Izhar Ahmad has over 8 years of experience in banking operations including commercial banking, retail banking, and consumer banking. He is currently the Operations Head at Bank of Bahrain & Kuwait B.S.C. Previously he has worked at ICICI Bank Ltd and Axis Bank Ltd in roles with increasing responsibility over branch operations, trade finance operations, administration, and financial control. He has expertise in various banking software systems including Finacle core banking and has experience in areas like risk management, auditing, customer service, and training.

1. Izhar Ahmad
1029/11, Zakir Nagar West, New Delhi – 110025
Mobile: +919716105850; Email: Izhar_itm@yahoo.co.in
Date of Birth 1st
Oct 1982
Banking Operations ~ Financial Analysis ~ Trade Servicing
8 Years of cross-functional experience in managing the entire gamut of banking functions
Profile
 Seasoned and dynamic professional with comprehensive experience in managing the entire gamut of
Banking Operations - Commercial / Corporate Banking, Retail Banking and Consumer Banking;
currently serving a leading Bank – Bank of Bahrain & Kuwait B.S.C. as Operations Head.
 Established credibility in creating win-win relationship with major Client and Customers coupled with
proven capability in managing customer centric banking operations while adhering to KYC guidelines
and ensuring customer satisfaction by achieving delivery and service quality norms
 Articulate communicator with excellent ability to coordinate with different people at one time
under difficult situations; adroit in bringing out the best in others while creating a healthy and friendly
work environment, thus enhancing operational efficiency and optimizing resource utilization.
 Enriched with logical reasoning, a keen intellect and strong desire to excel in professional career,
exceptional talent to coordinate between various departments within the organization and work
collaboratively in a team environment.
 Business savvy professional with solid knowledge of cross-selling of Retail Banking Products and third
party products like Mutual Funds, General Insurance and Life Insurance etc.
 Profit focused professional adept in interacting with Corporate / HNI Clients coupled with
demonstrated capabilities to capitalize on Market trends and position Company to maximize market
share.
 In-depth experience in Posting, Encoding, Preparing Memos for Cheque Returns, Validating inward
and outward Cheques, Lodging Clearing Cheques through CTS, etc.
Area of Expertise
 Branch Banking
- Risk, Audit & Compliance, Internal control, Process Re-engineering, Administration, System Maintenance /
Control, Customer Relationship and HR Management.
 System
- Finacle (Infosys) Core Banking Solution on various modules like Customer Creation, Transaction
Maintenance, Inward Clearing, Outward Clearing, Time Deposits, Account Opening, Cash management,
Inventory Management, FOREX module, Form 60 Submission to RBI Reporting, Reports Generation.
 Sub Systems
- Know Your Customer (KYC), Anti Money Laundering (AML), Sarbanes and Oxley (SOX) Attestations / Walk
Through, Electronic payments handling – RTGS, ECS, EFT and NEFT.
- Safe Deposit / Locker Module, Cheque Protection System (CPS) module for inward clearing, Outward/
inward clearing handling, remittance in form of Pay Order and Demand Draft processing, e-search module
for Inventory Management, Activity Tracking System for Daily, Weekly, Monthly work Scheduling, Finacle
CRM for CRM Solutions etc
 Process / Transaction Control
- Second level authorizer for transactions
- Controller of branch liquidity – maintenance of CRL (Cash Retention limit); controlled bank’s balance with
the RBI
 Training / Knowledge Transfer
- Policies of bank and banking sector, bank products & services, RBI etc
- Online training support for product related queries of various branches
 Quality / Compliance/Reporting
- Actively participated in making the branch, cluster and region SOX compliant along with quality initiatives
of the bank like: Six-Sigma, Five S, STP etc.

