Ravikumar Lokesh
Banking
Bangalore
Summary
Dynamic banking professional with over 12+ years of diverse experience in driving operational excellence and enhancing top-line and bottom-line performance. Proven ability to formulate and execute strategic initiatives, translating organizational goals into actionable policies and objectives. Expertise in planning, leading, and implementing complex projects while effectively communicating potential challenges, risks, and contingency strategies to optimize resource allocation, timelines, and project scope. Committed to fostering a results-oriented environment that prioritizes efficiency and innovation.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Vigilance Manager
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.
Operational Risk Manager
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.
Deputy Branch Manager (Chief Manager)
Indusind Bank Ltd.
06.2021 - 08.2022
- 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. (PAQ)
- Handling Legal Notices and replaying the notices to the statutory. (BMU)
- 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 6 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.
Branch Operations Manager
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.
Assistant Branch Head
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.
Front Desk Officer (FDO operations)
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.
Education
M.Com - Accountancy
04.2001 -
B. Com - Accountancy
05-2012
Skills
Risk evaluation
Operational efficiency enhancement
Risk management expertise
Regulatory compliance
Critical analysis
Root cause identification
Financial control management
Expertise in RCSA processes
Analysis of audit findings
Regulatory adherence
Policy evaluation
Effective relationship management
Certification
Post-Graduation Diploma in Retail Banking Certification, NIIT IFBI
Timeline
Vigilance Manager - Ujjivan Small Finance Bank
06.2025 - Current
Operational Risk Manager - Ujjivan Small Finance Bank
09.2022 - 05.2025
Deputy Branch Manager (Chief Manager) - Indusind Bank Ltd.
06.2021 - 08.2022
Branch Operations Manager - Kotak Mahindra Bank
11.2019 - 05.2021
Assistant Branch Head - Bandhan Bank Ltd.
10.2016 - 11.2019
Front Desk Officer (FDO operations) - AXIS BANK LTD.
07.2013 - 04.2016
Karnataka State Open University - M.Com, Accountancy
04.2001 -
Bangalore University - B. Com, Accountancy