Mahesh Kumar

MAHESH KUMAR Operations Management ● Risk Management ● Process Enhancement Proficient in running successful method-oriented operations and taking initiatives for business excellence through process improvement Industry Preference: Banking/ Finance & Insurance Padukone kundapura, Udupi - - Profile Summary MBA (Finance) qualified offering 13 years of in depth experience in banking operations, bullion operation, liability operation, syndication loan, credit administration, commercial & retail loans processing at back office / central operations. Previously associated with National Bank of Fujairah, as officer bullion operations, liability operation, deposits operation, Control day-to-day transactions performed by the treasury unit, Preparing gold disbursements, Check daily transactions and reconciliation, fund transfer, preparing SWIFT messages, Monitoring on a daily basis the value of cash margin and UAT testing for new bullion inventory system, fixed deposits processing, loan disbursement and settlement. Education ◈ Master of Business Administration (Finance) from Sikkim Manipal University, India in 2006 ◈ Bachelor of Science in Information Technology from Sikkim Manipal University, India in 2005 ◈ Bachelor of Commerce from Mangalore University, India in 2004 IT skills ◈ ◈ ◈ ◈ ◈ Oracle 8, Oracle 8i/ Developer 2000 Visual Basic 6.0 Database with Access Internet, HTML and Multimedia Data Warehousing and Data Mining ◈ ◈ ◈ Office Package: MS Word, MS Excel, MS PowerPoint, Outlook Express, Tally Operating Systems: Windows 95/98/2000/XP, Dos Languages: Oracle, Visual Basic, C++ and Java Work Experience National Bank of Fujairah, Dubai, as officer bullion operations/liability operation Apr’18 – Apr’21 Key Result Areas: ◈ ◈ ◈ ◈ ◈ ◈ ◈ ◈ ◈ Responsible for Bullion operations, customer service & compliance of policies & procedures Experience in Settlements & supervision of Bullion Business operations Preparing gold disbursements & monitoring Bullion Stocks Control day-to-day transactions performed by the treasury unit Check daily transactions ensuring balancing and reconciliation with general ledger accounts and make prompt investigation with the suppliers in case of any difference to ensure compliance with the Bank’s requirements. Check the cleared transactions with all its details and overriding any transaction if required to ensure the timely and balancing of clearing related accounts. Liability operation- loan disbursement, settlement and extension. Syndication loan processing Deposit operation- Fix deposit, pledge deposit, dream deposit and advance interest deposit booking. Finance House, Abu Dhabi, as Operations Officer, (Central Operation) Key Result Areas: ◈ ◈ ◈ ◈ ◈ ◈ ◈ ◈ ◈ Feb’14 – Feb’16 Processing/Disbursement of Commercial and Retail Loans in T24 system Review sanctions letter and facility officer letter Security document verification, Fast turnover time, accurate input of product line, limit set-up, interest rates, commissions, tenor, amount etc. Regulating full/ partial payments, deferment, restructuring, rescheduling of loans Processing loan Write-off, waiving of penalty charge Processing buyout cases, top-ups, freeze/De-freeze of loan Initiating transfer of fund - Central bank transfer and internal transfer Preparation of Manager Cheques in T24 ◈ ◈ ◈ ◈ ◈ ◈ ◈ ◈ ◈ ◈ ◈ ◈ Account opening, creation and updating of customer information file (CIF) Checking customer status in central bank (CBRB) UAEDDS registration in the system Preparation of check list Lodgment of security documents and files updating Registering invoice/PDC in the system, generating schedule accordingly PDC and security cheque lodgment in ICCS as per schedule Processing Journal voucher Reconciling of security cheque and labor guaranty interest cheques and updating MIS Preparing repayment schedule based on sanction terms and conditions. Special assignments, such as data clean-up projects, User Acceptance Testing for development of new products. Allotting Clearances letter, No liability letter and local purchase order (LOP) UAE Exchange Centre LLC, UAE Growth Path: Officer - Operations Department Supervisor - Operation Department MIS Business Analyst Branch Compliance Officer Feb’08 - Jan’14 Feb’08 - Sep’08 Oct’08 May’09 Jun’09 – Mar’10 Apr’10 - Jan’14 Branch Compliance Officer (BCO) Key Result Areas: ◈ ◈ ◈ ◈ Executed and implemented competent regulatory authority guidelines, monitored day-to-day transaction, educated staff on KYC Standards, conducted due diligence, reported suspicious transactions Monitored transactions which were bound to reach high risk countries, customer or amount; collected supporting documents related to the source of funds and purpose of remittance Placed on hold, if any transactions that circumvent the guidelines Validated instant money inward and outward transactions MIS Business Analyst Key Result Areas: ◈ ◈ ◈ ◈ ◈ ◈ Jun’09 – Mar’14 Assisted the Area Manager to fix remittance, foreign currency, income & expenditure and issuance margin target Acted as reporting AM about yearly, quarterly, monthly, weekly, daily growth/ de growth MIS Prepare quarterly PMS analysis for the branch managers Calculate monthly staff productivity of the branches Responsible for daily calculate issuance margin for major currencies Formulated weekly MIS in Excel and in PowerPoint presentation file (PPT) Supervisor - Operations Department Key Result Areas: ◈ ◈ Oct’08 - May’09 Monitored cash management, updated FC rates, corporate business management, customer registration, compliance, claims recovery, customer care Assisted the staff in the day-to-day branch operations, managed quarries and prepared all the day end reports Officer - Operations Department Key Result Areas: ◈ ◈ ◈ Apr’10-Jan’14 Feb’08 - Sep’08 Regulated remittance and fund transfer operations sell or purchase foreign currency, cash management Directed execution and implementation of AML policy & procedures, accounts opening, Sell allied products Executed all other responsibility given by Branch Manager or Supervisor S.K. Soft Solutions, (Franchise Sikkim Manipal University), India as Faculty Key Result Areas: Feb’06 – Dec’06 ◈ Trained undergraduate students on database coding like Visual Basic, SQL Oracle, MS Excel and MS Access ◈ Instructed on fundamental computer skill, keyboard, and internet to students; provided basic knowledge on Office ◈ Package, Operating Systems short term course students and conducted periodic exams Personal Details Date of Birth: Marital status: Languages Known: Permanent Address: Passport Details: 26th March, 1982 Married English, Hindi and Kannada Suhana House, Hadavu Padukone Kunadpura Udupi Karnataka India M-