Amitha P Varghese
Wholesale Banking Operations
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About
Finance professional with 11 years of experience in accounts payable and accounts receivable, KYC/Aml, branch banking, wholesale banking operations, financial accounting, customer relationship management, audit compliance, trade operations, retail assets, fraud detection, and business development. Experienced in branch operations, HNI and high-value customer service, team handling, loan disbursals, export trade operations, retail liability operations, and process accuracy. Completed a one-year Master Program in Business Analysis for Professionals through Simplilearn from April 2022 to June 2023.
Experience
Wholesale Banking Operations - HDFC Bank Ltd
(2023-09 - 2026-09)
- Handle wholesale banking operations, including export trade operations.
- Support retail asset operations, including loan disbursals and related updates such as RC, invoices, and insurance.
- Manage retail liability activities, including account opening and related instructions.
- Streamline operations with a focus on accuracy and error-free processing.
- Consistently support good audit ratings, work discipline, and trusted customer relationships.
Branch Operations Manager - Esaf Small Finance Bank Ltd
(2020-02 - 2022-01)
- Served as the operations head of the branch and handled overall branch operations and audit parameters.
- Managed branch teams and supported achievement of income targets.
- Managed HNI clients and supported branch value growth through existing-customer development and new customer acquisition.
- Ensured high-quality customer service and handled customer grievances.
- Received a Vigilance Award and Branch Banking Head appreciation for fraud customer detection.
Deputy Manager - ICICI Bank Ltd
(2019-04 - 2019-11)
- Managed branch banking operations and daily customer service activities.
- Built customer relationships and provided priority service to high-value customers.
- Sourced business through cross-selling.
- Managed customer relationship activities and supported family banking.
- Delivered high-quality service to support customer retention.
Customer Service Officer - Axis Bank Ltd
(2016-04 - 2019-04)
- Managed daily banking operations and customer service activities.
- Provided high-quality service to HNI customers.
- Maintained customer profiles to support family banking and relationship management.
- Received recognition for winning Life Insurance and Mutual Funds sales contests in 2019.
Financial Associate - Xerox Business Services India Private Limited
(2014-07 - 2016-04)
- Worked in Accounts Payable within the Travel and Expense team, auditing employee business trips.
- Supported SAP access and onboarding processes for newly hired and promoted employees.
- Updated employee educational qualifications and personal data in Human Resource Outsourcing processes.
- Supported Material Data Management activities, including Samples, Intra Group (IG), M&L Notice, and large-scale material-related activities.
Education
Master Program - Business Analysis for Professionals - Simplilearn (2022-04 - 2023-06)
Master of Business Administration - Finance - Marian International Institute of Management, Kerala (2013)
Bachelor of Commerce - Finance - Kristu Jayanti College, Bengaluru (2011)
