Balram Sharma
Delhi
Summary
B.Com graduate with expertise in financial operations and customer service practices. Delivered exceptional account management and transaction support while ensuring data accuracy and confidentiality. Led customer interactions as a Phone Banking and VKYC Officer, conducting compliant video-based KYC verifications and resolving inquiries to enhance service quality.
Veteran kyc analyst with several years of experience monitoring and analyzing client relationships and business trends. Interfaced with clients to understand needs, examined existing and proposed contract details to recommend effective implementation, maintained databases and conducted data analysis to report on contract performance relative to company objectives. Critically-thinking professional optimizing client relations and contract quality.
Overview
1
1
Certification
7
7
years of professional experience
Work History
Assistant Manager
Axis Bank
Noida
11.2025 - Current
- Conducted Video KYC (VKYC) verification for new and existing customers according to RBI, KYC, and AML guidelines.
- Verified customer identity, documents, and personal details through video interaction with high accuracy.
- Facilitated VKYC process for customers, enhancing onboarding experience and ensuring compliance.
- Identified discrepancies and escalated cases, ensuring adherence to compliance procedures and verification norms.
- Maintained accurate customer records and VKYC status in CRM and banking systems.
- Assisted risk assessment and classification of customers based on AML policies.
- Provided documentation and reports for audit and compliance reviews, to support regulatory requirements.
Assistant Manager
Kotak Mahindra Bank
Noida
08.2023 - 10.2025
- Educated customers on banking products, digital services, and account features.
- Assisted customers in understanding banking products and services, enhancing overall customer satisfaction and loyalty.
- Educate customers on digital banking features, resulting increase in mobile app adoption within assigned customer block.
- Educate customers on digital banking features, resulting in an increase in mobile app adoption within an assigned customer block.
- Guided customers on loans, fixed deposits, and insurance, facilitating informed decisions on banking products.
- Utilized CRM and Access Plus to manage customer interactions.
- Using banking tools like CRM & Access Plus.
Senior Merchandiser
Store-Works Pvt. Ltd. (ITC Project-FMCG)
South Delhi
01.2020 - 08.2023
- Managed in-store merchandising for ITC products across multiple retail outlets, enhancing product placement and visibility.
- Planned and executed promotional activities and shelf layouts to maximize sales and strengthen brand presence.
- Coordinated with store staff, sales teams, and distributors to ensure timely product delivery and adherence to merchandising standards.
- Monitored stock levels, replenishment, and inventory to reduce stockouts and overstock situations.
- Trained and supervised junior merchandisers and store staff for consistent execution of merchandising plans.
Education
B.com -
School Of Open Learning , Delhi University
Delhi, New DelhiSkills
- Video KYC processing
- AML Compliance
- Regulatory Compliance
- Identity verification
- Risk assessment
- Risk Management
- Customer onboarding
- Digital banking support
- Microsoft 365
- Finacle
- Power Bi
- CRM
- Documentation reporting
- Financial reporting
- Customer Service
- Customer diligence
- Enhanced diligence
- Attention to detail
- Decision Making
- Problem Solving
- Effective communication
- Verbal communication
- Team leadership
- Team collaboration
- Client relationship management
- Customer satisfaction
- Problem solving
- Financial reporting
- Documentation reporting
Certification
- Anti-Money Laundering (AML) Certification - Kotak Mahindra Bank
- NISM ODR (Online Dispute Resolution (ODR) Mechanism)
- Anti-Money Laundering (AML) Certification - Axis Bank
- Mule Account Certification - Axis Bank
Timeline
Assistant Manager
Axis Bank
11.2025 - Current
Assistant Manager
Kotak Mahindra Bank
08.2023 - 10.2025
Senior Merchandiser
Store-Works Pvt. Ltd. (ITC Project-FMCG)
01.2020 - 08.2023
B.com -
School Of Open Learning , Delhi University