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RAJAT MALHOTRA
E-Mail: Rajatmalhotra42@gmail.com / Contact: +91 -7206667766
MANAGEMENT PROFESSIONAL – BANKING OPERATIONS
 Operations Audits, Risk & Compliance Management 
~ Notable success in achieving results in a highly competitive environment with key focus on quality & customer satisfaction while
working with leading Banks; presently associated with Kotak Mahindra Bank as Manager - Branch Operations Head ~
PROFILE SUMMARY
PGDM (Finance), PGDBO - Banking & Operations, B.Com. & JAIIB Certified offering nearly 6 years of rich experience in:
Banking / Back-Office Operations Branch Administration Service Excellence/KYC & AML Norms
Process Improvement/ Cost Savings Fraud Prevention/Risk Control Account Opening
Client Relationship Management MIS Reports / Statutory Compliances Team Management/ Trainings
• Competent in spearheading Retail Branch Banking Operations entailing Account Opening & Servicing, Clearing & Clearing & CMS
(Cheque) Processing CRM,KYC Documentation, Risk & Compliance
• Skilled in driving process improvement strategies for ensuring maximum operational efficiency & minimising processing errors;
expertise in preparing MIS / Financial Reports for providing relevant & timely information
• Proficient in ensuring Statuary Compliances, Quality, Data Protection & Risk Control in accordance with Banking Policies and RBI,
FEMA & KYC Guidelines; resourceful in facilitating performance reviews and initiating corrective actions .
• Attained customer delight by achieving service quality norms & ensuring resolution of customer issues within TAT; drove business
devlopment for a range of banking / loans / 3rd
party / assets & liability products
• Effective Leader with proven talent in managing teams & enabling knowledge sharing amongst them; possess excellent team
building, relationship management, problem-solving & analytical skills
WORK EXPERIENCE
Since May’16: Kotak Mahindra Bank, Yamuna Nagar as Manager - Branch Operations Head
Oct’13 to May’16: HDFC Bank Limited as Assistant Manager (Retail Branch Banking)
Oct’10 to Sep’13: ICICI Bank Ltd., Regional Processing Centre Chandigarh as Processing Officer (Account Opening & Clearing)
Key Result Areas:
• Spearheading the Retail Branch Banking Operations and monitoring day to day activities of the Branch; ensuring that the branch
adhere to Know Your Customer (KYC) and Anti-Money Laundering (AML) norms at all times
• Facilitating Transactions of Bulk Nature (Cash & Non-Cash) RTGS, NEFT, Cash Management, ECS, Cheque Printing, DD Printing
• Administering all kind of Assets & Liability Products like Recurring Deposits, Fixed Deposits, Personal Loan, Home Loan, Systematic
Investment Plan, KCC ,Life Insurance, General Insurance, Current Accounts and Saving Accounts
• Managing various functions like ensuring zero operational errors; maintaining all registers & vault keys, administering GL
Accounts reconciliation, AOD checking & Keeping the exceptions within prescribed benchmarks
• Assisting in general banking functions entailing Term Deposits, Recurring Deposits, Demand Deposits, Current Accounts and Saving
Accounts like Inward / Outward Cheques Clearance, Issuance of Demand Drafts & Pay Orders
• Attending to customer queries & ensuring resolution of the same within TAT; working on FCRM (Finnacle Customer Relationship
Management) software; escalating any issues /complaints to the Business Head in a timely manner.
