Rahul Hirulkar is a senior banking professional with over 11 years of experience in banking operations, branch administration, client relationship management, and business analysis. He is currently the Deputy Manager-Clearing Head at Kotak Mahindra Bank in Nagpur. Prior to this role, he held positions at Axis Bank and Yes Bank, where he oversaw clearing activities, account services, and maintained records. He has expertise in areas like cash and fund management, clearing processes, account opening, and compliance.

1. RAHUL HIRULKAR
Contact: 09766042244 ~ E-Mail: rhirulkar@rediffmail.com
SENIOR BANKING PROFESSIONAL
A result oriented & performance driven professional, in quest of assignments with a leading organization of high repute
Acquired in-depth knowledge and expertise on Finance/ Banking processes, Compliance, Client Relationship Management,
Process Enhancements, etc.
Outstanding banking management professional with extensive experience in developing high net worth client relati onships
and referral networks
-Delivered exceptional results through branch Business Development, Marketing & Portfolio Management
Business Analysis
PROFILE SUMMARY
MBA (Audit Management & Finance Management) with nearly 11 years of experience in Banking Operations,
Branch Administration, Teller & Clearing Operations, Back Office Operations and Client Relationship
Management. Presently associated with Kotak Mahindra Bank Ltd., Nagpur as Deputy Manager-Clearing Head. Well
versed with various concepts of business analysis. Capacities in carrying out business analysis process entailing
requirements gathering, client interactions, team, etc.
Skilled in performing all banking operations effectively & efficiently with key focus on bottom line profitabi lity in
coordination with various branches. Demonstrate excellence in overseeing banking operations related to Fund & Cash
Management, RTGS, NEFT, Call Money Lending, CTS Inward & Outward Clearing, ATM Reconciliation, etc. An
effective communicator with strong leadership, planning, problem solving and planning skills.
Enterprising leader who has effectively contributed in enhancing organisational processes through initiatives geared
towards lowering risk, heightening productivity & improving internal controls. In-depth understanding of all processes
and systems connected with banking industry; distinction of handling entire branch operations with sound knowledge of
banking system, banking services and products.
Leadership: Advises the management on banking (operational risk) strategies, promotes organization among
customers & drives mission through employees & supports motivation of employees
Decision Making: Formulates policies and provides recommendations to the management, decides or guides
courses of action in operations by staff / employees
Personal Credibility: Uses personal credibility to influence outcomes beyond own business & functional area
Leverages core strengths and connections to develop new business, establish long lasting
banking relationships and secure strategic alliances
KNOWLEDGE PURVIEW
 Well versed with:
o Designing business process and identifying limitation of capacity & bottlenecks and taking corrective actions
o Undertaking business analysis sessions for understanding client processes & requirements and mapping them as
per the required standards & norms
o Providing best solutions involving evaluation & definition of scope of project and finalization of tasks needs
WORK EXPERIENCE
Since Jan’12 with Kotak Mahindra Bank Limited, Nagpur as Deputy Manager-LCC Head / M2 (Clearing Head)
Role:
 Overseeing complete clearing activities involving MICR Inward & Outward Clearing, Lobby Transaction, Cash
Authorization, etc.
 Accountable for maintaining of I A/c of RBI
 Monitoring various functions like taking cheque from courier agency, preparing of trial balance, assessing system
security & control functions, etc.
 Looking after functions related to Saving, Current Account, Fixed Deposit, Cash, ATM, etc.
 Responsible for maintaining records of security items like Cheque Book, Demand Draft, Banker Cheque, etc.
 Assessing performance of team members
 Handling Cash, Accounts, Clearing, ATMs, etc. related matters

2.  Drafting various critical reports like EOD Cash, Instrument, TOD Statements, etc.
 Coordinating with RBI & Govt. Departments for compliance, approval, return, etc.
May’11-Jan’12 with Axis Bank Limited, Nagpur, Amravati as Deputy Manager
Role:
 Accountable for overseeing various functions entailing dispatch operations of ATM/ Debit Card, Cheque Book, etc.
 Handled the entire clearing activities such as MICR Inward & Outward Clearing
 Looked after the processing of outstation cheques
 Managed and maintained a/c of SBI Bank clearing NOSTRO a/c
 Involved in Reconciliation of ATM and Debit Card
 Assessed account opening form, KYC, etc.
Nov’07-May’11 with Yes Bank Limited, Nagpur as Branch Service Partner / Senior Officer (Branch Banking)
Role:
 Looked after complete banking activities like AOF Processing, Auditing, etc.
 Managed clearing activities like inward & outward clearing of high value and MICR cheque
Highlight:
 Successfully represented bank in front of Retail Banking & specific customers and performed Teller Services
PREVIOUS EXPERIENCE
Oct’04-Nov’07 with Standard Chartered Bank, Nagpur
Growth Path / Deputation:
Oct’04-Nov’05: Operations Officer
Nov’05-Dec’06: Operations Officer-IPC & Internal Services Department
Oct’04-Nov’07: Area Officer-Operations
Highlights:
 Attended Internal Processing Center (IPC) (Clearing) group activities and gathered exposure in banking functions
like Internal Services, Account Services (AS), Logistics, Safe Custody, etc.
 Looked after banking functions related to Clearing, Internal Services, Dispatch of ATM & Debit Cards, RBI
Reconciliations, System Security & Control, Verification of KYC, etc.
 Provided training to various colleagues on Use of VLOOKUP in Excel Sheet
 Played a key role in improving process of IPC referral to remove dependency on Mumbai staff (Nagpur staff wait
for 2-3 hours for required file)
 Successfully visited to Mumbai to learnt about procedures of file preparation and shared knowledge of the same to
Nagpur Team and reduced process time by 2 hours in 2005
 Recognized for enhancing Customer Satisfaction Index (CSI) by resolving client’s queries related to Cheque Book, ATM
Card, etc. as per the TAT
 Served as member of KYC Rectification (DEMAT) and PAN Update Project Team for Unit Depository Operations &
Services located in Mumbai in 2006
 Secured certificate of appreciation from Mr. Murli Natarajan-Regional Head, Consumer Banking, India & Nepal
for effective contribution towards KYC Project in 2006
EDUCATION
2011 MBA (Audit Management & Finance Management) from Apex Institute of Management, Nagpur with 68%
2003 B.Com. from University of Nagpur, Nagpur
Other Courses:
 GNIIT (Software Engineer course) from NIIT, Dharampeth, Nagpur Center with 83% in Apr’06
 Software Testing Course from Unisoft Technology, Dharampeth, Nagpur in 2006
IT SKILLS
 Well versed with:
o Windows 2K/NT/XP and MS Office like Word, Excel & PowerPoint
o MS Outlook and Internet Applications

3. PERSONAL DETAILS
Date of Birth: 23rd December, 1979
Nationality: Indian
Address: 82, Gokulwan Apartments, Near Nalco Society, Dronacharya Layout, Trimurti Nagar, Nagpur-
440022, Maharashtra
Languages Known: English, Hindi and Marathi
Visa Details: NA
Marital Status: Married
No. of Dependants: 4
Passport Details: G3792637
Driving License: MH31 20080091314