Krutika Ameya Salvi
Banking Professional
Summary
A progressive banking professional from 11 years in the industry. A strong motivator and team player with effective leadership, communication, decision making and interpersonal skills together with bottom line corporate focus and result driven attitude.
Overview
15
15
years of professional experience
6036
6036
years of post-secondary education
1
1
Certification
3
3
Languages
Work History
MANAGER
HDFC BANK
07.2016 - Current
- Oversee accurate and timely processing and reconciliation of incoming and outgoing payments.
- Coordinate with internal teams, including treasury, risk management, and compliance, to ensure adherence to regulatory guidelines and internal policies.
- Ensured the streamlined operation of the Project Management Department in alignment with the business objectives of the organization.
- Own and manage the SOX Audit and Internal Audit process and ensure that all requisite data and compliance is provided and followed by stakeholders; ensure all audit requirements are met.
- Lead the CMS MIS team to guarantee the accurate and timely delivery of all MIS reports to customers in accordance with agreed SLAs.
- Conduct periodic audits of GST-related records to identify and correct any discrepancies or errors. Proven experience in handing GST Invoices and reversal of income and charges raised by the corporate in system.
- Analyze cash management trends on a monthly and yearly basis to identify key areas for informed decision-making based on data-driven insights.
- Contribute to process efficiency and cost savings through effective cost optimization strategies.
- Track and publish MIS reports on Turnaround Time (TAT) and First Time No Return (FTNR) metrics to stakeholders.
- Maintain and update process notes in a timely manner to reflect procedural changes.
- Conceptualize, design, develop, and implement system controls to enhance operational risk management and reduce manual intervention.
- Regularly interact with business groups to provide necessary support to internal stakeholders.
- Train staff to ensure compliance with the bank's HR systems and procedures.
FRONT DESK OFFICER
AXIS BANK
03.2015 - 07.2016
- Oversee daily branch operations to ensure timely and efficient delivery of services to customers
- Cultivate and sustain relationships with key clients and local community stakeholders
- Address and resolve customer queries and grievances promptly and effectively
- Manage cash transactions, maintain cash balance, and oversee other branch operational activities
- Work with various bank departments, including Operations, Credit, and Risk Management, to ensure seamless branch operations
- Develop and nurture relationships with key customers, high-net-worth individuals (HNWIs), and corporate clients to drive business growth
- Analyze and report branch performance and customer feedback to the branch manager and senior management
SENIOR DATA ASSOCIATE
CRISIL LTD
10.2009 - 04.2012
- Analysis Company's financial performance which includes, past financial and business performance and benchmark these against peers' performance.
- Project future performance of the company.
- Undertake rigorous credit risk analysis encompassing industry/ business research and financial analysis of various large corporate
- Assign ratings and prepare reports that cogently capture the rationale behind the rating.
- Make Credit Rating recommendation to Rating Committee.
- Ensure adherence to timelines.
- Maintain a high quality of analytics and rating committee presentation.
Education
Post Graduation Diploma - Finance Management
Narsee Monjee Institute of Management Studies
Bachelor of Management Studies - International Finance
Mulund College of Commerce
Higher Secondary - Commerce
Mulund College of Commerce
04.2001 - 05.2006
St. Thomas English School -
Skills
- Strong understanding of financial markets
- Banking products and services
- Ability to explain complex financial concepts
- Exceptional customer service
- Proficient in MS Office (Excel, Word, PowerPoint)
- Proficient in Finacle
- Proficient in Finnone
- Proficient in Flexcube systems
- Flexible and adaptable to changing market conditions
- Understanding of regulations and banking practices
Accomplishments
- HDFC Bank - Star Award for Cost Saving Project Mission 100 Karod
- HDFC Bank - Star Award for successful completion of Aadhar Project
- Axis Bank - Star Excellence Award 2015
- Crisil - Best Performer Award for demonstrating excellence in Team work
Certification
I certify that all information provided in this resume is true and complete to the best of my knowledge. I hereby give my consent for the processing of my personal data for the purposes of recruitment for the position I am applying for.
Timeline
MANAGER
HDFC BANK
07.2016 - Current
FRONT DESK OFFICER
AXIS BANK
03.2015 - 07.2016
SENIOR DATA ASSOCIATE
CRISIL LTD
10.2009 - 04.2012
Higher Secondary - Commerce
Mulund College of Commerce
04.2001 - 05.2006
Post Graduation Diploma - Finance Management
Narsee Monjee Institute of Management Studies
Bachelor of Management Studies - International Finance
Mulund College of Commerce
St. Thomas English School -
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