Krupesh Sunil Guhagarkar
Kandivali (w) Mumbai
Summary
Strategic Chief Manager with expertise in compliance testing frameworks. Ensures adherence to RBI regulations and internal governance through effective management of inspections and audits. Drives operational effectiveness by updating internal policies and implementing compliance management software, contributing to organisational growth.
Overview
19
19
years of professional experience
Work History
Chief Manager – Compliance
Asset Reconstruction Company (India) Limited
06.2025 - Current
- Lead end-to-end compliance testing framework to ensure adherence to RBI regulations, and internal governance standards.
- Oversaw regulatory reporting, ensuring timely compliance with RBI circulars, notifications, and Master Directions applicable to ARCs.
- Coordinated RBI inspections and audits, preparing submissions, regulatory correspondence, and ensuring closure of audit observations.
- Spearheaded implementation of regulatory and compliance management software to automate compliance tracking, monitoring, reporting, and audit trail management.
- Review, update, and implement internal policies and SOPs to maintain regulatory alignment and operational effectiveness.
- Collaborated with cross-functional teams to integrate compliance controls into business processes.
- Monitor regulatory developments and advise senior management on impact assessment and implementation.
- Facilitated compliance initiatives for Arcil
Manager Grage II
ICICI Bank Ltd
03.2021 - 05.2025
- Led team of 25 staff members, fostering collaboration and ensuring timely task completion.
- Supervised the flow of documents within the omni flow system to ensure accurate processing and compliance.
- Coordinated with compliance team to implement effective AML measures during account opening.
- Assisted compliance team with bank-induced closures following RBI guidelines.
- Analysed reports for discrepancies and suspicious activities.
- Followed standard AML procedures and processes.
- Managed MSME processes, linked and delinked customer IDs, retrieved account opening forms, and updated biometric verification records.
Manager
Axis Bank Ltd
11.2017 - 02.2021
- Managed customer service and conducted service quality audits to enhance client satisfaction at the location.
- Prepared MIS reports to provide actionable insights to top management on performance.
- Oversaw internal and concurrent audit processes to ensure compliance with regulations.
- Coordinate with Sales, Credit, and Collection for smooth functioning of Branch.
- Monitor Day to day activities of branch Staff.
- Managed the timely disbursement of mortgage and SME funds to support client needs.
- Reviewing post-sanctioned credit proposals and legal documentation to Relationship Manager.
- Mortgage creation, CERSAI reporting and charge creation with ROC.
- Restructured loans and facilitated implementation of government schemes for Covid relief, ensuring compliance and support for affected clients.
- Handling other instalment loans such as Wheels, Education Loan, Personal Loan, Business loans.
- Processing cancellation and post sanction modification of existing limits or loans.
- Manage to update PDD updating for all Mortgages Loans.
- Well versed in handling Subvention Scheme for CAT A builders/Developers and doing regular tracking for the scheme documents.
- Monitoring Collection of PF updating and NACH mandate to reach HO on time.
- West 1 Coordinator to manage the smooth functioning of the region related to service and quality and PDD management for Mortgages.
- Processed loan applications according to credit policies and operating procedures.
Deputy Manager (Retail Asset Operations)
HDFC Bank Ltd
04.2011 - 10.2017
- Managed Home Loan disbursement, auto loan, used car, personal loan, CV/CE loan, education loan, and various other retail asset operations.
- Well versed with process knowledge of Auto and Used car Loan/Personal Loan & Consumer Durable Loan.
- Managed DSA and dealer empanelment, enhancing disbursement operations.
- End to end coordination and disbursement of various schemes offered through Government Sponsored Loan along with subsidy.
- Assigned daily disbursement tasks to team members.
- In depth Knowledge of all the documents as per KYC norms, Bank’s policy, Rate grid, Schemes, Approvals, and Deviations and disburse within TAT.
- Set up ESBTR processing with bank in close coordination with PNB bank and IDBI bank for Andheri Loan centre (Trade Star).
- Conducted regular meetings and visits with dealers and DSA to address urgencies and secure additional business for the bank.
- Updated knowledge of processes pertaining to respective products as published by the bank.
- Performed essential functions like interviewing staff, performance reviews, as well as provided training programs to new support staff.
- Developed significant reputation for leadership due to excellence relationship with employees and willingness to lead by example.
- Led various projects given by the bank and successfully implemented all in production by completing UAT with IT and Process Teams.
- Suggested and implemented process improvements, reducing time and effort in operations.
Process associate in operations
TATA CONSULTANCY SERVICES
01.2009 - 04.2011
- Transactional Monitoring & Suspicious Cases Reporting To FTU.
- Responsibility of AML compliance of the bank.
- Performing ongoing customer due diligence including maintenance and updating of AML and KYC records and information for existing clients.
- Performs independent check of KYC information provided by front office.
- Assisted in developing and implementing a centralised KYC/AML ownership protocol to enhance compliance.
- Liaised with internal/external stakeholders to produce exception management reporting and MIS.
- Built and maintained effective relationships with relationship managers to enhance collaboration.
- Collaborated with various departments within Citibank to streamline processes.
- Coordinated with the Treasury department to manage rate bookings for transaction processing.
- Processed outwards payments, inward payments, bulk salary payments, high value payments, issuance of managers' cheque and demand drafts, internal transfers, standing order instructions, and sweep instructions.
- Ensured timely processing of all products in accordance with set SLAs and cutoffs, minimising delays and customer impact.
- Conducted UAT testing for system enhancements and upgrades.
- Training new team members on the processing part and giving overview of the process.
- Preparing various MIS as per client and process requirement, daily volumes report, monthly volumes report, throughput details of all products, Product wise detailed report which is sent to Central Bank of Sri Lanka.
- Interacting with various Citibank departments like, Trade Dept, Account Maintenance Team, System Support Teams and Relationship Managers of the Citibank customers.
Executive in supporting to HDFC Bank Ltd
ADFC PVT LTD And Other Firms (Outsource International & Uday & Company)
08.2007 - 03.2008
- Checked every request to prevent duplication of customer ID and diversion of funds, safeguarding financial integrity.
- Handled documentation for account opening for retail and corporate clients, ensuring compliance with regulatory standards.
- Provided active support and execution of Account opening processing.
- Compiled reports on accounts opened with deviations, facilitating accurate tracking and documentation for audit purposes.
Education
Post Graduate Diploma - PGDBA
PGDBA
Symbiosis Centre for Distance Learning (SCDL) 04-2026
Bachelor’s degree - Commerce
K J Somaiya College of Arts & Commerce
Skills
- Regulatory adherence
- Compliance oversight
- Risk assessment
- Security access management
- Bank systems knowledge
- Bank systems proficiency
- Client database expertise
- Regulatory project coordination
- Independent analysis
- Independent and team collaboration
- Attention to detail
Custom Section
Thanks & Regards, Krupesh Guhagarkar
Timeline
Chief Manager – Compliance
Asset Reconstruction Company (India) Limited
06.2025 - Current
Manager Grage II
ICICI Bank Ltd
03.2021 - 05.2025
Manager
Axis Bank Ltd
11.2017 - 02.2021
Deputy Manager (Retail Asset Operations)
HDFC Bank Ltd
04.2011 - 10.2017
Process associate in operations
TATA CONSULTANCY SERVICES
01.2009 - 04.2011
Executive in supporting to HDFC Bank Ltd
ADFC PVT LTD And Other Firms (Outsource International & Uday & Company)
08.2007 - 03.2008
Post Graduate Diploma - PGDBA
PGDBA
Bachelor’s degree - Commerce
K J Somaiya College of Arts & Commerce