2. - Organised, verified and submitted compliance / MIS reports to the Corporate Office (Monthly, Quarterly,
Half-yearly and Yearly Returns)
- Prepared compliance report in form of half yearly Form 60 reporting to Income Tax department
- Reported on foreign exchange transactions to RBI on fortnightly basis; generated, verified, maintained and
submitted financial statements .
Professional Experience and Accomplishments
Bank of Bahrain & Kuwait B.S.C. Sep 2014 - till date
Bank of Bahrain & Kuwait B.S.C (BBK) was incorporated in Bahrain in March 1971 with the committed objective of
providing a range of efficient and personalized banking facilities. BBK's first overseas branch was established in
Kuwait in 1978. A few years later, branches were set up in Mumbai and Hyderabad."With the addition of two new
branches at Aluva and New Delhi, today, BBK is one of the largest commercial bank in Bahrain with 16 local
branches,5 full-fledged overseas branches and a Representative Office in Dubai."
 Customer Service Department
- Responsible for Branch Operations- Cash, Clearing, RTGS, NEFT, Forex, Outward & Inward Remittance etc.
- Responsible for Assets Operation – Opening Personal, Consumer & Home Loan and checking all
documentation.
- Responsible for Corporate Banking Operations – Opening of Medium & Short Term Loans, PCFC Account,
catering all services like providing monthly interest statement, follow up for interest servicing.
- ATM (Automated Teller Machine) daily reconciliation & Servicing.
- Handling Gulf Embassies & Gulf Corporates accounts and providing quality services.
- Coach, Train, providing guidance & support for staff o ensure full awareness of Bank products, Services and
RBI circulars.
 Trade Finance Operations
- Manage day to day Trade Operations- Issuance of Bank Guarantees, Letter of Credits, SBLC ( Stand by
Letter of Credits, Bill Discounting etc.
- Import & Export Payments – Direct, Advance, Collections & under LC.
- Timely reporting to necessary reports to DGFT(Directorate General of Foreign Trade and RBI (Reserve Bank
of India.
- Responsible for doing all transaction under FEMA (Foreign Exchange Management Act) Guidelines.
- Provide client services and respond to inquiries on a timely basis.
- Handling of SWIFT and SFMS Messages.
 Administration
- Maintaining Fixed Assets of the Branch and ensure for depreciating the value on a monthly basis.
- Half Yearly preparing Budget and expense report and send to the Head Office for review.
- Process payments of all Vendors Bills.
- Timely renew AMC (Annual Maintainance Contract) of all necessaries Assets.
 Financial & Control (Fincon)
- Praparing DSOC( Daily Statement of Condition) of New Delhi Branch.
- Preparing reconciliation of Nostro, RBI, Other Bank Accounts.
- Preparing Monthly Financial of New Delhi Branch.
- Preparing Audit & Complaince reports.
ICICI Bank Ltd. Nov 2012 - Aug 2014
ICICI Bank Ltd is India’s second largest bank has a network of 2,901 branches and 10021 ATMs in India and has a
presence in 19 countries, including India.
Operations Manager
 Branch Operations Head.
- Responsible for the Branch Operations including Clearing, Transfers, RTGS, NEFT, Forex Etc.

3. - Verification of transfers and cash cheques, Forex & Outward Remittances, CMS, Trade like Bank Guarantee,
Letter of Credits etc.
- Responding KYC & Bonafide Transactions, Checking BDR for expiry of agreements, Monitoring OD
documents for expiry.
- Checking Service Request and ensure resolve and replied before Turnaround time.
- Responsible for the overall direction, coordination, and evaluation of branch activities.
- Supervised and coach employees throughout the branch and maintain workforce stability, through creating
a supportive environment for staff.
- Investigated and resolved technical operating problems as appropriate.
- Conducted self-audits in operations. Though audit findings, made recommendations to strengthen internal
controls and safeguards for the purpose of ensuring general compliance with laws, regulations, managerial
policies, and generally accepted audit standards.
- Performed related operational, sales and administrative functions as directed by the Branch Manager.
- Taking care of the fixed asset maintenance and all the branch expenses.
- Opening of Over Draft Accounts for the customers provided at the branch level.
- Maintenance the Foreign Advice for all the Forex Transaction like inward & outward remittances, Foreign
DD making of all the corporate clients of the branch.
- Maintenance of the Debit Balance Accounts of the branch like sending reminders and ensuring the closure
post the approval from zonal and recovery.
- Handling 24*7 Electronic Branch with Cash Acceptor Machine, I Interact Kiosk, VC etc.
Axis Bank Ltd. May 2008 – Nov 2012
Axis Bank was incorporated in 1994, and, currently has a nationwide network of more than 729 Branches and 3171
ATM’s.
Deputy Manager - Banking Operations
 Branch Operations
- Responsible for the Branch Operations including Clearing, Transfers, RTGS, NEFT, Customer Dealing.
- Lodging Clearing Cheques through CTS (Cheques Truncation System), monitoring realization of OSC
Cheques.
- Transfers all cheques, uploading Salary, Forex & Outward Remittances, CMS, Lodging of bulk clearing;
taking care all Inwards & Outwards, Etc.
- Responding KYC & Bonafide Transactions, Checking BDR for expiry of agreements, Monitoring OD
documents for expiry.
- Checking stock & timely destruction of cheque book, welcome kits, debit cards, debit pins, Iconnect pins
etc.
- Maintaining all audit related registers, Monitoring of staff accounts and AIMS Irregularity, attending
customer complaints Monituring repotts i.e. GL, High Value Transaction, exception, intersol reports.
- Handling HNI’s Accounts & their Portfolio and servicing of the corporate clients of the branch.
- Cross Selling of Life Insurance, General Insurance, Saving Accounts & Mutual Funds etc.
- Taking care of the fixed asset maintenance and all the branch expenses.
- Opening of Over Draft Accounts for the customers provided at the branch level.
- Maintenance the Foreign Advice for all the Forex Transaction like inward & outward remittances, Foreign
DD making of all the corporate clients of the branch.
- Maintenance of the Debit Balance Accounts of the branch like sending reminders and ensuring the closure
post the approval from zonal and recovery.
- Handling the CCRS complaints of the customers like intercity cash withdrawal from any other ATM for
reversal, void transaction from the merchant etc.
 Team Management
- Handling and managing the Operations team and providing regular training/updates to the team members.
- Motivating the team to achieve TAT (turnaround time) and achieving Branch Cross-sell Target along with
the Operations Team
 MIS Reporting
- Extracting the data of Cash Remittance and sent to the Compliance Department, all Expense Reports of the
Branch and Cross-sell Reports (Weekly Wise) and sent to Zonal Office.
- Ensuring audit compliance strictly.

