Hi, I’m
VISHNU K
Mavelikkara
Summary
Achievement-driven banking and finance professional with 8+ years of experience in Banking Operations, Audit, and Risk Control across Banking and NBFC sectors. Strong expertise in fund transfer operations, branch cash management, regulatory compliance, and internal audits. Proven ability to ensure secure, accurate, and timely transaction processing while maintaining RBI, KYC and AML compliance.
Overview
8
years of professional experience
2
Certificates
3
Languages
Work History
Muthoottu Mini Financiers
Territory Manager
03.2025 - Current
Job overview
- Supervise loan disbursement fund transfers via NEFT, RTGS, IMPS, UPI and internal transfers
- Ensure timely and accurate credit of loan amounts to customer accounts
- Verify customer bank details and approvals before transfer
- Coordinate with banks for failed or pending transactions
- Monitor daily fund movements, cash management and branch transactions
- Track portfolio quality, PAR, overdue and NPA levels
- Prepare MIS reports on disbursement, collection and performance
- Identify and prevent fraudulent or suspicious activities
- Resolve customer grievances and operational issues quickly
ESAF Small Finance Bank
Branch Operation Manager
08.2024 - 02.2025
Job overview
- Manage daily branch cash receipts and payments
- Ensure proper cash handling and vault security
- Authorize high-value customer fund transfers
- Oversee NEFT, RTGS, IMPS, UPI and internal transfers
- Implement maker–checker controls to prevent errors and fraud
- Verify beneficiary details and transaction limits
- Monitor and resolve pending or failed transactions
- Ensure compliance with RBI and internal banking policies
Asirvad Microfinance Ltd.
Audit and Risk Manager
01.2019 - 08.2024
Job overview
- Conduct internal audits of branches and transactions
- Audit fund transfers and cash operations for compliance
- Identify operational and financial risks
- Detect fraud, irregularities and policy violations
- Review loan files and transaction authorizations
- Recommend corrective and preventive control measures
- Perform surprise audits and field inspections
HBD Financial Ltd. (HDFC Bank Channel)
Sales Officer
01.2018 - 01.2019
Job overview
- Prepare, analyze and verify annual reports, financial statements and other records using accepted accounting and statistical procedures to assess financial condition and facilitate financial planning
- Examine inventory to verify journal and ledger entries
- Assist in audit queries during the audit process
- Examine books of accounts and accounting systems for efficiency, effectiveness
- Provide assistance to Auditor to complete annual audits within preset deadlines.
- Develop audit scope and audit program for assigned project.
- Provide updates to Auditor about project status on regular basis.
Education
MG UniversityKerala, India
MBA from Finance
01.2016
MG UniversityKerala, India
Bachelor of Commerce
01.2014
Skills
NEFT
RTGS
IMPS
UPI
Internal Fund Transfers
Branch Banking Operations
Cash Management
Audit
Risk Assessment
RBI Compliance
Certification
Certified Professional in Tally (G-Account), G-Tech
Timeline
Territory Manager
Muthoottu Mini Financiers
03.2025 - Current
Branch Operation Manager
ESAF Small Finance Bank
08.2024 - 02.2025
Audit and Risk Manager
Asirvad Microfinance Ltd.
01.2019 - 08.2024
Sales Officer
HBD Financial Ltd. (HDFC Bank Channel)
01.2018 - 01.2019
MG University
MBA from Finance
MG University
Bachelor of Commerce
Languages
English
Malayalam
Tamil
Personal Information
- Passport Number: P4068923
- Date of Birth: 09 October 1991
- Nationality: Indian
- Marital Status: Unmarried
- ID Type: Passport
- ID Number: P4068923