Nitin Kaul has over 11 years of experience in back office operations and client servicing for banks such as Yes Bank, Axis Bank, HDFC Bank, and ICICI Bank. He is currently an Assistant Vice President at Yes Bank where he manages a team of 35 people and is responsible for regulatory reporting, KYC verification, system migration projects, and ensuring compliance. Kaul holds an MBA and Bachelor of Commerce degree and is skilled in areas such as Java, SQL Server, C++, and Microsoft Office.

1. Nitin Kaul
Contact No: 9650274222 (M)
E-Mail ID: - nitin_del2002@yahoo.com
DOB: 6th
September’1981
Address: 3058B, Sector-23, Gurgaon
Competent Banking ProfessionalCompetent Banking Professional
CAREER OBJECTIVE
Challenging position in a reputed organization to utilize and enhance my skills while providing me an opportunity to
grow.
PROFILE & STRENGTH
• More than 11 years of Experience in Back Office Operations/Client Servicing.
• Sincere and dependable with capacity to concentrate.
• Demonstrated abilities in managing customer centric banking operations as well as ensuring customer
satisfaction by achieving delivery & service quality norms.
• Multilingual with proficiency in English, Hindi and Kashmiri.
• Highly organized in work habits, industrious and focused with abundant positive attitude.
• Self driven and motivated having strong abilities to deliver under tight work schedules.
• Resourceful in managing branch operations including back office & client servicing.
Core competencies include:
Regulatory Reporting’s KYC Verification Client On boarding
System Migration Trainings BCP Testing
PROFESSIONAL SUMMARY
Yes Bank Sep 2008 till Present
Assistant Vice President-Retail Liabilities
Reporting to Senior Vice President
Managing a team size of 35 people
Assistant Vice President
Roles & Responsibilities
• Responsible for various Regulatory Reporting’s namely PMJJBY, PMSBY, APY, NRDCSR, Sovereign Gold Bond
reporting, TDS Remittance to various Government bodies.
• Core team member of the project involved in migration of old system to new system. Responsible for UAT
testing of all the fast paths in the core banking system.
• Ensuring complete KYC and AML validations are as per latest Banks policy for all the documents submitted.
• Handling payment operations like RTGS & NEFT
• The role involves rectification of KYC & Account Opening Documents for existing client base to ensure
compliance with the RBI guidelines
• Responsible for adherence to RBI guidelines and various internal policy norms issued by the bank for various
processes.
• Responsible for conducting regular BCP testing so that work does not get hampered in exigencies.
• Responsible for checking & modifying Account Opening Checklist/Form as per the changing requirements from
RBI.
• Supervision of scrutiny of Account Opening documents of various A/C - Savings, Current, Term deposits, NRE,
NRO etc as per KYC guidelines.
• Responsible for various enhancements pertaining to system upgradation & managing various transitional
activities within locations.

2. • Handling process formulations for all the products which are newly launched by the bank.
• TDS return filing on monthly basis.
• Responsible for on boarding of employees and conducting their various tests to ensure that the person is well
versed with the organisation and processes.
• Responsible for conducting regular Audits for Retail Liabilities Unit.
• MIS preparation and publishing to all respective branches and senior management in regards to account
opening like queries /discrepancies raised and about there resolution.
• Responsible for creating processes which can result in superior customer service and providing timely
resolutions.
• Checking various report released for processing & accounts are opened as per TAT (Turn around Time).
Axis Bank Feb’08 – Sep’08
Deputy Manager – Retail Branch Operations
Roles & Responsibilities
Banking Operations
• Working as Clearing Incharge-Branch Banking, managing large customer base and rendering best of services.
• Handling banking functions such as marketing banks retail liabilities including demand deposits, savings accounts,
etc. supervision of Marketing Executives.
• Ensuring compliance of various statutory requirements as per audit guidelines, regulations laid down by various
acts governing banking operations.
• Responsible for day to day operations within the branch including teller entries authorization & checking.
• KYC, procedural & Audit compliance of the Branch.
• Checking Daily reports/Registers/ & monitoring of Transactions of High Value.
• Verification of De-mat entries & DP business.
Client Relationship Management
• Acting as a Relationship Manager for all the Trust Accounts.
• Maintaining healthy business relations with customers, enhancing customer satisfaction matrices by achieving
delivery & service quality norms.
• Mapping client’s requirements, negotiating with clients & providing related services.
• Developing relationships with key decision-makers in target organisations to enable business development.
• Evolving market segmentation & penetration strategies to achieve targets.
• Monitoring the canvassing of products & identification of potential clients.
• Focus is to maximize revenue generation through sale of CASA and Third Party Products like Insurance, Mutual
Funds etc through Sales Channel, customer acquisition, customer retention, cost efficiency through process.
Team Management
• Creating an environment that sustains & encourages high performance.
• Motivating teams in optimising their contribution levels.
HDFC Bank May’07 – Feb’08
Assistant Manager
Roles & Responsibilities
Documentation Verification
• Handling all functions related to verification of documents for all types of AOD.
• Resolving discrepancies in the verification process by guiding the concerned branch.
• Handling queries raised the corporate office related to the verification of documents.
• Maintaining MIS related to the number of document received and verified.
• Working as Team Leader & handling a team of 6 people (on rolls).
ICICI Bank Jul’05 - Apr’07
Officer

