RISK / FRAUD MANAGEMENT / COLLECTIONS
SHIV SANTOSH GUPTA
+91 9999028922
Shivguptas@gmail,com
New Delhi
CONTACT
EDUCATION
PGDBM from Birla Institute of
Management Technology, Delhi in
2003
CORE COMPETENCIES
Strategic Planning
Risk Advisory
Project Management
Fraud Investigation
Reporting & Documentation
Audits & Investigation
Risk Analysis & Mitigation
Transaction Monitoring
Process Automation
Regulatory Compliance
Incident Capture & Analysis
Reporting / Risk and
Controls Assessments
TECHNICAL SKILLS
• MS Office
• Internet Applications
Result-oriented professional targeting challenging assignments which involves
analytical capabilities & professional growth in Fraud Control Unit
PROFILE SUMMARY
• A multi-faceted seasoned professional with overall experience of +20 years of
rich experience in Risk, Fraud Control Unit & Collections across multiple
geographies & with large team spread across different locations across India.
• Comprehensive understanding of fraud risks, and risk management processes to
identify, monitor & mitigate fraud risks within the organization
• Proficient in analysing moderate to complex account activity utilizing various
fraud tools to detect and prevent fraudulent activity
• Devised risk policies, managed, and implemented effective mechanisms to
mitigate the same
• In-depth knowledge of fraud attributes around pattern detection, historical fraud
trends, out of pattern anomalies, industries susceptible to fraud and positive
history
• Hands-on experience in recruitment, training & supervision of a team of FCU
managers & officers
• Skilled in conducting research to identify all possible avenues to the recovery of
funds and/or property obtained fraud, and coordinate with appropriate law
enforcement agencies to help identify and facilitate the prosecution of the
person(s) perpetrating such fraud
• Track record of ensuring compliance with established bank policies and
procedures, supporting the Fraud Risk- Management Integrated Framework
• Evaluated Operational Risk Management Governance – Annual Policy Review of
Global Operational Risk Framework; Third-Party (TP) Risk Governance – TP
• Program & Risk Management Lifecycle; Fraud Management; Operational Risk
Incident Reporting; and Risk Capital Calculation review
• Effectively communicated emerging and/or changing risk and related control
opportunities and enhancements to senior management
• Possess excellent analytical, problem-solving, and organizational skills & has the
capability to work independently and handle multiple projects
• Developed the risk management strategy; designed and held risk management
workshops with senior management to identify key risks and action plans;
benchmarked risk disclosure against other leading companies
• Developed the Group Risk Management strategy and implemented a supporting
infrastructure; monitored and tracked risks on a monthly basis
• Standardized Risk Management scoring and methodology across the business,
including use by external parties
• Partnered the development of the Compliance & Risk Management Committee
(CRMC) program and broad risk assessments spanning functions such as
financial, legal & ethical, regulatory, and so on which resulted in enhanced risk
focus and management engagement
AWARDS & ACHIEVEMENTS
• Won Dronacharya Award in AU Small Finance Bank for training & mentoring
RCU / Credit and Business team on latest fraud trends & prevention mitigates.
• Won Gold Star Award in HDFC Bank for significant Contributions for Fraud
prevention & transaction monitoring in 2018-19
• Won Silver Star Award thrice in HDFC Bank for significant investigation of
payment business investigations from 2011 to 2017.
• Won Cross Sales Excellence award in HDFC Bank for 2013-14.
• Won Collection Champs Award in CitiFinancial for 2010-2011
• Won Collection Premier League Award in CitiFinancial for Feb to Apr 2010
 CAREER TIMELINE

June ‘01 Jul’07 Aug’13 Jun’17 Jul’18 Aug’19 Dec’21

Feb ‘04 Jun’07 Jul’13 Jun’17 May’18 Aug’19 Dec’21 Present
CitiFinancial Capital First HDB Financial Clix Capital Services Axis Finance EqCap Venture
Credit

Cards)

