1. Neeti Shrimal
Achal B-402, Prem Nagar, Shanti Garden, Mira Road East, Thane – 401107
Mob: 9167416475, Email: neetishrimal21@gmail.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
finding (KAF).
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
PSL reports.
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.
Career History
Yes Bank Ltd- Mumbai
Senior Manager –Quality & Operational Risk (since Jan 2012 till date)
Key Responsibilities
Operational Risk:
 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
Credit Administration.
 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
Key Responsibilities
 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)
Key Responsibilities
 Manage team of 15 employees, responsible for processing retail asset customer requests within defined
TAT.
 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)
Key Responsibilities
 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.
Career Achievements
 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.

3. Academics
 Master of Business Administration (MBA) from IMS Indore (DAVV) in 2006
 B.Com from Jiwaji University in 2003
IT Skills
 Core Banking Software : Finnone, Finnacle, FCRM
 Office Tools : MS Office
 Operating System : Windows
Personal Particulars
 Date of Birth : July 21, 1982
 Marital Status : Married