Mr. Giridhari Behera holds an MBA (Finance) from Alagappa University, Tamil Nadu & B. Com (Hons) from Utkal University, Odisha and done certification in flagship courses i,e JAIIB, CAIIB (Risk Management), AML & KYC and Risk in Financial Services from IIBF, Mumbai. He is a result-oriented Audit & Risk Catalyst with more than 19 years of experience in BFSI sector. His expertise exists in Risk Based Internal Audit (RBIA), Integrated Operational Risk, Credit Risk, Market Risk and Fraud Risk Management (FRM), He was associated with BASIX, Ujjivan Financial Services, Jana Small Finance Bank. His last assignment was with Satin Creditcare Network Ltd as Chief Risk Officer before joining PAHAL in August 2021 as Head Audit & Risk. Mr. Behera was an instrumental team member in setting up Internal Audit and Fraud Risk Management Function in Ujjivan and Jana Small Finance Bank and he has successfully established the risk function in SATIN.