Vishal Deshpande

A highly accomplished and result-oriented professional with over 20 years of robust experience in banking operations, financial management, and team leadership. Proven track record of streamlining financial workflows, ensuring strict regulatory compliance, and driving customer satisfaction. Currently serving as Assistant Manager - Finance & Accounts, leveraging deep expertise in financial reporting, transaction oversight, risk management, and operational excellence to support organizational growth.

Assistant Manager - Finance & Accounts at MOGRA REAL ESTATE DEVELOPMENT PVT LTD (2024-06 – Present)

• Daily Bookkeeping and Ledger Management: Data Entry - Recording daily financial transactions, such as sales, purchases, and receipts, into accounting software like Tally Prime.
• Daily Bookkeeping and Ledger Management: Journal Entries - Preparing and posting journal entries to the general ledger with proper supporting documentation.
• Daily Bookkeeping and Ledger Management: Petty Cash Handling - Managing petty cash funds and processing expense reimbursements for employees.
• Accounts Payable (AP) and Accounts Receivable (AR): Managing Payables - Reviewing and verifying vendor invoices, ensuring validity, and preparing payment vouchers.
• Accounts Payable (AP) and Accounts Receivable (AR): Managing Receivables - Issuing customer invoices, tracking incoming payments, and reconciling accounts to spot overdue balances.
• Reconciliations and Reporting: Bank Reconciliation - Comparing bank statements against company ledgers to identify discrepancies and resolve outstanding payments.
• Reconciliations and Reporting: Ledger Scrutiny - Verifying specific vendor and customer ledgers (aging reports) to ensure all balances are accurate.
• Compliance and Auditing: Tax Documentation - Calculating and compiling figures for statutory returns such as GST, TDS.
• Compliance and Auditing: Audit Assistance - Gathering receipts, invoices, and ledger reports needed by auditors during financial reviews.

Branch Operations Head at Axis Bank (2018-05 – 2023-09)

• Operations Leadership: Managed comprehensive daily branch operations, ensuring seamless execution of financial and non-financial transactions.
• Risk & Compliance: Authorized high-value financial transactions and scrutinized non-financial customer requests with 100% adherence to KYC and AML guidelines.
• Audit Management: Actively resolved and closed all audit and compliance MIS reports, consistently achieving high operational rating scores.
• Customer Service: Resolved complex customer escalations, improving the branch Customer Satisfaction Index (CSAT).
• Team Development: Managed, motivated, and sustained a highly productive work environment for a team of operations executives.

Branch Operations Head at Axis Bank (2015-04 – 2018-04)

• Oversaw daily operations at a high-volume business hub branch catering to corporate and diamond merchant clients.
• Ensured timely systems handover and strict compliance with daily banking cut-offs and regulatory processes.

Customer Service Officer at Axis Bank (2014-07 – 2015-03)

• Managed front-office customer relations, cross-sold financial products based on tailored customer needs, and resolved day-to-day service queries.

Front Desk Officer at Axis Bank (2011-09 – 2014-06)

• Assisted with high-priority business client transactions, processing financial & non-financial transactions & requests and guiding clients through retail products.

Executive at Axis Bank (2007-07 – 2011-08)

• Handled clearing, cash transactions, and back-office reconciliations.

Back Office Executive at Axis Bank (2005-06 – 2007-06)

• Managed Centralized Management Services (CMS) processing, clearing operations, and bulk payment processing.

Bachelor of Commerce in B.Com – Chetana College, Bandra East (2004-03)

Higher Secondary Certificate in H.S.C – Chetana College, Bandra East (2000-02)

Secondary School Certificate in S.S.C – New English School, Bandra East (1998-03)