PROFESSIONAL SYNOPSIS :
NCFM/AMFI certified proactive and result oriented professional offering 14+ years extensive experience in various aspects of Accounting and Financial services including 12 years in banking (Retail Assets and Liabilities); and was with L & T Finance Ltd, Chembur as Manager (Operations-Disbursements Department & Product head for the Retail Finance Division-operations PAN India).
Proven skill in Banking Operations and Data Processing Systems; strong background in Retail Banking & Remittances, KYC Compliance, AML, Marketing, Planning, Depository services and Non banking Financial services.
Possessing excellent Interpersonal, Communication and Organizational skills with demonstrated abilities in team management and customer relationship management.
Achieved targets and deadlines; successfully managed audit & supervision related activities, streamlined existing operations as a Product Head and worked extensively on various computer platforms.
Presently with AXIS BANK as a Senior Manager; handling the profile of Branch Operations Head
KEY COMPETENCIES :
Retail Banking Operations
NBF Services
Processes & Controls
Audit Compliance
Retail Banking
MIS, Reconciliation, Documentation
Wealth Management
Depository Services
Loans process & disbursements
KYC norms, Customer Relations
Team Leadership/ management
Teller Functions/ATM Management
WORK EXPERIENCE :
Axis Bank :
Senior Manager, Sept 2010 till Date
Axis Bank is India’s leading Private sector Bank with over 1000 branches and over 4000 ATMs in India and abroad. It is engaged in all banking operations with on-line banking facilities available for deposits and trading accounts. Worked in Bandra and presently with Dadar branch as an Branch operations Head.
Supervising all Retail Branch operations without major issues.
Handling a team of 10-15 staff.
Proved a good learner, leader, hard worker and effectively managed all audit and KYC issues. Customer friendly. Received appreciation from clients.
Cash Management.
Quick authorisations and executions within the set TAT.
Handling HNI clients.
Responsibilities :
Reporting to the Branch Head, and leading a team of 10-15 staff. Supervising the work of all branch staff such as Teller, Personal Bankers and Welcome Desk; daily follow up on the activities of the Marketing Executives in the Branch. Acting BM in the absence of the BM. Supervised Lobby Management and Housekeeping.
Providing required MIS to the Zonal office and Circle Head.
Authorised signatory for Inward and Outward Remittances (DDs, POs, TTs, FX DDs, etc) and for processing and signing of demand drafts, pay orders, foreign demand drafts. Authorised for depository Services (N.C.F.M. certified) and Mutual funds (A.M.F.I certified).
Scrutinising Account opening forms; controlling rejections; adhering to all KYC norms and checking for AML. Supervising inward /outward clearing. Opening of savings /current/fixed/depository/on-line trading accounts.
Supervising reconciliation of lockers; Cash Management (Teller System) services– cash receipts and payments. ATM reconciliation and conducting surprise audits in the branch to control errors.
Customer-service at its best, within TAT. Received appreciation and reliance.
Computer Platforms :
Windows xp, Internet Explorer, Netscape Navigator, Outlook Express 5; MS-Word / MSExcel; Finacle.
Oracle and Java based programmes,SAP packages
L & T Finance Ltd, Chembur :
Manager, Jan 2008 till Sept 2010.
L & T Finance Ltd is a 100% subsidiary of Larsen & Toubro Ltd. incorporated in November 1994 with a net worth of Rs 668 crores in November 2007. It is engaged mainly in the business of Corporate Products, Construction Equipments, Commercial Vehicles and Tractors. L & T Finance Ltd. has a network of 212 offices in India. Joined the organization in January 2008 as a Manager. Handling all India bill discounting disbursements, LC documentation, reconciliation, etc. L & T Finance Ltd is also shortly moving into the Insurance and Mutual Fund business, and planning to start banking operations.
Successfully completed reconciliation of accounts and set up the KYC norms.
Proved a good learner, leader, hard worker and effectively managed all audit & supervision related activities.
Played a significant role in changing procedures for improvement.
Worked as a Product Head of Retail Finance Division-operations.
Responsibilities :
Reported to the Operations Head, managing the Operations-Disbursements Department and Supervising a team of 7 members.
Supervised and controlled all India bill-discounting disbursements, scrutinising documentation of term loans and their disbursements, along with other divisions such as : Receivable Discounting, Commercial Vehicle, LC Remittances, documentation and other Term loans
Quick response to marketing and management queries, checking data and other information provided to MIS team. Analysis of all reports sent to the Management.
Coordinated with Banks, Supervising uploading of disbursements on the Banks sites. Setting KYC norms, centralising and decentralising activities to smoothen processes.
Computer Platforms :
Windows xp, Internet Explorer, Netscape Navigator, Outlook Express 5, MS-Word / MS-Excel, ILFS and FINONE package, Java based programmes, SAP Packages
HDFC Bank Ltd, Thane :
Deputy Manager, Oct 2004 to Dec 2007
HDFC Bank Ltd. is India’s number one Private sector Bank with over 900 branches and over 2000 ATM’s in India and abroad. It is engaged in all banking operations with on-line banking facilities available for deposits and trading accounts. It has taken over Centurion Bank of Punjab recently. Worked in branches like Dombivli, Thane-vartaknagar, Bangalore, Thane-Ghodbunder road branch as an Assistant Manager and subsequently promoted to the level of Manager (Back-up BM).
Provided MIS within the TAT and achieved accuracy in reconciling ATM records.
Managed to control the CASA rejections, KYC compliance, AML. And NRE operations.
Proved a good learner, leader, hard worker and effectively managed all audit & supervision related activities.
Managed Branch operations without major issues. Customer friendly. Received appreciation from clients.
