CRM
ANUJ KAUSHAL
Retail Banking Professional
Mohali
Summary
Result-oriented Banking Professional with comprehensive experience in Banking Operations, Financial Accounting, Regulatory Compliance, and Business Intelligence Reporting. Strong expertise in General Ledger management, Bank Reconciliation, Financial Statement Analysis, Credit Risk Assessment, and Power BI dashboard development. Proven ability to ensure RBI compliance, strengthen internal controls, optimize portfolio performance, and drive operational efficiency.
Overview
9
9
years of professional experience
3
3
Certifications
3
3
Languages
Work History
Banker- Customer Experience
IDFC First Bank
09.2024 - 12.2025
- Managing end-to-end banking operations including CASA accounts, term deposits, and retail asset products.
- Performing daily General Ledger reconciliation, vault balancing, and Bank Reconciliation Statements (BRS).
- Preparing financial MIS reports and developing Power BI dashboards for branch performance tracking.
- Ensuring regulatory compliance with RBI norms, AML guidelines, and KYC verification standards.
- Supporting internal audit processes and strengthening operational risk controls.
- Analyzing customer portfolio data to enhance cross-selling and revenue generation.
Personal Banker (Classic)
HDFC Bank
11.2023 - 08.2024
- Managing retail & HNI portfolio with focus on asset growth and profitability optimization.
- Conducting financial analysis and credit assessment for loan processing.
- Preparing revenue performance reports and sales analytics using Excel & Power BI.
- Monitoring portfolio health, delinquency ratios, and risk exposure.
- Ensuring compliance with internal control systems and audit requirements.
- Driving investment advisory, insurance sales, and wealth management solutions.
Associate Service Delivery Manager- Cash
IndusInd Bank
05.2022 - 11.2023
- Processing financial transactions on daily basis.
- Responsible for selling or redeeming savings bonds and other financial instruments.
- Responsible for processing/documentation of accounts and other financial services.
- Ensuring proper verification of documents for KYC.
- Track bank information and generate reports using software.
- Developing sales referrals, suggest alternate channels and cross-sell products and services.
Admin Cum Finance Assistant
PGIMER
03.2020 - 04.2022
- Preparing financial statements, expense tracking reports, and budget variance analysis.
- Performing account reconciliation and journal entry verification.
- Developing Excel & Power BI-based financial dashboards for expenditure monitoring.
- Assisting in statutory compliance, internal audits, and financial documentation.
Clerk (S.P.)
Chandigarh College of Architecture
02.2019 - 01.2020
- Responsible for generating all types of bills i.e. Salary, GPF, TA/DA, GIS, Gratuity, etc.
- Upload employee’s data on EHRMS Manav Sampada.
- Gained knowledge regarding the government portals i.e. SEVAARTH, PFMS & Composite Financial Accounting System.
Accounts Assistant (S.P.)
Secure Guard & Manpower Services
06.2017 - 08.2018
- Maintaining books of accounts, ledger postings, journal entries, and trial balance preparation.
- Performing Bank Reconciliation Statements (BRS) and payroll accounting.
- Preparing monthly P&L statements and financial forecasts.
- Supporting accounts payable/receivable processes and statutory compliance documentation.
Education
Master of Business Administration -
Punjab Technical University
01.2021
Bachelor of Commerce - undefined
Panjab University
01.2017
Skills
Banking Operations & Retail Banking
Accounting & Financial Reporting
General Ledger (GL) Management
Bank Reconciliation Statements (BRS)
Power BI Data Visualization & Dashboarding
Financial Analysis & MIS Reporting
Credit Risk Assessment
Regulatory Compliance (RBI, AML, KYC)
Treasury & Cash Flow Management
Budgeting & Forecasting
Advanced Excel (Pivot Tables, VLOOKUP, Data Analysis)
Internal Controls & Audit Support
Core Banking Systems & Retail Asset Processing
Financial Statement Preparation & Variance Analysis
General Ledger Accounting & Journal Entries
Accounts Payable & Accounts Receivable Oversight
Portfolio & Revenue Management
Loan Processing & Credit Appraisal
Risk Profiling & Compliance Monitoring
MIS Development & Performance Reporting
Power BI (Data Modeling, DAX, Dashboard Creation)
Data Analytics & Business Intelligence Reporting
Budget Planning & Cost Control
Treasury Operations & Cash Management
Internal Audit Coordination & Operational Risk Control
Software
Finaccle
Flexcube
TCS
EHRMS
Adobe Photoshop
SAP
Xero
Certification
Fundamental & DOC, Data Processing Management and Office Automation
Participations
- Attended RBI Regulatory & AML Update Training Programs
- Seminar on Digital Banking & Financial Inclusion
- Training on Data Visualization & MIS Reporting using Power BI
Timeline
Banker- Customer Experience
IDFC First Bank
09.2024 - 12.2025
Personal Banker (Classic)
HDFC Bank
11.2023 - 08.2024
Associate Service Delivery Manager- Cash
IndusInd Bank
05.2022 - 11.2023
Admin Cum Finance Assistant
PGIMER
03.2020 - 04.2022
Clerk (S.P.)
Chandigarh College of Architecture
02.2019 - 01.2020
Accounts Assistant (S.P.)
Secure Guard & Manpower Services
06.2017 - 08.2018
Bachelor of Commerce - undefined
Panjab University
Master of Business Administration -
Punjab Technical University