Malvika Gulati

About Malvika Gulati

A goal-oriented, insightful and seasoned strategic leader & transformation agent, with over 18 years of experience in strategy consulting at Fortune 100 companies. Extensive experience building & leading transformational efforts. A strong track record of achievements in leading and enabling cross-functional alignment, transformation & delivering client-centered results. Fluent in bridging the gap between C-Level Executives, key stakeholder within the Lines of Business and technical executors; by providing solutions at the strategic and tactical level that support the company’s daily operations and future growth strategy.Specialties: • Enterprise Risk Management & Policy Development• Credit Administration & 2 LoD within the Banking Sector• Transformation Strategy / Business Transformation• Risk Mitigation & Financial Analysis• Risk Models & Underwriting Capability Roll-outsViews expressed are my own.

Experience

1. Senior Vice President - Principal Credit Advisor

   First Citizens Bank

   Mar 2026 — Present

   Build & support 2LOD in credit risk policy development across all payment products. Provide credit oversight for Card, ACH, Payment Facilitation and credit risk for all existing including new product development. Integrate and align to common credit standard and underwriting methodologies across the credit organization. Build, develop & roll out new Enterprise Valuation Platform across the Enterprise.

Education

• Indiana University - Kelley School of Business

  Masters in Business, Operations & Decision Sciences

• Indiana University Bloomington

  Masters, Computer Science

Skills

• Internal Controls
• Risk Management
• Management Consulting
• Access
• Management
• Business Analysis
• Sdlc
• Information Security
• Analytics
• Consulting
• Leadership
• Governance
• Business Process Improvement
• Software Development Life Cycle (Sdlc)
• Business Process
• Outsourcing
• Information Security Management
• Business Transformation
• IT Strategy
• Project Management Office (Pmo)
• Sarbanes-Oxley Act
• Program Management
• Financial Services
• Project Management
• Cross-Functional Team Leadership
• Information Technology
• Strategy
• Vendor Management
• Data Analysis
• Process Improvement