Senior Manager in Commercial Banking Group RCU and Process Policy Unit - Kotak Mahindra Bank
(2022-11 - 2026-01)
Lead governance and control initiatives for critical business areas.
- Lead governance and control initiatives, including Unusual Event Reporting, Data Leakage Monitoring, and MIS Reporting for critical business areas such as Subsidies, Deferrals, and Control Testing.
- Prepare and circulate monthly Risk PPTs for various business verticals, ensuring transparency and proactive risk communication with stakeholders.
- Monitored and coordinated Unusual Event Reporting across business units, ensuring 100% compliance with internal governance and audit protocols
- Investigated, documented, and escalated incidents such as system failures, data discrepancies, and operational anomalies to senior management. Generated and circulated regular Unusual Event reports, providing critical data analytics to enhance monitoring and control effectiveness. Maintained comprehensive documentation of control-related activities and conducted periodic follow-ups to ensure timely completion of corrective actions.
- Manage the Data Leakage Monitoring process to prevent unauthorized disclosure of sensitive data due to malicious intent or unintentional errors.
- Prepared and circulated comprehensive MIS reports to senior management, providing clear insights into the current status and trends related to deferrals, Post Disbursement Documents (PDD) pendency, subsidies, and control testing. Facilitated informed decision-making by presenting accurate, timely data and highlighting key areas for operational focus and risk mitigation.
Associate Manager - Aadhar Housing Finance Ltd
(2021-10 - 2022-08)
Coordination with AHFL branches and processing of home loan disbursements.
- Co-Ordination with AHFL branches for day today work for smooth function of business activities such as collections of data & Sending MIS.
- Authorizations of home loan disbursement Cheques & processing online payment pertain to Disbursement though RTGS & NEFT.
- Co-Ordination with bank for day today activities such as Clearance of Disbursement Cheque, online payment & NEFT/RTGS.
- Processing stop payment request as cheque prepared by branch such cheque lost by customer & any other reason.
- Creation of System user ID for processing disbursement Cheque on Axis bank portal.
- Checking utility bill & Employee reimbursement as per approval authority matrix & processing the same.
- Identifying collection fund from collection account & transferring to branch collection account for generating accounting entries of customer against EMI, arrears & dues.
- Reconciliation various suspense accounts such Processing & Home Loan Sanction Fees.
- Reconciliation as well monitoring Collection & payment accounts.
- Reconcile insurance GL account for payment & refund insurance premium & other entries.
- Handling Insurance refund Query & disbursement payments request received from Operation Team.
- Sending loan reversal claim to insurance company of Loan reversal cases.
Assistance Manager - Aadhar Sales & Services Pvt Ltd
(2018-02 - 2021-10)
Coordination with AHFL branches and processing of home loan disbursements.
- Co-Ordination with AHFL branches for day today work for smooth function of business activities such as collections of data & Sending MIS.
- Authorizations of home loan disbursement Cheques & processing online payment pertain to Disbursement though RTGS & NEFT.
- Co-Ordination with bank for day today activities such as Clearance of Disbursement Cheque, online payment & NEFT/RTGS.
- Processing stop payment request as cheque prepared by branch such cheque lost by customer & any other reason.
- Creation of System user ID for processing disbursement Cheque on Axis bank portal.
- Checking utility bill & Employee reimbursement as per approval authority matrix & processing the same.
- Identifying collection fund from collection account & transferring to branch collection account for generating accounting entries of customer against EMI, arrears & dues.
- Reconciliation various suspense accounts such Processing & Home Loan Sanction Fees.
- Reconciliation as well monitoring Collection & payment accounts.
- Reconcile insurance GL account for payment & refund insurance premium & other entries.
- Handling Insurance refund Query & disbursement payments request received from Operation Team.
- Sending loan reversal claim to insurance company of Loan reversal cases.
Assistant Manager - HDFC Bank Ltd
(2013-10 - 2017-10)
Online authorization of retail forex transactions and cash management.
- Online Authorization of Retail Forex transactions / Remittance / Multi Currency cards/Interbank fund transfer (RTGS/NEFT) & Cash Transactions.
- Co-ordination with treasury department for rate booking of Forex Transaction.
- Reporting of all the Forex transaction to Treasury and back end.
- Preparation of Weekly & monthly MIS for Forex transactions and reporting to the Dealing Rooms.
- Ensure all regulatory guidelines are followed at Branch.
- Monitoring dummy accounts of branch.
- Monitoring ten lakh transactions daily.
- Monitoring activation of dormant account for branch as per process.
- Ensuring of fake & forged notes received by proper filing & issuance of certificates.
- Handling Error free transactions of receipts & payments.
- Proper cash balancing & bundling.
- Processing Inter-Bank Funds Transfers (RTGS/NEFT).
