Karthik S
Operations Analyst
Profile summary
Operations Analyst with 9+ years of experience in Retail Banking and Fintech (Invoice Discounting / TReDS platform). Expertise in KYC/CKYC, CDD, EDD, SDD, AML/CFT compliance, CERSAI registration, NACH mandate processing, and regulatory operations. Proven ability to streamline processes, strengthen compliance, and improve customer satisfaction. Experienced in supporting regulator onsite assessments, payment system operator compliance, and video KYC implementation.
Career highlights
Enhanced Compliance Process Efficiency: Coordinated with operations, product, and collections teams to enhance process efficiency in KYC/AML compliance and regulatory adherence.
Supported Video KYC Implementation: Played a key role in supporting the implementation of Video KYC, enabling seamless digital onboarding for customers.
Key skills
Professional experience
Performed end-to-end KYC, CKYC, CDD, EDD, and SDD checks for SME vendors and investors. Managed AML/CFT compliance including suspicious transaction monitoring. Processed and monitored NACH mandates for vendor repayments and investor payouts. Handled CERSAI registration and compliance for secured lending. Supported Video KYC implementation for seamless digital onboarding. Analyzed financial statements, bank statements, and shareholding patterns for due diligence. Created and listed invoice discounting deals on KredX platform with accurate vendor interest rates. Handled invoice payments, repayments, and deal reconciliation on the platform. Monitored credit risk scores and credit limit utilization for vendors. Participated in onsite assessment audits conducted by regulators to ensure compliance. Coordinated with operations, product, and collections teams to enhance process efficiency.
- Performed end-to-end KYC, CKYC, CDD, EDD, and SDD checks for SME vendors and investors.
- Managed AML/CFT compliance including suspicious transaction monitoring.
- Processed and monitored NACH mandates for vendor repayments and investor payouts.
- Handled CERSAI registration and compliance for secured lending.
- Supported Video KYC implementation for seamless digital onboarding.
Handled CDD, and AML compliance checks for new and existing customers. Managed branch operations including cash handling, fund transfers, NEFT/RTGS, GST payments, and NACH mandate setup. Supported regulatory inspections and onsite branch assessments ensuring compliance with RBI guidelines. Handled customer queries and escalations to ensure service excellence. Generated and audited branch reports, including death claim settlements.
- Handled CDD, and AML compliance checks for new and existing customers.
- Managed branch operations including cash handling, fund transfers, NEFT/RTGS, GST payments, and NACH mandate setup.
- Supported regulatory inspections and onsite branch assessments ensuring compliance with RBI guidelines.
- Handled customer queries and escalations to ensure service excellence.
- Generated and audited branch reports, including death claim settlements.
Processed customer transactions, NACH mandates, cheque returns, and fund transfers. Assisted customers with account services and queries. Conducted audit checks and branch compliance reporting.
- Processed customer transactions, NACH mandates, cheque returns, and fund transfers.
- Assisted customers with account services and queries.
- Conducted audit checks and branch compliance reporting.
Verified customers through CKYC and CDD before loan disbursement. Processed auto loan applications with NACH auto-debit setup. Supported AML/CFT compliance checks in loan operations. Tracked sales, supervised staff activities, and maintained customer database. Generated productivity and performance reports.
- Verified customers through CKYC and CDD before loan disbursement.
- Processed auto loan applications with NACH auto-debit setup.
- Supported AML/CFT compliance checks in loan operations.
- Tracked sales, supervised staff activities, and maintained customer database.
- Generated productivity and performance reports.