• Driving efforts for business development of Assets & Liability and other Retail Banking products through the team
• Supporting timely Branch Audits in coordination with Internal & External Auditors, attending to any Audit findings and resolving
them immediately; preparing MIS Reports as required by the management to keep a track of branch revenue/ performance
• Directing the Account Opening functions within TAT entailing:
o Conducting scrutiny of Account Opening Form & complete KYC check for Wealth, GPC, Privilege & Family Banking Accounts
o Facilitating manual activation of all the Account Opening Forms and maintaining Account Opening Tracker
o Processing all kinds of modifications related to customer account (account transfer, account closure, status conversion, name
addition and deletion in the account and address change)
• Monitoring the Clearing & CMS process including:
o Processing CMS - Local Cheques, Out Station Cheques, Transfer Cheques and Credit Card Cheques
o Processing OCC- Outstation cheques for clearing, tallying clearing with Clearing House
o Running cheques in NCR machine, batch balancing, amount keying & entering cheques in different software on a daily basis
o Conducting technical scrutiny of cheques and maintaining Excel sheets for the inward and outward of cheques
• Leading & monitoring the performance of team members to ensure efficiency in operations; organising on-the-job trainings for
team members for enhancing their productivity & skills
Highlights:
• Successfully managed all Privilege & Wealth Accounts of Haryana, Punjab and Chandigarh regions at HDFC Bank; enhanced client
satisfaction levels by meeting of service, quality & delivery norms
• Worked with Account Opening & Clearing Team at ICICI for Chandigarh, Punjab, Himachal & Haryana Region; contributed in
maintenance of all vouchers & records as required
• Consistently exhibited excellent work performance with zero errors and achieved superior results; gained strong knowledge of
ICICI Bank internal software such as Finnacle & FCRM.
• Formulated benchmarks for service quality levels for various operational processes at HDFC and played a key role in:
o Rolling-out of New Products, Processes & Systems that helped in improving service quality & minimising processing errors
o Maintaining Personnel Discipline (Timings, Attendance & Grooming Standard) in the office
o Executing Projects for Process improvement, Cycle-Time & Cost Reduction
• Acted as an effective back-up in the absence of peers as well as managed other process within the same team at HDFC ; ensured
that all processes laid down are adhered to in case of contingency
EDUCATION
Post-Graduate Diploma in Management (Finance) from Symbiosis University in 2015; secured 65 %
PGDBO - Banking & Operations from NIIT Chandigarh in 2010
B. Com. from Kurukshetra University in 2010; secured 64.80%
CERTIFICATION & TRAININGS
• JAIIB Certification
IT SKILLS
MS Office (Excel, PowerPoint & Word), Banking/ Financial Software - Finnacle, FCRM, internet Applications
PERSONAL DETAILS
Languages Known: English & Hindi
Address: #DR-28, Paper Mill Colony, Yamuna Nagar-135001, Haryana
Passport No: K5017551
~ Industry Preference: Banking / Financial Services / IT ~
~ Location Preference: Chandigarh / Yamuna Nagar / Delhi – NCR ~

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Rajat.cv

  • 1. RAJAT MALHOTRA E-Mail: Rajatmalhotra42@gmail.com / Contact: +91 -7206667766 MANAGEMENT PROFESSIONAL – BANKING OPERATIONS  Operations Audits, Risk & Compliance Management  ~ Notable success in achieving results in a highly competitive environment with key focus on quality & customer satisfaction while working with leading Banks; presently associated with Kotak Mahindra Bank as Manager - Branch Operations Head ~ PROFILE SUMMARY PGDM (Finance), PGDBO - Banking & Operations, B.Com. & JAIIB Certified offering nearly 6 years of rich experience in: Banking / Back-Office Operations Branch Administration Service Excellence/KYC & AML Norms Process Improvement/ Cost Savings Fraud Prevention/Risk Control Account Opening Client Relationship Management MIS Reports / Statutory Compliances Team Management/ Trainings • Competent in spearheading Retail Branch Banking Operations entailing Account Opening & Servicing, Clearing & Clearing & CMS (Cheque) Processing CRM,KYC Documentation, Risk & Compliance • Skilled in driving process improvement strategies for ensuring maximum operational efficiency & minimising processing errors; expertise in preparing MIS / Financial Reports for providing relevant & timely information • Proficient in ensuring Statuary Compliances, Quality, Data Protection & Risk Control in accordance with Banking Policies and RBI, FEMA & KYC Guidelines; resourceful in facilitating performance reviews and initiating corrective actions . • Attained customer delight by achieving service quality norms & ensuring resolution of customer issues within TAT; drove business devlopment for a range of banking / loans / 3rd party / assets & liability products • Effective Leader with proven talent in managing teams & enabling knowledge sharing amongst them; possess excellent team building, relationship management, problem-solving & analytical skills WORK EXPERIENCE Since May’16: Kotak Mahindra Bank, Yamuna Nagar as Manager - Branch Operations Head Oct’13 to May’16: HDFC Bank Limited as Assistant Manager (Retail Branch Banking) Oct’10 to Sep’13: ICICI Bank Ltd., Regional Processing Centre Chandigarh as Processing Officer (Account Opening & Clearing) Key Result Areas: • Spearheading the Retail Branch Banking Operations and monitoring day to day activities of the Branch; ensuring that the branch adhere to Know Your Customer (KYC) and Anti-Money Laundering (AML) norms at all times • Facilitating Transactions of Bulk Nature (Cash & Non-Cash) RTGS, NEFT, Cash Management, ECS, Cheque Printing, DD Printing • Administering all kind of Assets & Liability Products like Recurring Deposits, Fixed Deposits, Personal Loan, Home Loan, Systematic Investment Plan, KCC ,Life Insurance, General Insurance, Current Accounts and Saving Accounts • Managing various functions like ensuring zero operational errors; maintaining all registers & vault keys, administering GL Accounts reconciliation, AOD checking & Keeping the exceptions within prescribed benchmarks • Assisting in general banking functions entailing Term Deposits, Recurring Deposits, Demand Deposits, Current Accounts and Saving Accounts like Inward / Outward Cheques Clearance, Issuance of Demand Drafts & Pay Orders • Attending to customer queries & ensuring resolution of the same within TAT; working on FCRM (Finnacle Customer Relationship Management) software; escalating any issues /complaints to the Business Head in a timely manner. • Driving efforts for business development of Assets & Liability and other Retail Banking products through the team • Supporting timely Branch Audits in coordination with Internal & External Auditors, attending to any Audit findings and resolving them immediately; preparing MIS Reports as required by the management to keep a track of branch revenue/ performance • Directing the Account Opening functions within TAT entailing: o Conducting scrutiny of Account Opening Form & complete KYC check for Wealth, GPC, Privilege & Family Banking Accounts o Facilitating manual activation of all the Account Opening Forms and maintaining Account Opening Tracker o Processing all kinds of modifications related to customer account (account transfer, account closure, status conversion, name addition and deletion in the account and address change) • Monitoring the Clearing & CMS process including: o Processing CMS - Local Cheques, Out Station Cheques, Transfer Cheques and Credit Card Cheques o Processing OCC- Outstation cheques for clearing, tallying clearing with Clearing House
  • 2. o Running cheques in NCR machine, batch balancing, amount keying & entering cheques in different software on a daily basis o Conducting technical scrutiny of cheques and maintaining Excel sheets for the inward and outward of cheques • Leading & monitoring the performance of team members to ensure efficiency in operations; organising on-the-job trainings for team members for enhancing their productivity & skills Highlights: • Successfully managed all Privilege & Wealth Accounts of Haryana, Punjab and Chandigarh regions at HDFC Bank; enhanced client satisfaction levels by meeting of service, quality & delivery norms • Worked with Account Opening & Clearing Team at ICICI for Chandigarh, Punjab, Himachal & Haryana Region; contributed in maintenance of all vouchers & records as required • Consistently exhibited excellent work performance with zero errors and achieved superior results; gained strong knowledge of ICICI Bank internal software such as Finnacle & FCRM. • Formulated benchmarks for service quality levels for various operational processes at HDFC and played a key role in: o Rolling-out of New Products, Processes & Systems that helped in improving service quality & minimising processing errors o Maintaining Personnel Discipline (Timings, Attendance & Grooming Standard) in the office o Executing Projects for Process improvement, Cycle-Time & Cost Reduction • Acted as an effective back-up in the absence of peers as well as managed other process within the same team at HDFC ; ensured that all processes laid down are adhered to in case of contingency EDUCATION Post-Graduate Diploma in Management (Finance) from Symbiosis University in 2015; secured 65 % PGDBO - Banking & Operations from NIIT Chandigarh in 2010 B. Com. from Kurukshetra University in 2010; secured 64.80% CERTIFICATION & TRAININGS • JAIIB Certification IT SKILLS MS Office (Excel, PowerPoint & Word), Banking/ Financial Software - Finnacle, FCRM, internet Applications PERSONAL DETAILS Languages Known: English & Hindi Address: #DR-28, Paper Mill Colony, Yamuna Nagar-135001, Haryana Passport No: K5017551 ~ Industry Preference: Banking / Financial Services / IT ~ ~ Location Preference: Chandigarh / Yamuna Nagar / Delhi – NCR ~