- Processing funds transfer, corporate salary uploads as well as issuance of MCKs/DDs.
- Processing Vendor bills payment i.e., Telephone Bill, Electricity Bill & Mobile Bill by verifying & issuing Manager Cheque for the same.
- Fortnightly surprise verification of branch ATMs.
- Managing periodical audits checks in the branch, related to operations & critical areas.
- Generating various leads / clients for fixed deposits, savings account & trade forex services.
Partner - Excel Creations
(2013-01 - 2013-09)
Partnership business making Name Plates & Sing Boards for corporate Offices.
Customer Service Executive - Standard Chartered Bank
(2008-02 - 2012-12)
Delivering quality banking services and cash management.
- Dealing in INR & FCY Currency.
- Delivering quality service while carrying out the following transactions for customers: Cash deposits and Cash Withdrawals
- Processing Inter-Bank Transfers (RTGS, NEFT).
- Accepting and processing of Demand draft/pay order instructions
- Accepting instructions for FD breaks
- Effecting internal account to account transfers
- Accepting and processing stop payment instructions
- Ensure that all of the above services are delivered with accuracy and warmth Preparing.
- Also learned the working of back-up teller authorizer & authorizing the transactions exceeding the Executive's limit.
- Preparing Daily, Fortnightly & Monthly report submitting report to Concern department.
- Detecting Counterfeit (Forged) Note.
- Processing NRE/NRO Account transactions as per FEMA guideline.
- Handling Back to branch Cheque book, Captured Cards and Debit Cards, maintaining its daily MIS
- Issuing the Cheque book, Captured Card, Debit Card to customer after taking necessary letter with proper identification.
- Looking after Inward Clearing Referrals and High Value Referrals for funds insufficient, alteration on cheques etc., calling up the customers and taking necessary decisions to process or return the cheque.
- Monthly Audit Check of Cash Balances with cash balancing register and cash movement register, checking and verification of DDs and POs stock, checking for all daily registered signed by authenticated custodians, Verification of daily balancing of back to branch Cheque Books, Debit Cards and Captured Cards, Voucher Checking.
- Handled escalated emails and complaints.
- Handled customer complaints with professional and positive attitude in stressful situations.
- Coordinating with customers & giving information about banking products as per there requirement.
Assistant Manager, Dealer Funding - Kotak Mahindra Bank Ltd
(2007-07 - 2008-02)
Dealer funding and loan processing for tractor dealers.
- Followed up on pre-approval documents and tracked Post Disbursement Documentation
- Preparation of Post Approval Legal Documentation of Tractor Dealers.
- Execution of Legal Documentation and Calculation of penal interest
- Limit Setting of Tractor Dealers and product development ( Tractor Dealer Funding )
- Co-Ordination with Dealers for Day-To –Day Business E.G Disbursements/Receipts.
- Calculation of Overdue for all Tractor Manufacturers, E.G. M&M, Escorts.
- Co-Ordination with Manufacturers for Overdue Status.
Processing Officer, Central Loan Processing Unit - Standard Chartered Finance Ltd
(2004-12 - 2007-06)
Central loan processing and reconciliation of suspense accounts.
- Posting daily transactions on E-BRANCH such as transfer cheques, debiting suspense a/c and transferring funds through online system.
- Reconciliation various suspense accounts such Processing & Home Loan Sanction Fees, & Loan Redemption Account as on different cycle dates, tallying of returns received from the clearing department to mark-off of entries within stipulated time.
- Checking of disbursal file i.e., Personal Loan, Mortgage Loan & Business Installment Loan product before actual disbursal. Viz Credit Signature, Disbursal Form, Authorized Signature as per greed, Safe Keeping Records.
- Processing of pay order, monitoring of daily MIS & drafting customer letter.
Finance Executive, Consumer Durable Loan - Bajaj Auto Finance Ltd (Goodwill Consultants)
(2002-08 - 2004-11)
Consumer durable loan processing and dealer management.
- Explaining different type of Loan Scheme to customer.
- Fill up Loan relative Information in the form.
- Verifying copy of Document with Original Proof.
- Checking important document relating with loan.
- Checking cheque as per loan cycle.
- Dispatch file to Head-office for further process.
- Scrutiny Dealer payment with dealer subvention.
- Clearing the Dealer payments.
Income Account Assistant, Income Department - The Resort Five Star Deluxe of Raheja Groups
(2001-07 - 2002-08)
Income accounting and audit functions.
- Checking of all Outlets Bills.
- Finalization of all Govt. Taxes.
- Checking Guess folio & sending bill to company.
- Collection payment from company.
- Scrutiny of Debtors Ledgers.
- Monthly Outstanding Report.
- Monthly Inventory
