Vipita Paul

Banking operations and data management professional with more than eight years of experience in financial services, including deputy leadership roles at ICICI and HDFC Bank. Experienced in transaction and account reviews, exception monitoring, variance analysis, reconciliations, management reporting and operational controls. Skilled at investigating discrepancies, identifying patterns in financial data and explaining findings to stakeholders.

Brings SQL Server data management exposure, an MBA in Banking and Finance, and a practical understanding of risk and compliance in banking operations.

Deputy Branch Lead at ICICI Bank (2022-03 – 2023-07)

• Oversaw operational controls and account reconciliations for a branch portfolio of approximately 1,200 accounts, reviewing discrepancies and supporting accurate financial records.
• Monitored payment and treasury-related operations, including SWIFT transactions and liquidity requirements, with attention to processing accuracy and financial risk.
• Reviewed transaction reports and banking documentation for compliance with applicable requirements and internal controls; escalated exceptions when needed.
• Investigated complex customer and banking escalations, identified underlying issues and coordinated resolutions across relevant teams.
• Led and coached a team of 18-20 employees, reinforcing data integrity, documentation standards and consistent operating procedures.

Deputy Lead at HDFC Bank (2019-12 – 2021-08)

• Led account reconciliation and financial reporting activities, analysing differences between general ledger balances and bank statements.
• Prepared monthly variance reports and exception logs for management review, highlighting outstanding settlement and SWIFT mismatches.
• Investigated discrepancies, tracked open items and worked with colleagues to clear exceptions and improve reporting reliability.
• Supported dashboards, data-quality practices and process documentation to make operational findings more useful for decisions.
• Trained team members on reporting processes, controls and accurate data capture.

Assistant Lead at Axis Bank (2017-01 – 2019-09)

• Reviewed daily account transactions, reconciliations and exception reports to identify discrepancies and support accurate branch records.
• Assisted with operational control checks, compliance documentation and timely escalation of unusual transactions or unresolved items.
• Prepared periodic variance summaries and tracked outstanding reconciliation items, coordinating with internal teams to resolve differences.
• Handled customer account concerns and payment-related escalations, investigating root causes and following through on resolutions.
• Supported colleagues with reporting accuracy, standard procedures and consistent documentation practices.

Data Management Officer at ANZ Bank (2014-12 – 2016-07)

• Maintained banking customer and account data, monitored variances and supported account reconciliation activities.
• Designed and maintained SQL Server master data structures to help reduce duplicate customer records and improve data consistency.
• Reviewed data patterns and reporting outputs, documented procedures and helped strengthen data accuracy and governance.
• Trained frontline staff in data-entry standards and quality checks.

Warehouse Associate at Amazon (2025-04 – 2025-09)

• Shipment quality checks, inventory accuracy and exception documentation.

Cashier at Dollarama (2024-08 – 2024-12)

• Cash reconciliations, payment discrepancy review and daily variance reporting.

Graduate Certificate in Supply Chain Management – Humber College (2025)

Postgraduate Studies in Strategic Global Business Management – Conestoga College (2024)

Master of Business Administration in Banking and Finance – Manipal University (2017)

Bachelor of Commerce – St. Annes (2013)