Abhishek Rathi

About Abhishek Rathi

At Axis, I focus on shaping the future of fintech by driving digital assurance, governance, and process innovation across financial institutions. My work centers on strengthening controls in digital lending ecosystems, ensuring AI model transparency, and embedding data governance into core financial processes.With a strong foundation in internal audits, process reviews, IFC testing, and regulatory compliance, I bring a risk-based approach to assessing emerging technologies. I’ve conducted model validations for AI-driven estimation frameworks and evaluated data integrity controls within blackbox systems — helping clients build trust, reduce risk, and scale responsibly.Previously at Kotak811, I led audits that transformed onboarding and cross-sell journeys, delivering measurable gains in process efficiency and compliance robustness.I’m passionate about enabling secure, compliant, and scalable innovation in the financial sector — ensuring that digital acceleration is matched by sound governance.

Experience

1. Assistant Vice President

   Axis Bank

   Feb 2025 — Present · Mumbai, IN

   Audit Intelligence and digital transformationsSpecialist in digital lending audits, fintech platform risk assessments, and RBI-aligned digital governance. Strong analytical skills with proven ability to design resilient control frameworks and manage complex regulatory environments. Recognized as a Subject Matter Expert in digital lending audits, with strong expertise in evaluating bank-led digital platforms and third-party fintech ecosystems, including Google Pay, INDmoney, Angel One, and similar entities.

Education

• Rajasthan Technical University, Kota

  RAS-CIT, Information Technology

• The Institute of Chartered Accountants of India

  Chartered Accountant

• Maharshi Dayanand Sarswati University

  Bachelor of Commerce (B.Com.), Business/Commerce, Accountancy, Taxation

  2011 — 2014

• Maharshi Dayanand Sarswati University

  M.com (ABST)

  2015 — 2016