Kapil Joshi

Currency Management

• Lead and manage banking operations, including transaction processing, reconciliation, settlements, and customer service for a network of branches.
• Implement strategies to streamline workflows and optimize productivity, resulting in a 20% reduction in operational costs.
• Managed the daily inward and outward movement of currency, ensuring constant supply of cash for ATMs and bank branches.
• Oversaw the vaulting process, maintaining strict control and security of cash reserves as per RBI guidelines, ensured comprehensive compliance with all regulatory and statutory requirements related to cash management and currency chest operations.
• Monitored and maintained the proper functioning of all security equipments/elements to ensure secure environment.
• Coordinated with other banks currency chest for cash offloading and diversion orders, optimizing cash flow and minimizing cost.

Loan Operations

• Managed the end-to-end processing of business loans applications, ensuring complete documentation with regulatory compliance.
• Managed the post-disbursement loan servicing activities, processing loan modifications and managing collateral releases.
• Handled the timely and accurate disbursement of funds for approved business loans, ensuring all pre-disbursement conditions fulfilled.

Compliance and Risk

• Ensure full compliance with banking regulations, including KYC (Know Your Customer), AML (Anti-Money Laundering), and other industry standards.
• Directed daily operations for managing a team responsible for regulatory reporting.
• Provided administrative support to senior staff in preparing reports and maintaining operational records.
• Monitored compliance with banking regulations and assisted in audit preparations, ensuring accurate documentation and adherence to policies.
• Improved compliance adherence, reducing audit discrepancies by 15% through targeted training and process reviews, conducted regular audits to ensure compliance.

Training and Supervision

• Conducted monthly training sessions for new hires and ongoing staff development, trained and supervised junior staff in banking operations and compliance.
• Mentor and lead a team of 10+ staff members, overseeing daily banking operations.
• Reduced error rates in transaction processing by 10% through process refinement and staff training and continuous improvement.

• Assisted in the preparation of financial statements.
• Assisted in preparing tax returns and financial statements.
• Conducted audits and compiled reports.
• Supported senior accountants with data analysis.