Summary
Overview
Work History
Education
Skills
Certification
Total Work Experience
Personal Information
Timeline
Generic
Avinash Dhar Dubey

Avinash Dhar Dubey

Banking & Financial Services Professional | Credit, Compliance & Digital Banking | Bridging BFSI & Technology
Gorakhpur

Summary

Accomplished banking professional with over 11 years of expertise in credit management, retail banking, regulatory compliance, and digital banking operations. Proven track record in credit appraisal, risk assessment, loan processing, and managing statutory audits and reporting for regulatory authorities including RBI, Income Tax Department, and NPCI. Adept at leading initiatives involving data management, dispute resolution with Credit Information Companies, and onboarding of digital payment systems such as RuPay, IMPS, NFS, NACH, POS, and QR-based solutions. Experienced in coordinating with CBS and switch vendors for system rollouts, maintenance, and process optimization. Recognized for reducing loan defaults, ensuring timely compliance, and driving operational efficiency. Equipped with strong domain knowledge and project coordination skills, with a career objective to bridge the gap between financial operations and technology implementation in the IT-BFSI sector.

Overview

13
13
years of professional experience
8
8
Certifications
2
2
Languages

Work History

Branch Manager

Khalilabad Nagar Sahkari Bank Ltd.
01.2014 - Current
  • As a Manager, I have worked in key divisions of the bank such as Credit, Compliance, and Branch Operations, which has given me in-depth experience and understanding of the bank's functioning.
  • As a Credit Officer-Assessed and analyzed credit proposals and financial statements to evaluate creditworthiness of individuals and businesses.
  • Monitored loan accounts for early warning signals, overdue tracking, and recovery actions and achieved default rate reduction by 20%.
  • Submission of Borrower's Data to Credit Information Companies and handling online and offline Disputes of Customers.
  • Insurance -Acted as a key member in the implementation and claim settlement process for government insurance schemes such as PMJJBY and PMSBY, ensuring smooth onboarding, customer communication, and timely claim resolution.
  • As a Compliance Officer-Acted as nodal officer for audit compliance, regulatory returns, and statutory reporting.
  • Worked on Daksh RBI's Advanced Supervisory Monitoring System as a Nodal Officer and Compliance Officer of The Bank for the RBI Regulatory Compliance and Managed case assignments, prepared compliance reports, and ensured timely resolution of regulatory observations.
  • Digital Banking-Successfully coordinated with NPCI, CBS vendors, and switch vendors to onboard key digital products such as NFS, RuPay, IMPS, and NACH in the bank. Handled end-to-end documentation, vendor coordination, and stakeholder communication to ensure seamless rollout.
  • Led implementation of POS machines and QR Sound Boxes in the bank to promote digital payments and improve customer convenience.
  • Conducted internal audits and regular staff training on compliance and system usage.
  • Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
  • Oversaw daily branch operations, ensuring compliance with regulatory standards and maintaining operational integrity.

Junior Research Associate

Standards and Poors Capital IQ
01.2013 - 01.2014
  • Procuring critical to quality terms and conditions for municipal, fixed income securities in the primary and secondary market about key industry agents such as underwriters, bond counsels, financial advisors, bankers, trustees, and issuers.
  • Understanding the relationship of data values to current market conditions to identify possible erroneous data sets such as tax status, coupons, yields, ratings, and etc.
  • Performing quality assurance on work completed by quality checks.
  • Implementing policy and procedure for data collection which includes actively communicating changes to the team.
  • Working directly with external and internal clients to resolve inquiries as well as performing root cause analysis, such as dissecting the inflow and outflow of automated data feeds from various vendors and sources, to prevent future inquiries.
  • Spearheading large data cleansing projects from start to finish which may include defining the actions needed to be taken, communicating to teams.

Education

MBA/PGDM -

INDORE INDIRA BUSINESS SCHOOL
08.2025

B.Com - Commerce

Delhi University
01.2011

XIIth - Commerce

Central Academy School Gorakhpur
2007

Xth - Science

Saraswati Shishu Mandir Senior Secondary School
Gorakhpur
2005

Skills

  • Credit analysis

  • Banking operations management

  • Regulatory Compliance

  • Credit assessment

  • Dispute Management

KYC & AML Compliance

Risk Management

Digital Banking Operations

Certification

JAIIB/Junior Associate of the Indian Institute of Bankers

Total Work Experience

12 Years 7 Months

Personal Information

Nationality: Indian

Timeline

Branch Manager

Khalilabad Nagar Sahkari Bank Ltd.
01.2014 - Current

Junior Research Associate

Standards and Poors Capital IQ
01.2013 - 01.2014

MBA/PGDM -

INDORE INDIRA BUSINESS SCHOOL

B.Com - Commerce

Delhi University

XIIth - Commerce

Central Academy School Gorakhpur

Xth - Science

Saraswati Shishu Mandir Senior Secondary School

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Avinash Dhar DubeyBanking & Financial Services Professional | Credit, Compliance & Digital Banking | Bridging BFSI & Technology