Pratik Kamath

Highly accomplished Financial Operations Specialist with 3+ years of progressive experience, primarily focused on managing high-volume, time-critical payments and data processes within the banking sector. Expert in National Electronic Funds Transfer (NEFT) Outward/Inward operations, daily reconciliation, and regulatory compliance (including FCRA and RBI guidelines). Proficient in using internal systems (Flex cube, SFMS) and data tools (SQL, Excel, Power BI) to ensure 99.9% accuracy and strict adherence to service-level agreements (TAT).

Seeking to leverage proven payments expertise in a challenging financial operations role.

Deputy Manager (NEFT Department) - HDFC Bank - Mumbai, Maharashtra

(2023-01)

• Managed high-volume NEFT Outward processing, handling over 48 batches and 10,000+ daily transactions in a FIFO method using Flex cube and SFMS, consistently achieving a strict 2-hour TAT.
• Executed daily reconciliation for large institutional accounts (e.g., LIC), providing specialized Reverse Files to ensure accurate accounting and client service.
• Maintained and updated critical systems by incorporating the latest RBI IFSC Code dumps every 15 days, minimizing transaction failure rates and ensuring system compliance.
• Oversaw comprehensive End-of-Day (EOD) reconciliation of CASA and GL Accounts within the Suspense Reconciliation System (SRS), contributing to near-zero daily outstanding breaks.
• Streamlined compliance by identifying and processing complex FCRA (Foreign Contribution Regulatory Act) transactions, ensuring regulatory validation was completed within a 15-day hold period.
• Contributed to risk management by providing detailed batch-wise Treasury reporting every half-hour (up to 48 reports daily), optimizing liquidity management for high-value transfers.

Officer Trainee (National Pension Scheme - NPS Department) - Stock Holding Corporation of India Limited (SHCIL) - Mumbai, Maharashtra

(2022-04 - 2022-12)

• Developed raw data files using Excel and proprietary Back Office (BO) requirements for the Corporate Contribution Process, ensuring 100% accurate amount tally with client credits.
• Validated and processed contribution batches, generating compliant .fvu files from validated .scf batches for regulatory submission.
• Ensured audit trail completeness by using SQL queries to reconcile .scf batches and confirm the update of unique Transaction IDs post-upload to the NSDL CRA.

Data Analyst - Decimal Point Analytics Private Company - Mumbai, Maharashtra

(2020-11 - 2022-03)

• Accelerated client report generation by using advanced Excel functions (EOM, TRIM, SUM, AVERAGE) to structure raw files, standardizing formats and ensuring data quality for deliverable outputs.
• Conducted rigorous Quality Control (QC) checks by refreshing data in Microsoft Power BI and running respective Bucket/SKU flows in Tableau, ensuring data consistency across visualization platforms.

Master of Commerce - Banking & Finance Studies - Mumbai University (Model College) (2022-04)

Bachelor in Accounting and Finance - Accounting and Finance - Mumbai University (Model College) (2020-10)

12th Standard - Mumbai University (Model College) (2018-02)