Kalpesh Panjabi

· Acting as Checker & Subject Matter Expert (SME) for Fixed Deposit operations across the APAC region, ensuring accuracy, compliance, and operational excellence.

· Managing end-to-end lifecycle of Fixed Deposit products including validation, processing, control checks, and issue resolution.

· Successfully delivered and automated Phase 1 APAC Fixed Deposit Automation Project for Hong Kong, India, China, Vietnam, Thailand, Malaysia, Taiwan, and Korea.

· Worked as an Independent Project Lead for India automation delivery, while collaborating with senior management and regional stakeholders for other APAC markets.

· Achieved 90% reduction in operational defects through implementation of automated controls, process standardization, and enhanced validations.

· Enabled approximately 50% Straight Through Processing (STP) through automation, significantly reducing manual intervention and turnaround time.

· Currently working on Phase 2 APAC Fixed Deposit Automation Project focused on automation of Deposit Renewal, Deposit Cancellation, and Deposit Closure processes.

· Collaborating with Technology, Operations, Product, and regional stakeholders to implement scalable automation solutions across APAC.

· Demonstrating strong people management skills by leading a team of 5 members, ensuring productivity, mentoring, and smooth delivery of operations.

· Acting as SME for audits, process enhancements, UAT discussions, and strategic transformation initiatives.

• Prepared and submitted RBI regulatory reports, including Basel liquidity report, liquidity returns report, and special monthly reports.
• Handled sweep maintenance for products, ensuring accurate zero balancing, fixed amounts, minimum balances, and cover overdraft sweeps.
• Handling Issuance & Liquidation of Corporate Deposits.
• Created volume reports on a weekly, monthly, and yearly basis.
• Resolved client queries while coordinating with relationship team and internal stakeholders to ensure timely solutions.
• Participated in discussions to simplify and streamline processes, identifying automation opportunities to enhance efficiency and control.
• Demonstrated ability to thrive in a fast-paced team setting by adapting quickly to changes.
• Developed strong multi-tasking skills while managing various tasks efficiently.

• Oversaw fixed deposit section operations across PAN India, ensuring compliance and efficiency.
• Executed sanction screening for third deposit issuance to ensure compliance with regulatory standards.
• Compiled and submitted regulatory reports weekly, monthly, and quarterly, ensuring accuracy and timeliness for stakeholders.
• Coordinated audit requirements for internal and external audits, facilitating thorough review processes.
• Prepared Active Deposits Report for in-house database, query tools, and daily reporting to finance team and key business stakeholders.
• Performed modifications, edits, and deletions to the database based authorized and approved documents.
• Performing the User Acceptance Test of Production Release and Enhancement.