Krishna Nair

Banking Operations and Risk Management professional with 5+ years of accelerated advancement at a premier private sector bank. Proven expertise steering large-scale retail loan portfolios, optimizing credit hygiene, and enforcing AML/KYC regulatory compliance frameworks. Track record of managing cross-functional teams, driving risk mitigation strategies, and leveraging digital banking platforms to enhance operational efficiency.

Pivoting toward high-impact Operations and Risk Management roles within global FinTech ecosystems and MNCs.

Manager, Operations & Risk - The Federal Bank Ltd.

(2026-02)

• Spearheaded branch-level operational workflows and digital banking initiatives, streamlining cross-departmental execution and measurably reducing transaction turnaround times (TAT) across all service channels.
• Enforced 100% adherence to Reserve Bank of India (RBI) regulations, AML guidelines, and internal credit risk policies across daily high-volume banking operations, maintaining zero compliance violations.
• Directed and mentored a team of banking associates, aligning task allocations with individual skill matrices to optimize productivity and consistently exceed branch performance targets.

Assistant Manager, Operations & Loan Processing - The Federal Bank Ltd.

(2023-03 - 2026-01)

• Monitored retail loan documentation and underwriting parameters for high-value portfolios, maintaining strict credit hygiene standards and achieving zero-defect outcomes across all compliance audits.
• Formulated proactive tracking strategies for Special Mention Accounts (SMAs) and Non-Performing Assets (NPAs), significantly reducing asset degradation risk and protecting portfolio quality.
• Conducted rigorous pre-audit reviews of KYC/AML document verification pipelines, eliminating compliance bottlenecks and ensuring full regulatory readiness prior to all scheduled inspections.

Probationary Officer - The Federal Bank Ltd.

(2021-03 - 2023-02)

• Orchestrated high-volume customer transactions, cash flow controls, and automated vault/CDM machinery balancing, achieving 100% accounting reconciliation accuracy across all settlement cycles.
• Executed front-line KYC verification and customer due-diligence protocols for digital account creation, onboarding customers with full regulatory compliance and minimal processing errors.
• Partnered with senior leadership on localized portfolio retention initiatives, driving measurable improvements in HNI customer acquisition and loyalty through personalized financial advisory engagements.

Integrated M.Sc. - Chemistry - Amrita Vishwa Vidyapeetham