Saloni Gamit

Banking professional with 12+ years of experience in branch banking and operations, specializing in Branch Operations, Cash Management, KYC/AML Compliance, RBI Regulations, Risk Management, Branch Audit, Customer Service, and Process Improvement. Proven experience managing end-to-end branch operations, customer portfolios, cash and vault operations, team coordination, and operational controls. Skilled in CDD, documentation verification, KYC reviews, MIS Reporting

Deputy Manager (Branch Banking) at Axis Bank Limited (2024-12 – 2026-08)

• Managing a portfolio of 350+ retail and SME customers, delivering end-to-end banking operations, account servicing, and customised financial solutions while ensuring high levels of customer satisfaction.
• Ensuring 100% compliance with KYC, AML, RBI guidelines, and internal regulatory policies by performing customer due diligence (CDD), documentation verification, and periodic account reviews, resulting in a flawless audit record.
• Supporting branch foreign exchange (Forex) operations by accurately processing inward and outward remittances, verifying customer documentation, ensuring regulatory compliance, and maintaining operational turnaround time (TAT).
• Collaborating with cross-functional teams to resolve operational queries, improve process efficiency, and ensure seamless delivery of banking services in accordance with established service-level agreements (SLAs).

Deputy Branch Manager at Bank Of Maharashtra (2015-10 – 2024-05)

• Managed and coordinated end-to-end branch operations while supporting the Branch Manager in achieving operational, service and business KPIs, contributing to 35% YoY deposit growth.
• Oversaw end-to-end cash and branch operations, including vault management, cash balancing, teller operations, cash limit monitoring, ATM operations, cash handling, surprise verification, and compliance with internal controls and regulatory requirements.
• Conducted quarterly operational, compliance, and process audits to identify control gaps, implement corrective actions, and improve operational efficiency by 30% while ensuring adherence to RBI guidelines and internal policies.
• Trained and mentored newly onboarded employees on banking operations, customer service standards, KYC/AML compliance, operational procedures, and core banking systems, enhancing team productivity and service quality.
• Processed end-to-end loan documentation, document verification, disbursement support, and post-disbursement monitoring while ensuring regulatory compliance and accurate record management, contributing to a 20% reduction in branch Non-Performing Assets.

Deputy Manager (Operations) / Relationship Manager at Bank Of Maharashtra (2013-04 – 2015-09)

• Spearheaded the establishment of a branch clearing house, streamlining cheque clearing operations and reducing processing errors by 90%, resulting in improved operational efficiency and faster turnaround times (TAT).
• Ensured adherence to KYC, AML, and regulatory policies by conducting thorough document verification and maintaining accurate customer records to support audit readiness.
• Coordinated a team of employees across three branches, supporting staff and work allocation, performance monitoring, team productivity, employee training, operational coordination, and escalation management to streamline branch operations and enhance service delivery
• Promoted retail banking products, including deposits, loans, insurance, and investment solutions, by conducting customer needs assessments and ensuring accurate documentation and process compliance.

Certification in Power BI, Tableau, Basic Course On SQL and Python Programming – 360DigiTMG (Data Analytics Institute) (2024-07 – 2024-08)

Bachelor Of Engineering in Electronics And Communications – Sarvajainik College Of Engineering And Technology (2011-07)