Ravikumar Lokesh

Work History

Ujjivan Small Finance Bank

06.2025 - Current

Conducted vigilance reviews and implemented preventive vigilance measures to minimize fraud and operational risks.
Assisted in fraud investigations , including transaction analysis, fact-finding, and preparation of investigation reports.
Ensured adherence to banking regulations , internal policies, and compliance guidelines issued by regulatory authorities.
Performed risk assessments to identify control gaps and recommended corrective actions.
Evaluated and strengthened internal control systems to enhance governance and accountability.
Supported regulatory reporting , ensuring accuracy, timeliness, and compliance with statutory requirements.
Promoted ethical governance practices and compliance culture across departments.
Maintained comprehensive evidence documentation , ensuring audit-ready records and investigation integrity.

Ujjivan Small Finance Bank

09.2022 - 05.2025

Risk Review Unit scoring of the Departments.
Identifying operational risks and assessing the adequacy of controls to manage such risks, including recommending enhanced or additional controls through Risk Control Self-Assessment (RCSA) and Internal Financial Control (IFC).
Conducting root cause analysis (RCA) and thematic reviews.
Review of Process, Policies, SOP, BRD collaborating with business lines.
Developing the risk culture in the Bank to ensure an appropriate balance between growth, profitability and risk through trainings.
Conduct regular drills and simulations to test the BCP, perform a Business Impact Analysis (BIA), identify critical business functions and processes, and determine recovery time objectives (RTO) and recovery point objectives (RPO) for each function.
Incident investigation and diagnosis, and investigate the root cause of the incident.
Gather information from affected systems and stakeholders to understand the incident's impact.
Evaluated third-party vendors'' operations, assessing potential risks associated with outsourcing activities.

Indusind Bank Ltd.

06.2021 - 08.2022

Kotak Mahindra Bank

11.2019 - 05.2021

Presently Handling as a Branch Manager from Nov 2020 to till date.
Taking care of all Branch Responsibilities as a Branch Manager.
Taking care of Branch Budget and Target for the FY.
Handling Daily BOD and EOD Branch operations.
Monitoring of the Office GL account.
Scrutinizing the AOF of the Branch.
Maintaining the Branch Service Quality and complaints.
Handling Legal Notices and replaying the notices to the statutory bodies within TAT.
Handling Inward and outward remittance for the customer.
Handling Branch FOREX transaction.
Maintaining portfolio of HNI customer and serving them at the Door step.
Handling Team size of 13 member and taking care of Team sales.
Maintaining the Complaint management for the branch.
Taking care of Service request of the customer and resolve it within the TAT.
Taking care of Process Surprise Visit(Audit) and reverting the queries on time.
Assisting and providing the information to AML for the suspicious activities.

Bandhan Bank Ltd.

10.2016 - 11.2019

Handling all branch operations.
Handling a Team and taking care of Team and individual sales.
Handling HNI clients and serving them at Door step.
Maintaining all branch reports EOD and BOD.
Maintaining the Branch audit reports.
Preparing the Audit related issue and resolve within the TAT.
Setting up the new branch's and new Branch operations.
Maintaining all office General ledgers and maintaining it within the TAT.
Assisted and provided information on Suspicious Activities Report.
Maintain a strong investigation and compliance skill to demonstrate extensive Banking.
Investigated, monitored and managed over 50 large accounts for suspicious activities on daily basis.
Used transnational and customer records external data and other information to identify suspicious activity.
Prepared suspicious activities reports for AML management.
Reviewed and analysis on moderate Risk accounts.

AXIS BANK LTD.

07.2013 - 04.2016

Handling regular INWARD AND OUTWARD clearing activity of the branch.
Custom Service- constant interaction with customers, understanding the difficulties, solving the issues within time, handling irate customers.
Expertise in various banking financial transactions- Fund transfers, RTGS, bulk uploads.
Handling of deliverables- pin kits, demand drafts.
Achieved sales targets in terms of account opening, investment products.
Head cashier of the branch.
Handling both receipts and payments of cash.
Joint custodian for branch securities and valuables.
Maintaining of various books for cash and securities.
Take care of DAY END activity of the branch.