WORK EXPERIENCE

July’22-Present: Vice President

IndusInd Bank Ltd., Delhi
Department: Risk Control Unit, Unsecured Loans, North & East Head
Key Result Areas:
• Formulating policies of all the units, ensuring staff training as well as working on cost optimization
• Mitigating risk/frauds for all the products across the region
• Identifying fraud-related activities & developing policies, strategies & processes in fraud tools
• Analyzing negative /fraud trends in different product portfolios & working in close associations with other functions like
credit/sales/collections & operations to provide valuable feedback/support in the implementation of policy changes
• Independently managing the budgeting of the Fraud Control Unit Department
• Recruiting, training & supervising a team of FCU Managers & Officers
• Implementing fraud scenarios basis fraud risk assessment to deploy a surveillance environment ensuring effectiveness,
efficiency & customer experience
• Contributing to the development and implementation of fraud risk processes, tools, policies, standards, and procedures in
alignment with the Enterprise Risk Framework Program
• Maintaining awareness of key process changes, system changes, organization or governance structure, and key outsourcing
arrangements/vendor exposure and how they impact operational risk management
• Assisting management in the development and implementation of the anti-fraud control activities both preventive and detective
controls
• Adhering to all regulatory filing timelines; following policies and procedures, completing tasks correctly and on time, and
supporting the company’s goals and values
• Managing deadlines & stakeholder expectations, leading / participating in projects within assigned areas of responsibility
• Defining the risk management framework for the department & ensuring that the highest level of quality was maintained
• Strengthening relationships with business partners & risk control functions
• Fostering an environment of regulatory awareness & ensuring regulatory compliance

Sep’20-July’22: AVP
AU Small Finance Bank Ltd. Jaipur
Department: Risk Control Unit
Key Result Areas
• Reviewed existing policies to make it more effective & robust
• Digitized the processes of the unit & created MIS reports through daily dashboards
• Worked on fraud investigations & liaised with the law enforcement agencies for appropriate action on the identified fraud cases

Apr’11-Sep’21: State Head

HDFC Bank Ltd. – Uttar Pradesh
Department: Risk Control Unit
Key Result Areas
• Worked on policy formulation of the unit and digitization of the FCU process
• Conducted awareness trainings & set-up whistle blower mechanisms
• Recommended policy changes from an operational risk perspective to make the internal framework more robust
• Monitoring accounts to identify outstanding debts, investigating historical data for each debt as well as contacting clients for
their overdue payments
• Performing operational risk & and assessment in business units while implementing strategic plan to prevent, eliminate &
mitigate operational risks
• Investigating root causes of operational risks & providing support to mitigate risk while coordinating with senior management
in performing operational risk reviews
)

WORK EXPERIENCE

Nov’07-Mar’11: Assistant Manager

CitiFinancial Consumer Finance India Ltd. – New Delhi
Department: Credit and Risk

Key Result Areas:

• Formulating policies of all the units, ensuring staff training as well as working on cost optimization
• Mitigating risk/frauds for all the products across the region
• Identifying fraud-related activities & developing policies, strategies & processes in fraud tools
• Analyzing negative /fraud trends in different product portfolios & working in close associations with other functions like
credit/sales/collections & operations to provide valuable feedback/support in the implementation of policy changes
• Independently managing the budgeting of the Fraud Control Unit Department
• Recruiting, training & supervising a team of FCU Managers & Officers
• Implementing fraud scenarios basis fraud risk assessment to deploy a surveillance environment ensuring effectiveness,
efficiency & customer experience
• Contributing to the development and implementation of fraud risk processes, tools, policies, standards, and procedures in
alignment with the Enterprise Risk Framework Program
• Maintaining awareness of key process changes, system changes, organization or governance structure, and key outsourcing
arrangements/vendor exposure and how they impact operational risk management
• Assisting management in the development and implementation of the anti-fraud control activities both preventive and detective
controls
• Adhering to all regulatory filing timelines; following policies and procedures, completing tasks correctly and on time, and
supporting the company’s goals and values
• Managing deadlines & stakeholder expectations, leading / participating in projects within assigned areas of responsibility
• Defining the risk management framework for the department & ensuring that the highest level of quality was maintained
• Strengthening relationships with business partners & risk control functions
• Fostering an environment of regulatory awareness & ensuring regulatory compliance