3. Roles & Responsibilities
• Experience in Dealing with banking products and dealing with customers.
• Exposure in handling & supervising day-to-day banking operations.
• Extraordinary presentation, negotiation & Leadership skills, with strong analytical abilities. Revenue generators
by cross-selling Gold, Mutual funds, General insurance, Life insurance, IPO’s.
• Verification of Account Opening Form (AOF) for acceptance and rejection citing reasons to respective branches.
• Dealing Customer Queries generating from Branches within TAT.
• Taking care of Front as well as Back office jobs
• MIS, Reports & ABH Handover to Administration
• Office Accounts Transactions
• Maintenance and balancing of stock of deliverables
• Enhancing relationship value.
• Ensuring Audit compliance and risk control at the respective branch.
• Handling cash ,DD/PO , General queries of may I help you desk and successfully implementing 30 by 30 concept
• Customer Dealing including asset desk related queries & NRI Desk related queries
• Handling deliverables and maintaining the stocks of ATM/Debit card pins, Internet user id’s and passwords and
combi(chequebooks +ATM/Debit cards)
• Doing cross selling of various products like insurance, gold coins, mutual funds etc. Major Contribution in
selling 2 KG Gold Coins in a single month of November’2005 & doing a life insurance of 4 lakhs.
• Handling Foreign remittances (Deal Matching System)
PROJECTS
FLEXCUBE MIGRATION
Jan 2016 to Oct 2016
Team Size: 10
Client: Oracle Financial Services Software
Role Description: Responsible for testing of all the fast paths of current version into new version. Also testing the
additional features which are provided into new version along with raising of some additional requirements which are
not available in new version.
Skills Used: Process Knowledge, Subject Matter Expertise, System knowledge, Testing, Test Cases, Test Scenarios,
Training, Liability Products, Income Tax..
Project Details: Core Member of the team responsible for migration from Old Version to New Version of Flexcube
Retail. Responsible for testing of system and liaisoning with IT team for smooth migration. Also responsible for
training of the new version to the staff in Operations Centre.
ACCOUNT OPENING MIGRATION
Jan 2013 to Jun 2013
Team Size: 4
Client: Sutherland Global Services
Role Description: Responsible for creating a workflow through which data entry of Account Opening can outsourced
to vendor which further can result in scaling. Closely worked with systems team and account opening data entry was
outsourced to external vendor.
Skills Used: System knowledge, Product Engineering, Subject Matter Expertise, Advanced Excel, Newgen
Project Details: Account opening activity was outsourced completely to Sutherland Global Services. Responsible for
creating platform through which Account opening activity was outsourced. Liaisoning with IT team of Vendor and Yes
bank to create a domain through which Account opening images can be transferred to Vendor and channel through
which file can be received after data entry is done. Also getting in place various checks and balances to ensure error
free routing at both channels.
ACHIEVEMNTS & RECOGNITIONS

4. • Won FD Champion Award for getting maximum number of FD’s in Feb’07 with ICICI Bank.
• Won Eagle Eye Award for catching up the fraud in ICICI Bank.
COMPUTER SKILLS
 JAVA  MS Office  SQL Server  C++
ACADEMIC & PROFESSIONAL DEVELOPMENT
MBA  CMD, Modinagar 2005
Bachelor of Commerce (Hons)  University of Delhi  2002
WCC  NIIT  2001
CS Foundation  ICSI  2000
Class XII  CBSE  1999
Class X  CBSE  1997
References to be made available on request