Received knowledge on Wealth Management and Private Banking.
Instrumental in the opening of 4 branches in the Cluster in co-ordination Branch Managers, the Cluster Head and IT.
Cash Management.
Responsibilities :
Reported to the Branch Manager/Cluster Head, worked in Retail Bank Branches and led a team of 5 payroll staff members excluding executives.
Supervised the working of all branch staff such as Teller, Personal Bankers and Welcome Desk; daily followed up on the activities of the Marketing Executives in the Branch. Back-up BM in the absence of the BM. Supervised Lobby Management and Housekeeping.
Provided required information to Cluster Head, Zonal Head and Regional Head; managed all audit and audit queries within the TAT.
Operated as cluster co-ordinator for 11 branches, and provided the necessary daily/ weekly / monthly MIS to Regional and Zonal Heads within the TAT.
Authorised signatory for Inward and Outward Remittances (DDs, POs, TTs, FX DDs, etc) and for processing and signing of demand drafts, pay orders, foreign demand drafts. Authorised for depository Services (N.C.F.M. certified) and Mutual funds (A.M.F.I certified).
Examined Account opening forms; controlled rejections; followed all KYC norms and prevented AML. managed inward /outward clearing. Opened savings /current/fixed/depository/on-line trading accounts; managed the fixed deposit accounts and calculated tax on them.
Checked UBS accounts; accepted Bank Guarantees and followed up on expired Bank Guarantees.
Independently handled, reconciled lockers; carried out Cash Management (Teller System) services– cash receipts and payments. ATM reconciliation.
Customer-service at its best, within TAT. Received appreciation and reliance.
Computer Platforms :
Windows ’98, Windows 2000; Internet Explorer, Netscape Navigator, Outlook Express 5; MS-Word / MS-Excel; Flexicube, Finware Packages, SAP packages
Citizen Credit Co-Op Bank Ltd, Mumbai
Asst Manager, Sept 1995 to Jun 2004 :
Citizencredit Co-op. Bank Ltd. is a Scheduled Co-operative Bank having 23 branches in Mumbai and 2 branches in Daman and Goa. The Bank deals in all banking operations like clearing, cash remittances, fixed deposits, loans, advances, overdrafts and locker facilities. They are also depository participants and full-fledged money changers, The bank proposes to open more branches in Mumbai and India. Worked with branches like Kurla, Vikhroli, Colaba, Dadar and Byculla.
Achieved teller accuracy, speed and audit compliance
Acquired and increased knowledge in various aspects of banking i.e. cash, clearing, account opening, loans and depository services.
Responsibilities :
Worked in retail branch operations and reported to the Branch Manager, resolved customer’s queries.
Handled inward / outward clearing & encoding of outward clearing cheques; organised NRO-NRE Returns and other monthly deposit statements; managed Cash (Teller System) receipts and payments With TAT and accuracy.
Supervised opening of savings, current and depository accounts and dematerialisation of shares; managed fixed deposit accounts & calculated taxes on them within TAT and maintained accuracy.
Managed remittances through demand drafts, pay orders and electronic funds transfer.
Reviewed loans and advances; documented various types of loans and advances; followed up on Recoveries and defaulters. Prepared loan proposals, Credit approvals, inspections.
Prepared Bank Guarantees and followed up on expired BGs; reviewed overdraft accounts.
Managed reconciliation between branches; maintained Locker records and prepared statements
Prepared monthly statement of loans, overdrafts and non-performing assets; statement of loans against shares and statement of cheque purchases within TAT.
Computer Platforms :
Windows ’95, Windows ’98; Internet Explorer, Netscape Navigator, Outlook Express 5; MS-Word / MS-Excel / MS-PowerPoint.
SF DYES (SF Concerns), Mumbai
Accounts Executive Cum Cashier, Aug 1993 to Aug 1995 :
Achieved accuracy in handling cash, cheque remmittances.
Confidence in co-ordinating with Banks and solving queries.
Preparing MIS.
Responsibilities :
Reported to the Accounts Head; managed Accounts and Finance operations,
Handled petty cash and purchases; prepared Invoices and vouchers; organised requisition for payment of bills.
Settled reimbursements such as Medical, LTA, Books & Periodicals, telephone, Travel, Entertainment and IOU’s of the Office Staff.
Managed correspondence; handled distribution of wages; maintained leave records,
Prepared challans and calculated sales tax, etc.
Computer Platforms :
Windows ’95; Internet Explorer, Netscape Navigator, Outlook Express 5; MS-Word / MS-Excel / MS-PowerPoint
EDUCATION / CREDENTIALS :
C.A.I.I.B Part I, Mumbai, Dec 2000
B Com(Financial Accounting, Auditing, Tax and Auditing), Mumbai University, Mar 1993
I.C.W.A.I Inter, Dec 1991
Certificate from National Stock Exchange’s Certification in Financial Markets (N.C.F.M.)
Certificate from A.M.F.I. in Mutual Funds.
TRAININGS ATTENDED :
Various In-house trainings on Deposits, Advances, Time Management, Credit Analysis, Strategic Planning, Insurance, Mutual funds Completed N.C.F.M. / A.M.F.I. certification.
Short Term Course in Computer Applications like WordStar, MS Office (Word / Excel / PowerPoint).
PERSONAL INFORMATION :
Languages Known :
English, Hindi and Marathi
Interests :
Listening to music, reading, stitching, cooking, crocheting, and making artificial flowers and candles.
Assets :
Good command of English
Good leadership qualities and inter-personal skills
Ability to grasp new ideas and grow in knowledge, quick-learner.
Good team-spirit, ability to communicate and work well with others.
Co-operative and helpful. Pleasing Personality. Dynamic.
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