Apeksha Kulkarni

Analytical and results-driven Financial Analyst with 6+ years of experience in reconciliation, general ledger accounting, and financial reporting across banking and insurance domains. Skilled in streamlining processes, ensuring compliance, and improving operational efficiency through automation and cross-functional collaboration. Recognized for accuracy, attention to detail, and strong stakeholder communication in fast-paced environments.

Financial analyst - Insurance recs team at Tata Consultancy Services (2022-01 – Present)

Manage end-to-end reconciliation of accounts under the Sonata policy, ensuring accuracy and compliance with internal controls.

• Manage end-to-end reconciliation of accounts under the Sonata policy, ensuring accuracy and compliance with internal controls.
• Investigate and resolve discrepancies across banking, ledger, and trade data to support audit readiness.
• Prepare accruals, variance analysis, and monthly interest journal entries for the general ledger.
• Contribute to process migration and automation initiatives, reducing reconciliation time by 15%.
• Train new team members and maintain detailed documentation of reconciliation workflows.
• Commended by senior management for process improvement and client satisfaction initiatives.

Financial analyst - ETD recs at Tata Consultancy Services (2018-01 – 2022-01)

Completing the reconciliation reports for exchange traded derivatives (ETD) on daily basis and escalating any issues as needed.

• Completing the reconciliation reports for exchange traded derivatives (ETD) on daily basis and escalating any issues as needed.
• Ensuring cash and trade reconciliation are delivered to the finance team and stakeholders within agreed SLA.
• Working on audit pack reports and combine margin summary of all traders and recs.
• Liaising with multiple Risk, Business and Operations stakeholders over mail or calls.

M.Com in Finance and Accounts – IGNOU (2024-01)

PG Diploma in Corporate and Business Law – Symbiosis Centre for Distance Learning, Pune (2022-01 – 2022-12)

B.A.F in Bachelor of Accounts & Finance – Mumbai University, VPM's RZ College (2015-01 – 2018-12)