Niharika Gundecha

About Niharika Gundecha

As a Chartered Accountant, I am dedicated to putting my best foot forward in every…

Experience

1. Audit Executive

   IDFC FIRST Bank

   Apr 2024 — Present · Mumbai, IN

   Internal Audit – Wholesale Banking, Retail Asset TeamManaged end-to-end audits across various departments, across the full audit lifecycle—planning, engagement letter, fieldwork, remedial actions, and closures.Key areas of involvement include-Product Audit - Two-Wheeler Loans: Conducted Audit of TW Loans covering areas such as underwriting, disbursement, loan foreclosure / cancellations, credit assessment, security valuation, documentation, etc- Process Audit – Credit Administration Department (CAD): Conducted audit of the Credit Administration Department, covering areas such as documentation, stamp duty payments, exposure reporting, CRILC reporting, covenant monitoring, limit loading and disbursement, post-disbursement monitoring, security charge creation, and facility closures- Process Audit – Securitized Products: Conducted audits of portfolio buyouts and selldowns through Direct Assignments (DA) and Pass-Through Certificates (PTC), ensuring alignment with internal guidelines and regulatory requirements- Process Audit – Credit Syndication: Managed audits of syndication loans, examining key operational and compliance aspects to ensure internal controls were followed- Process Audit – Marketing: Handled audits of the Marketing Department, covering processes such as sponsorships, outdoor advertisements, branch branding, social media, websites, vendor onboarding, and invoicing.Event Hosting & Offsite Engagement: Actively participated in and hosted internal event, fostering collaboration and knowledge-sharing.

Education

• Mumbai University

  Bachelor of Commerce - BCom

  2019 — 2022

• Dr. S. Radhakrishnan Vidyalaya

  10

• The Institute of Chartered Accountants of India

  Chartered Accountant