Sachin Gandhi

Banking professional with over 17 years of experience spanning branch banking and centralised operations. Proven expertise in AML & KYC, Retail Liabilities, Audit & Compliance, and Operational Risk Management. Adept at driving process improvements, leading large teams, managing regulatory requirements, and implementing digitisation initiatives. Known for strong people management, stakeholder communication, and delivering results within TAT.

Sr. Manager – Unit Head, Account Opening (CPC Jaipur) - AU Small Finance Bank - Jaipur

(2024-01)

• End-to-end management of daily Account Opening volume within TAT across CA, SA, NR, MTD, Biometric, VKYC and Asset customer onboarding teams for PAN India.
• Review and set SOPs, checklists, quality standards and TAT Benchmarks for all Individual (Non-Resident, Resident) and Non-Individual (Corporate customer) onboarding through various channels e.g. Physical, Scan, VKYC and Email based.
• Prepared and published daily & monthly MIS to senior management: Volume & TAT, NSE TD Booking, E2E TAT, FTR/FTNR, Deferral Pending, and department presentations.
• Review and support of New BRD's and end to end liaison with internal Product, Compliance, Process, BSG and IT Teams including completing E2E UAT Testing and getting Applications finalizing till live in Production.
• Owner and Manager for Specialized daily Teams Helpdesk for CPC NR Helpdesk, Govt Business Helpdesk, Asset CPC Helpdesk, CPC Corporate Helpdesk for BBG, NBFC and Emerging Business Teams.
• Ensured closure of all audit queries (QC/ICT/Concurrent); raised BRDs to IT for process automation.
• Managed resource planning, job descriptions, interviews, and onboarding/mentoring of new joiners.
• Prepared performance feedback based on productivity, error rate, attendance, and personal conduct.
• Reviewed and submitted documents to regulatory bodies including RBI, Police/Crime Branch, and Income Tax.
• Handled internal business queries, escalations and priority requests from branches and business units.

Manager – Corporate Desk – DVU, CNB, CMS (CPU Noida) - HDFC Bank Ltd - Noida

(2022-12 - 2023-12)

• Led DVU (Document Verification Unit) team for Current Account opening operations.
• Managed compliance of all Audit, AML and Compliance team queries.
• Participated in HDFC–HDFC Bank merger integration planning team.
• Tested new banking applications and liaised with relevant departments for go-live.
• Oversaw QC team for account opening documents and critical instruction processing (AMU).

Team Leader / Manager – Account Maintenance & Service Request Unit (RPC Noida) - Kotak Mahindra Bank Ltd - Noida

(2014-03 - 2021-12)

• Led AMU/Instructions team of 16 members; promoted to Manager in 2017-18.
• Managed KYC verification of North India account openings.
• Monitored associate performance, training needs and morale for high efficiency.
• Responded to internal audits, QC, RCU and Concurrent audits with NIL error target.
• Involved in ING Vysya Bank – Kotak Mahindra Bank post-merger policy integration.

Senior Officer – NR Account Opening DVU (NOC Gurgaon) - Yes Bank Ltd - Gurgaon

(2010-12 - 2014-03)

• SME for Yes First and NR account Document Verification and End to End query/observation handling.
• Verified CASA documents received from branch banking across all account types.
• Maintained and published key MIS reports (Q&D, E2E).
• Trained branch and sales staff on KYC policy updates.
• Promoted to Assistant Manager in Dec 2013.

Officer – Branch Operations (Green Park, Delhi) - ICICI Bank Ltd - Green Park, Delhi

(2007-10 - 2010-11)

• Handled customer queries and operational counters: Cash, Account Maintenance, Account Opening, and Demat account queries.

PG Diploma - Finance - Symbiosis Centre for Distance Learning (2013 - 2013)

PGDBO - IFBI (JV of ICICI Bank & NIIT) (2007 - 2007)

B.Sc.

• Hospitality & Hotel Administration - Institute of Hotel Management, Jodhpur (2007 - 2007)

Senior Secondary - Class XII - CBSE, New Delhi (2002 - 2002)

Secondary - Class X - CBSE, New Delhi (2000 - 2000)