Dalia Mitra

About Dalia Mitra

Finance and Audit professional with 8+ years of total experience, including 5+ years as a…

Experience

1. Asst Manager - Concurrent Audit-sel

   Bandhan Bank

   Aug 2020 — Present · Guwahati, IN

   As a Bank Concurrent Auditor with over 5 years of experience, I specialize in auditing and evaluating key banking operations across Small Enterprise Loans (Unsecured), Housing Finance Loans (Secured), and Branch Banking Audit. My primary responsibility is to conduct independent, objective, and risk-focused audits to ensure full compliance with regulatory guidelines, internal policies, and industry best practices.This includes reviewing loan documentation, financial records, and daily operational procedures to detect irregularities, assess internal controls, and improve overall compliance and governance standards.Key Responsibilities:Loan Portfolio Audit – Detailed audit of unsecured Small Enterprise Loans and secured Housing Finance to ensure accuracy, eligibility, and documentation compliance.Risk Assessment and Mitigation – Identifying financial, operational, and credit risks; implementing audit checks and recommending control measures.Compliance and Regulatory Audit – Monitoring adherence to RBI guidelines, KYC/AML norms, and internal SOPs.Reporting and Communication – Preparing daily, monthly, and exception-based reports with audit findings and insights for branch management and higher authorities.Special Audits – Involvement in audits beyond lending operations, including Third-Party Vendor Audits, Asset Verification, System Audits, and General Branch Banking (cash, clearing, suspense accounts, etc.).

Education

• West Guwahati Comm. College

  Bachelor of Commerce - BCom