BINDU POONIA
Gurgaon
Summary
Results-oriented Master of Commerce graduate with 5 years in banking operations, compliance, risk management, and data analytics. Delivered tailored financial solutions that enhance operational efficiency and ensure regulatory compliance. Strong analytical and technical skills drive strategic decision-making and problem-solving, aligning solutions with stakeholder priorities to achieve organisational goals.
Overview
7
7
years of professional experience
Work History
MANAGER (BRO)
Axis Bank
09.2025 - Current
- Managed vendor relationships to ensure seamless operations and timely service delivery, supporting smooth settlements with RBI.
- Maintained regulatory and audit compliance with strong controls and risk mitigation.
- Managed inward and outward clearing processes to ensure accurate transaction processing. using CTS/MICR ECS debit and credit.
- Streamlined processes and monitored performance to enhance operational efficiency through data-driven insights.
- Analysed financial data and trends to strengthen risk management and performance.
- Coordinated with vendors and managed system updates for settlements.
- Verified lodgements with RBI and tracked settlement completion.
- Reviewed due diligence tickets, resolved discrepancies, and improved compliance quality.
- Conducted risk assessments, identified gaps, and implemented mitigation strategies.
- Collaborated with compliance teams on policy updates and issue escalation.
- Developed compliance processes and monitored them to improve operational efficiency.
- Streamlined processes and monitored performance to enhance operational efficiency through data-driven insights.
- Analysed financial data and trends to strengthen risk management and performance.
- Collaborated with compliance teams on policy updates and issue escalation.
- Developed compliance processes and monitored them to improve operational efficiency.
- Analysed financial data and trends to strengthen risk management and performance.
Deputy Manager (SDM)
IndusInd Bank
09.2023 - 09.2025
- Maintained audit-ready controls, meeting regulatory requirements and reducing operational risks.
- Conducted risk assessments, identified gaps, and implemented targeted mitigation actions.
- Analysed financial trends to inform risk management strategies and support informed performance decisions.
- Coordinated vendors and managed clearing systems, ensuring operational stability and continuity.
- Managed inward and outward clearing under CTS/MICR, ensuring timely debit-credit posting.
- Processed salary transfers and payment transactions per SLA within required TAT.
- Verified RBI lodgements and completed RBI settlements with accurate confirmations.
- Reviewed due diligence tickets, resolved discrepancies, and improved compliance quality.
- Collaborated with compliance teams on policy updates and issue escalations.
- Developed and monitored compliance processes, streamlining workflows to enhance operational efficiency.
Teller
Kotak Mahindra Bank Ltd
02.2022 - 09.2023
- Managed cash deposits and withdrawals, ensuring optimal branch cash levels for daily operations.
- Processed branch transactions, including NEFT/RTGS transfers and salary processing.
- Examined cash notes at the counter for quality and authenticity to ensure compliance with banking standards. at the cash counter.
- Coordinated delivery of inventory items to ensure timely availability at branch. and inward and outward clearing processes.
Relationship Manager
ICICI Bank
11.2019 - 02.2022
- Managed assigned portfolio and improved it through multi-product sourcing.
- Sourced multiple CASA LI loan types from market offerings, enhancing customer options.
- Sourced CASA TPP products from open market funding, achieving target fulfilment.
- Improved SOP score by implementing performance tracking measures. against KRA by maintaining performance standards.
- Compiled daily sales reports for timely submission to reporting manager.
Education
M.com -
MDU
Rohtak, Haryana01-2019
B. Com - Commerce
DU
Rohtak, Haryana01-2017
Completed -
01-2011
Skills
- Regulatory compliance
- Risk management
- Financial analysis
- Operations optimisation
- Operational efficiency
- Process improvement
- Predictive analytics
- Banking services
- Customer relationship management
- Analytical thinking
- Decision-making abilities
- Communication skills
Timeline
MANAGER (BRO)
Axis Bank
09.2025 - Current
Deputy Manager (SDM)
IndusInd Bank
09.2023 - 09.2025
Teller
Kotak Mahindra Bank Ltd
02.2022 - 09.2023
Relationship Manager
ICICI Bank
11.2019 - 02.2022
M.com -
MDU
B. Com - Commerce
DU