4. - Sending Fornightly & Monthly reports, Monthly reports for deceases cases & OD issued or renewed.
WNS Global Services Pvt. Ltd. May 2007 - Mar 2008
WNS is a leading global business process outsourcing company.
Underwriter (IndyMac Bank) ( US Mortgage)
 Reviewed and analysed credit reports, loan applications, income documentation, employment records,
and court documents to determine borrower's ability to meet requirement of loan.
 Checked the bank statements to verify any large deposits or any previous liability.
 Analysed property appraisals to determine value of the company's collateral completes administrative
appraisal checklist.
 Verified the credit report to ensure any previous loan detail.
 Reviewed mortgage note, title and public records.
 Completed all underwriting worksheet and calculations and achieved 100% TAT.
 Actively involved in quality check and audit process.
IndusInd Bank Ltd Apr 2004 - Jun 2005
Junior Manager (Operations)
 Handled clearing, transfers, Issuing DDs & Payorders.
 Maintained all registers like Debit Pin, ATMs, Cheque Books Etc.
 Involved in cross-selling of Mutual Fund, Life Insurance, and General Insurance.
Academic and Professional Credentials
PGDBA (MBA - Finance) 2007
Institute for Technology & Management, Hyderabad (Approved by AICTE)
B.A (Hons.) Political Science
2004
Jamia Millia Islamia, New Delhi
Intermediate 2001
South Delhi Public School, New Delhi
Matriculation 1999
Saint Giri School, New Delhi
Professional Certifications
 NSE Certified in AMFI (Advanced) Module.
 NSE Certified in Capital Markets Module.
 ITM Institute of Financial Markets, Mumbai Certified Course in Capital Markets.
 Management Development Programme on Commodity Derivatives by MCX & Karvy Comtrade.
 Certificate for Core Competence in Computing from NIIT, New Delhi.
 SAP (FICO)
Summer Project
 Market Survey in Mutual Funds: The project seeks to get in depth and holistic approach towards the
Investment Avenues practiced by people so as to differentiate the investment pattern of different

5. strata of the society thus giving a definitive insight about the shift in the investment – matrix of the
people considering the parameters on the basis of which people go in for investments.
Organization: IndusInd Bank
Deliverables: A comprehensive project has been submitted to IndusInd Bank, New Delhi.
Tools Used: Questionnaire, Microsoft Excel & Access
Duration: 2 months (summer project)
References & Supporting Documents Available upon Request

6. strata of the society thus giving a definitive insight about the shift in the investment – matrix of the
people considering the parameters on the basis of which people go in for investments.
Organization: IndusInd Bank
Deliverables: A comprehensive project has been submitted to IndusInd Bank, New Delhi.
Tools Used: Questionnaire, Microsoft Excel & Access
Duration: 2 months (summer project)
References & Supporting Documents Available upon Request