recommend process changes to initiate cost savings, optimize resources
and enhance operational efficiency.
Ensure the processes and policies are compliant and streamlined within the regulatory guidelines.
Drive quality improvement initiatives/projects for continual improvement.
Monitor Business Continuity Plan (BCP) through BIA for Credit Administration group & conduct testing for
all units to ensure continuity of business in case of disaster.
Manage corporate banking vendors and execute payouts.
ICICI Bank Ltd
Positions held in ICICI Bank (May 2006 till Dec 2011)
(2009 - 2011): Process Manager for Retail and Rural Operations
Represent retail & rural operations in the product and process approval committee.
Regulatory reporting for priority sector loans as required by RBI.
End to end documentation for new launches including SOX and operating guidelines.
Handle customer escalations and RBI queries.
Supervise the preparation of MIS reports to provide feedback to top management on performance, viz.
customer accounts, loan portfolio etc.
Conduct root cause analysis for Operational risk and Fraud risk.
(2008 - 2009): Team Manager (Customer service request processing team)
Manage team of 15 employees, responsible for processing retail asset customer requests within defined
Reschedule loan terms like ROI, tenure, EMI etc. as per customer request.
Manage other requests like closure, refund, and other deliverables.
Maintain/ process TAT to ensure timely resolution to end customers.
(2006 - 2008): Branch Operation Manager (Retail Asset Operations)
Manage & motivate a team of 11 employees to co-operate & contribute towards the achievement of their
professional & organizational goals
Conduct non-discrepancy checks of the documents and papers required for the loan to avoid operational
as well as business risk.
Maintain disbursement TAT to ensure the growth of business, involved in delinquency management and
reconciliation of disbursement a/c.
Handle customer escalations and grievances.
Six sigma (Green belt) certification for reducing multiple assignments of service requests from 69% to
25% in 2009.
Decentralized the Rural operations, saving cost of INR 43.5 million.
Successfully conducted the migration of Erstwhile Bank of Rajasthan Loan accounts to Finnone system
used by ICICI Bank in 2011.
Achieved first position in 2008 at PAN India level for cross selling ICICI Prudential insurance products.
Have successfully driven, “Stay connected” project for 8 Asset branches in Madhya Pradesh.
Achieved best score in Balance scorecard for Gwalior branch in 2008.
Master of Business Administration (MBA) from IMS Indore (DAVV) in 2006
B.Com from Jiwaji University in 2003
Core Banking Software : Finnone, Finnacle, FCRM
Office Tools : MS Office
Operating System : Windows
Date of Birth : July 21, 1982
Marital Status : Married