N K Anand

A competent professional with over 19+years of experience in Retail Banking and corporate onboarding Operations, Core Banking Operations & Process Migration, Bank Migration, Marketing and Logistics operations. Recognized proficiency in Banking Operations, Governance of Operations, Team Handling, defining various specifications for application implementation, and client interaction for resolving concerns. Experience in providing training on core banking operations to business & application users in enhancing productivity and smooth functioning. Proficient in handling quality customer service operations, organising process strategies and building relationships with various groups. Abilities in conducting periodical process audits in the department, ensuring compliance of the same. Proficient in stakeholder management, adept in coordinating with various branches, vendors (TCS, MMC, GNSA, AVON & POLARIS) & managing a variety Business to Business relationship. Possess strong communication, analytical, analysis / mapping and negotiation skills. Exceptionally well organized with a track record that demonstrates self-motivation, creativity and initiatives to achieve both personal and corporate goals.

Performance-driven Vice President with 19 years of experience aligning systems with business requirements, policies, and regulatory requirements. Passionate about applying excellent organization and communication skills to manage and lead teams. Results-oriented individual well-versed in interfacing and consulting on business processes to drive results based on sound overall business judgment.

• Achieved 23.8 Crs cost save by reviewing the GST claim process and implemented changes to the approach of data extraction for eligible charges reversals.
• Implemented manual process of calculating and charging TCS for debit card international transactions in June'23. successfully Implemented real-time TCS charging for debit card and UPI products. this allowed automatic deduction of TCS, ensuring compliance and reducing manual intervention. The TCS mechanism for credit card is ready for deployment.
• Centralized branch helpdesk setup for credit card related queries to reduce wait time by efficient tracking/routing of queries and improve service quality /customer experience.
• Asset backed finance portfolio migration from Citi to axis system. Portfolio value of 6000 crs with 50k customer base. Key considerations are valuation and due diligence, integration and GL balance movement.
• Credit cards portfolio migration from citi to axis system. Portfolio size of ~3 million credit cards. Customer communication, consent exercise, closure of non consented customers cards, Reconciliation activities carried out during migration and post migration customer issues management.
• Re-kyc base migration from Citi to axis system, accuracy testing of Risk rating, revised rekyc due date alignment post migration.
• Achieved cost save to the back by digital initiatives to Send Form 16 Certificates by EMAIL, CBOL Upload Functionality, CBOL STP, automation of manual certificates/statements, IMPS, deposit creation and liquidation, fund transfers for NR customers, Digital account opening in Citi bank.
• Set up of CKYC, AADHAR & PAN, GST Implementation, Demonetization core banking system changes, ATM set up changes and regulatory reports submission, automation of reconciliation process, RBI KYC review and reporting, Citi priority segment launch, New rewards structure on debit cards, Debit card cash back program.
• Collaborated with various operations team, technology and business stakeholder in the development of eBBS system & implementation, and conducting user acceptance testing for India, GULF, Africa & UK countries in standard chartered bank.

• Date of Birth: 09/20/81
• Marital Status: Married

⬄ Awarded for implementing new rewards structure for debit cards in system in 2014 at Citi Bank N.A.

⬄ Recognized for the contribution towards implementing GST/CKYC at Citi Bank N.A.

⬄ Appreciated for quick response on mitigating during skimming of debit cards risk in the year 2015 in Citi Bank N.A.

⬄ Awarded as OPUS 2015 and OPUS 2021 from core operations.

⬄ Received Citi business manager award for implementation of key digital projects in 2016.

⬄ Recognized by CEO for the contribution towards the completion of the integration of American express Bank into standard chartered bank.

⬄ Recognized by Head of Consumer Banking for contribution to the successful roll out of Core Banking System for India ­ eBBS.

⬄ Received Appreciation letter from Chief Executive of Standard Chartered Bank for exemplary performance in 2008.

⬄ BUSINESS CHAMP RISK TEAM for exemplary team work with nil customer complaints or exceptions towards risk and audit requirements.

⬄ VALUECHAMP TRUSTWORTHY for Process Improvements.

⬄ BUSINESS CHAMP OUT SERVE TEAM for Excellent Customer Service provided to a client.

⬄ STAR PERFORMER AWARD from CIO for handling the team single handedly with nil exceptions in QA and smooth service delivery and customer satisfaction.