Jan’07-Nov’07:Bucket Manager
Kotak Mahindra Bank (Prime) Ltd.
Jaipur
Department: Collections
Key Result Areas
• Reviewed existing policies to make it more effective & robust
• Digitized the processes of the unit & created MIS reports through daily dashboards
• Worked on fraud investigations & liaised with the law enforcement agencies for appropriate action on the identified fraud cases

Jan’06-Jan’07:Bucket Manager
GECBPMSL (GE – SBI Credit Cards) – New Delhi
Department: Collections
Key Result Areas
• Worked on policy formulation of the unit and digitization of the FCU process
• Conducted awareness trainings & set-up whistle blower mechanisms
• Recommended policy changes from an operational risk perspective to make the internal framework more robust
• Monitoring accounts to identify outstanding debts, investigating historical data for each debt as well as contacting clients for
their overdue payments
• Performing operational risk & and assessment in business units while implementing strategic plan to prevent, eliminate &
mitigate operational risks
• Investigating root causes of operational risks & providing support to mitigate risk while coordinating with senior management
in performing operational risk reviews
  Mar’04-Dec’05: Agency Manager
Hutchison Essar Telecom Ltd.- New Delhi
 Department: CMG
Key Result Areas:
• Formulating policies of all the units, ensuring staff training as well as working on cost optimization
• Mitigating risk/frauds for all the products across the region
• Identifying fraud-related activities & developing policies, strategies & processes in fraud tools
• Analyzing negative /fraud trends in different product portfolios & working in close associations with other functions like
credit/sales/collections & operations to provide valuable feedback/support in the implementation of policy changes
• Independently managing the budgeting of the Fraud Control Unit Department
• Recruiting, training & supervising a team of FCU Managers & Officers
• Implementing fraud scenarios basis fraud risk assessment to deploy a surveillance environment ensuring effectiveness,
efficiency & customer experience
• Contributing to the development and implementation of fraud risk processes, tools, policies, standards, and procedures in
alignment with the Enterprise Risk Framework Program
• Maintaining awareness of key process changes, system changes, organization or governance structure, and key outsourcing
arrangements/vendor exposure and how they impact operational risk management
• Assisting management in the development and implementation of the anti-fraud control activities both preventive and detective
controls
• Adhering to all regulatory filing timelines; following policies and procedures, completing tasks correctly and on time, and
supporting the company’s goals and values
• Managing deadlines & stakeholder expectations, leading / participating in projects within assigned areas of responsibility
• Defining the risk management framework for the department & ensuring that the highest level of quality was maintained
• Strengthening relationships with business partners & risk control functions
• Fostering an environment of regulatory awareness & ensuring regulatory compliance

Jun’01-Feb’04: Sr. Executive

Centurion Bank Ltd. – New Delhi
Department: Collection, Legal and Recovery
Key Result Areas
• Reviewed existing policies to make it more effective & robust
• Digitized the processes of the unit & created MIS reports through daily dashboards
• Worked on fraud investigations & liaised with the law enforcement agencies for appropriate action on the identified fraud cases

SOFT SKILLS
• Worked on policy formulation of the unit and digitization of the FCU process
• Conducted awareness trainings & set-up whistle blower mechanisms
• Recommended policy changes from an operational risk perspective to make the internal framework more robust
• Monitoring accounts to identify outstanding debts, investigating historical data for each debt as well as contacting clients for
their overdue payments

PERSONAL DETAILS
Date Of Birth: 12th November 1977
Languages Known: English,Hindi
Address: Dwarka,Delhi
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