Bindu Tiwari
Associate Vice President
Mumbai
Summary
Seasoned banking professional with 16+ years of experience in wealth management, branch operations, business banking, operational risk & user access management. Seeking a challenging role in the banking sector to utilize my strengths in process optimization, client relationship management, and regulatory compliance.
Overview
16
16
years of professional experience
2008
2008
years of post-secondary education
Work History
Associate Vice President - User Access Management
Kotak Mahindra Bank Ltd.
03.2022 - Current
- Manage access to the bank s systems, ensuring the right individuals receive timely access and revoking access when no longer required.
- Monitoring of 'KRAMAN' requests, remedies & API Partial success cases on same day for processing
- Managing direct escalations raised by users and senior management
- Highlighting technical cases to the IT/BSG team and ensuring timely follow-up for resolution.
- Sharing knowledge bytes across branches to enhance understanding and adoption of the KRAMAN process
- Organizing training and knowledge-sharing sessions for E0 and M1 level employees to support professional development and succession planning.
- Managing assigned projects focused on the automation and enhancement of the KRAMAN system
- Prepare a monthly dashboard for the team to monitor daily TAT/escalation management.
Senior Manager Wealth Banking & Branch Operations
Kotak Mahindra Bank Ltd.
04.2019 - 03.2022
- Leading branch operations and wealth banking services for high-net-worth clients across Maharashtra and Gujarat.
- Managing foreign inward/outward remittances, currency rate bookings, and client advisory for FX conversions.
- Ensuring end-to-end service delivery, compliance, transaction authorization, and team leadership.
- Handling mutual fund and demat operations for wealth clients.
Deputy Manager Operational Risk, Retail Asset Operations
ICICI Bank Ltd.
10.2016 - 03.2019
- Conducted audits and compliance checks for retail asset products (home loans, credit cards, consumer loans, LAS).
- Performed SOX testing, operational risk assessments, vendor compliance, and clause 49 reporting.
- Suggested process improvements for TAT reduction, automation, and service efficiency.
Deputy Manager Branch Banking & Client Relations
Kotak Mahindra Bank Ltd.
07.2009 - 10.2016
- Oversaw cash, clearing, remittance, and ATM operations while managing walk-in customers and internal audits.
- Cross-sold financial products (CASA, FD, insurance), handled locker operations, and resolved client service issues.
- Built strong relationships with HNI clients and supported business growth through effective service delivery.
Education
Bachelor of Management Studies -
SNDT University
H.S.C. - Commerce
Maharashtra State Board
S.S.C. - undefined
Maharashtra State Board
Skills
- Wealth & Business Banking
- Branch Operations & Compliance
- Remittance & Trade Desk Handling
- Customer Relationship Management (HNI)
- Ensuring accurate access provisioning and revoking
- Handling access issues and resolving user requests promptly
Accomplishments
- Recognized by the regional business manager and Area Manager for cross-selling excellence.
- Honored for providing users with access as per defined timelines.
Timeline
Associate Vice President - User Access Management
Kotak Mahindra Bank Ltd.
03.2022 - Current
Senior Manager Wealth Banking & Branch Operations
Kotak Mahindra Bank Ltd.
04.2019 - 03.2022
Deputy Manager Operational Risk, Retail Asset Operations
ICICI Bank Ltd.
10.2016 - 03.2019
Deputy Manager Branch Banking & Client Relations
Kotak Mahindra Bank Ltd.
07.2009 - 10.2016
H.S.C. - Commerce
Maharashtra State Board
S.S.C. - undefined
Maharashtra State Board
Bachelor of Management Studies -
SNDT University
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