1. Mahesh Kulkarni
Contact: +91-9820421788 Email: maheshk2121@gmail.com
PROFESSIONAL VALUE OFFERED
A High Energy, Diligent Banking Professional with 15+ years experience in Corporate Banking & Branch Banking Operation,
Client Servicing, Relationship Management and Team Management seeking a leadership role with a world class organization;
expertise in corporate banking, planning, execution and proficiency in devising and implementing strategic plans to achieve
organizational vision and strategic direction. Experienced in handling operations ensuring transparent, error-free business
transaction and reconciliation and a strong understanding of all accounting & commercial procedures and practices, including
various statutory compliances; An excellent communicator with demonstrated capabilities in achieving benchmarks in
business enhancement, improving customer service, and drive to constantly upgrade skills & knowledge; Possess strong
leadership, decision making, mentoring & relationship management skills while maintaining high standards of personal
performance and professionalism with ability to relate to people at any level of business and management.
KEY COMPETENCIES
Corporate Banking ~ MIS Reporting ~Risk Analysis ~ Statutory Audits ~ Statutory Compliances ~ Stressed Asset
Department ~ Operations Management ~ Relationship Management ~ Client Servicing ~ Trade Finance ~ Risk
Management ~ Strategic Analysis ~ Key Client Retention ~ Coordination & Liaison
CAREER PROGRESSION
AXIS BANK LTD., MUMBAI Mar 2005 Till date
Axis Bank Limited headquartered in Mumbai, is the third largest private sector bank in India. It offers financial services to
customer segments covering Large and Mid-Corporate, MSME, Agriculture and Retail Businesses
Financial Crime Management Department May-
2014 – till date
Asst. Vice President
· Management of frauds through internal tools includes related developed software.
· To handle incidents and suspected frauds and frauds. Investigation of major/complex and large value frauds and other
frauds where onsite investigation is required.
· Detail investigation should be completed in described period covering all facts and factual and without intervention of
any source.
· Investigation report should be comprehensive and cover control/process failures, staff accountability, staff
responsibility, compensation to customer etc.
· All task related work are time bounding and must ensure that there should not be any scope for breach of internal
guidelines and external such as RBI reporting etc.
· Handing of RBI correspondence relating to reporting of frauds and any other correspondence thereafter.
· Corresponding and coordinating with internal departments, sharing of the information etc to summarized the report.
STRESSED ASSETS DEPARTMENT Apr 2011 –May 2014
Asst Vice President
· Handling of the provisional NPA and declared NPA accounts, covering the entire SME portfolio for entire western
region includes Maharashtra, Gujarat, Madhya Pradesh and Goa. Handling Mid Corporate, Large corporate accounts
along with the proposals which were referred to CDR, BIFR
· Conducting meetings with borrowers, understand their repayment plan and then decide the strategies towards the
recovery and subsequently the appointment of a recovery agency
· Taking symbolic, physical possessions of the properties as per SARFAESI Act
· Disposal of the properties through public auction and or as per SARFAESI Act
· Handling all legal issues relates to the SARFAESI Act
· Arranging meetings with the borrower and conducting inspection of the mortgaged immovable properties
· Conducting meeting with advocate and council, decide the path of recovery and accordingly initiate the course of
action
· Initiating required legal action depending upon the nature of the business and outcome with the borrower
· Preparation and monitoring of MIS for arriving at strategic comparative analysis
Achievements:
· Achieved year –on- year targets assigned in Stressed Assets Department
· Growth at Axis Bank in 10 years: Deputy Manager – Manager - Sr. Manager - Asst. Vice President
CORPORATE BANKING DIVISION Mar 2005 – Mar 2011
Senior Manager - Corporate Banking Branch
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2. · Represented as account manager more than 40 accounts which includes various segments such as SME, Mid
Corporate, Large Corporate and Channel Finance
· Arrange and conduct the meeting with the customers, understanding their business requirements, credit arrangement
and accordingly suggest and prepare documents
· Handled post disbursement process including drafting and preparing documents relates to the sanctioned facilities in
consultation with legal team
· Monitoring and ensure to avoid operational loss and income leakage
· Effectively handling customer compliance and provide corporate solutions
· Handled various kinds of audit such as concurrent audit, statutory audit, credit audit and RBI audit
· After disbursement follow up for meticulous compliance and strictly monitoring of the account
· Conducting inspection of the unit, following up for submission of various reports and statements from the borrower
· Handled the entire activities of letter of credit and bank guarantees including verification of documents and disbursal
· Handled dealer and vendor financing for the channel members of reputed brands such as Titan, TISCO, Bajaj Electricals
and Parle products
· Compiled Credit appraisal of borrowers and performed risk analysis, to decide on the quantum of loan
· Ensured compliance of various statutory requirements as per audit guidelines as well as regulations laid down by
various acts governing banking operations
· Generated MIS reports and send to the head office regarding bank operation, fund management and statutory details
· Established excellent rapport with the corporate customers, and ensured repeated business from them regularly
· Joined as Deputy Manager at Nariman Point Branch then shifted to Corporate Banking Branch after six months
PUNJAB & MAHARASHTRA CO-OP. BANK LTD. Jun 1999 – Mar 2005
Punjab & Maharashtra is one of the most upcoming and developed Banks in the co-operative sector. It is the multi state Bank
operating more than three states in the India. One of the youngest Banks who got the Banking license in very short span of time
Executive
· Worked in all departments at branch level, include Marketing Department, Cash and Clearing Department and loan
and advance department
· Doing all basic and necessary Banking transactions and operation at Branch level
· Preparation and compliance of MIS
· Handling Locker section including operation of lockers
· Handling of all credit portfolio of the branch which includes from preparation of credit proposal to disbursement of
Personnel, Consumer and Housing Loans
· Being a active member of Loan and Advance Cell established for enhancement of credit and advances
· Handling complete branch operation
ROLTA INDIA LTD Jun 1997 – May 1999
Rolta is a leading provider of innovative IT solutions for many vertical segments, including Federal and State Governments,
Defense and Homeland Security, Utilities, Process, Power, Financial Services, Manufacturing, Retail, and Healthcare.
Junior Officer – Procurement & Purchase
· Handled entire procurement of Hardware and software for in-house and project requirement
· Preparation of MIS, Updating vender register and coordinating with various vendors for the tenders
PROFESSIONAL TRAINING PROGRAMS
· Attended various training programs conducted in the Corporate Banking and Stressed Assets Department, 2006- 2013
PROFESSIONAL CREDENTIALS
• M B A in Finance Sikkim Manipal University 2013 – 2014
• J.A.I.I.B, Indian Institute of Banking & Finance 2000
• Diploma Material Management Welingkar Institute of Management Development & Research 2000
• Diploma Business Management Welingkar Institute of Management Development & Research 2000
• Diploma Export- Import Management - Indian Institute of Management 1999
• Complete Diploma in Computer programming from Tata Unisys Ltd 1997
ACADEMIC CREDENTIALS
· M.Com, Pune University 1998
· B.Com Model College, Mumbai University 1996
PERSONAL INFORMATION
Address: 302, Shree Sharanam CHS Ambika Nagar, Geograswadi, Dombivli (E), Mumbai 421201
Languages Known: English, Hindi and Marathi
Date of Birth: 26th November, 1975
Marital Status: Married
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