Rajesh Gond

Currently employed with DCB Bank as a Credit Operations Manager in CROPS Non Retail department.

Responsibilities:

* Generating CKYC number for new onboarding customer.

* Tracking of all pan India request for CKYC and preparing CKYC status report.

* Responsible for audit queries resolution, raised by Audit and Compliance team on daily basis.

* Correcting details in finacle as per the exceptions raised by Audit and Compliance team.

* Circulation on new process changes to branches and guiding them for implementation.

Worked with Indusind Bank as a Chief Manager in Document verification Unit (Duration - from 25-02-2013 till 15-12-2023)

Responsibilities:

• Verification of Account opening applications for Non Individual applicants under various CASA products as per RBI and Bank's KYC guidelines.
• Assessment of KYC documents for Non-Individual (Accounts of Proprietorship firms, Partnership Firm, Private & Public Limited Companies, Accounts of HUF firm, Accounts of Trust, Accounts of Societies, Government department accounts) applicants.
• Handling Videokyc process for Saving accounts and Term Deposits.
• Handling queries related to documents received with the account opening form & liaising with the branches to resolve the same on high priority.
• Impart knowledge to new recruits about products and systems and train them to execute their actionable independently.
• Raising and taking clarification on KYC queries from product team
• Coordinating with branches on month ends to ensure account activation on priority.
• Reporting suspicious accounts to Banking Operations Team.
• Performing AML & dedupe checks for every request's to avoid duplication of customer id and diversion of funds.
• Managing the entire process within a specified TAT.

(Duration - from 22-06-2011 till 16-02-2013)

Responsibilities:

• Processing of various types of account opening request as per kyc guidelines laid by RBI for saving account, current accounts, term/fixed deposit request etc. (end to end process)
• Performing AML and dedupe checks for every request's to avoid duplication of customer id and diversion of funds.
• Handling priority account opened on scan like Gold loan, HNI customer and tractor loan.
• Following with branches for various discrepancies in customer request in order to provide standard service to customer as per DCB Bank vision.
• Returning back account opening forms with letter to customer whose account opening forms are discrepant for more the 20 days with NPC and initial account opening amount cheque rejected due to insufficient funds.

(Duration - from 30-08-2008 till 17-06-2011)

Responsibilities:

• Proposal review slip checking in life Asia i.e. Scrutiny of proposal form as per IRDA guidelines.
• KYC Checking of applicants as per the guidelines laid by the IRDA.
• Dedupe checking & merging two client ids.
• Shortfall of premium checking and cheque rejected due to insufficient funds & generating shortfall letter.
• Coordination with Rework department and refund department.
• Generation of new number for plan mismatch, STP Failed and Wrong conversion.
• Coordinating with branch regarding Agent has no pan number, Agent not trained in U/L Product.

(Duration - from 11-12-2007 till 30-08-2008)

• Reviewing loan requests for accuracy, completeness, and compliance with applicable regulations before submitting to underwriting team/Credit officer
• Coordinating with other departments to ensure smooth processing of credit applications.
• CIBIL report generation
• Coordinating with FI agency for FV reports.

• Reviewing Kyc documents of customers
• CAM preparation, CIBIL generation before submitting the loan documents to Credit officer
• Coordinating with FI agency for FV reports
• Preparing MIS of Daily login.