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Akshay Koshti, Deputy Manager – Credit Operation

Akshay Koshti

Deputy Manager – Credit Operation·Kotak Mahindra Bank Ltd,

United Arab Emirates

Master's degree, Finance

Work experience

Total years of experience: 10 years, 4 months

Deputy Manager – Credit Operation

April 2024 - July 2026

Kotak Mahindra Bank Ltd,

Mumbai, India

April 2024 - July 2026

• Performed KYC/AML and documents check as per banks policy and regulatory standards.
• Managed payment transactions, PO, invoice and vendor payments using Finacle Software.
• Managed loan booking and payment up to ₹6 Billion with Zero quality control deviations.
• Maintained banks cash account in terms of cash, transactions, payments and recovery.
• Conducted periodic audits to identify and mitigate risk in loan booking.
• Verified and authorized various types of loans, real estate mortgage loans, term loans,
working capital loan, foreign currency trade booking and agricultural loans.
• Managed a credit operations team with providing training and mentoring to new joiners.
• Maintained MIS reports and tracked quality checks with 100% accuracy.
Company industry:
Banking
Job role:
Other

Assistant Manager – Credit Operation

March 2022 - July 2026

IDFC First Bank Ltd,

Mumbai, India

March 2022 - July 2026

• Handled Mortgage Loans processing and payment transactions within set timelines (TAT).
• Performed KYC/AML and documents check as per banks policy and regulatory standards.
• Managed Bank vault including storage, tracking and verification of mortgage documents.
• Ensured customer eligibility and financial checks met internal policies.
• Released payments and managed registers, MIS and accounting reconciliation.
• Led a special project to reduce authorization errors in standing instructions.
• Recruited, trained and lead Credit process appraisal CPA team members.
Company industry:
Banking
Job role:
Accounting and Auditing

Banking Operation Intern

April 2018 - July 2026

Bank of Baroda,

Mumbai, India

April 2018 - July 2026

• Completed an intensive internship and project focused on learning banking processes and
systems.
• Gained practical insights into the operations and procedures within a banking
environment.
• Supporting internal audit team in documentation handling.
Company industry:
Banking
Job role:
Banking

Accounting Intern

April 2016 - July 2026

Hero Motocorp,

Hyderabad, India

April 2016 - July 2026

• Gained experience with real-world projects at Hero MotoCorp, a global leader in the
automotive industry.
• Explored various departments and functions to broaden industry knowledge.
• Assisted in cash handling, invoice processing, inventory accounting and spare parts sales
reconciliation.
• Supported preparation of Balance Sheet, Profit & Loss and Cash Flow reports.
Company industry:
Automotive Dealership & Distributor
Job role:
Accounting and Auditing

Deputy Manager

April 2024 - June 2026

Kotak Mahindra Bank Ltd

Mumbai, India

April 2024 - June 2026

• Performed KYC/AML and documents check as per banks policy and regulatory standards.
• Managed payment transactions, purchase order, invoice and vendor payments using Finacle Software.
• Managed loan booking and payment transactions up to ₹600 crore (approx. €66 million) with zero quality control
deviations.
• Maintained banks cash pool account in terms of cash, transactions, payments and recovery.
• Conducted periodic audits to identify and mitigate risk in loan booking.
• Verified and authorized various types of loans such as real estate mortgage loans, term loans, working capital loan,
foreign currency trade booking and agricultural loans.
• Managed a credit operations team of five, providing training and mentoring to new joiners.
• Maintained MIS reports and tracked quality checks with 100% accuracy.
Company industry:
Banking
Job role:
Accounting and Auditing

Assistant Manager

March 2022 - June 2026

IDFC First Bank Ltd

Mumbai, India

March 2022 - June 2026

• Handled Mortgage Loans processing and payment transactions within set timelines (TAT).
• Performed KYC/AML and documents check as per banks policy and regulatory standards.
• Managed vault operations including secure storage, tracking and verification of customer mortgage documents.
• Ensured customer eligibility and financial checks met internal policies.
• Released payments and managed registers, MIS and accounting reconciliation.
• Led a special project to reduce authorization errors in standing instructions at the Zonal level.
• Recruited, trained and lead Credit process appraisal CPA team members.
Company industry:
Banking
Job role:
Accounting and Auditing

Intern

April 2018 - June 2026

Bank of Baroda

Mumbai, India

April 2018 - June 2026

• Completed an intensive internship and project focused on learning banking processes and systems.
• Gained practical insights into the operations and procedures within a banking environment.
• Supporting internal audit team in documentation handling.
Company industry:
Banking
Job role:
Accounting and Auditing

Intern

April 2016 - June 2026

Hero Motocorp

Mumbai, India

April 2016 - June 2026

• Gained experience with real-world projects at Hero MotoCorp, a global leader in the automotive industry.
• Explored various departments and functions to broaden industry knowledge and career interest.
• Worked as Cashier in spare part sales department.
Company industry:
Automotive Dealership & Distributor
Job role:
Accounting and Auditing

Financial Accountant

January 2025 - January 2026

Cost Construction and Project Management GmbH

Berlin, Germany

January 2025 - January 2026

• Categorized and processed all financial transactions in Lexware, including invoices, expenses, revenue, and accounts
payable, in compliance with HGB accounting standards.
• Value added tax, sales tax, income tax, corporate tax filling using ELSTER platform.
• Assisted with SEPA registration for fixed expenses and supported processing of payment transactions.
• Generated financial reports Balance Sheets, P&L statement and GL Accounting in Lexware software.
• Managed company transparency registration and financial transparency reporting.
• Supported accounting and administrative tasks, including file and documentation management.
Company industry:
Construction & Building

Financial Accountant

January 2025 - January 2026

(CPCM) GmbH

Berlin, Germany

January 2025 - January 2026

• Generated Accounting entry for all financial transactions in Lexware Accounting Software.
• including invoices, expenses, revenue and accounts payable in compliance with HGB
accounting standards.
• Performed VAT and tax filing activities in Germany using the ELSTER platform.
• Value added tax, sales tax, income tax, corporate tax filing using the ELSTER platform.
• Assisted with SEPA (German Standing Instruction) registration for fixed expenses and
supported processing of payment transactions.
• Generated financial reports Cash Flow, Balance Sheets, P&L statement and General Ledger.
• Managed company Board of Directors registration and financial transparency reporting.
• Supported in administrative tasks, file management and documentation management.
Company industry:
Project & Construction Planning

Relationship Manager

November 2020 - December 2021

ICICI Bank LTD

Mumbai, India

November 2020 - December 2021

• Managed and advised HNI and salaried bank clients on investments and financial planning.
• Logged and tracked loan files using Finacle and CRM systems.
• Offered personal loans, mortgage loans, business loans and overdrafts to eligible customers.
• Cross-sold banking products: insurance, FDs, RDs, mutual funds, ULIP and other investment plans, loans etc.
• Ensured proper documentation during loan disbursements
Company industry:
Banking
Job role:
Accounting and Auditing

Relationship Manager

November 2020 - December 2021

ICICI Bank Ltd,

Mumbai, India

November 2020 - December 2021

• Advised HNI and salaried bank clients on investments and financial planning.
• Logged in and tracked loan files using Finacle and CRM systems.
• Sold personal loans, mortgage loans, business loans and overdrafts to customers.
• Cross-sold banking products: insurance, FDs, RDs, mutual funds, ULIP and other investment
plans, loans etc.
• Maintained high standards of customer service, contributing to client retention and
business growth through proactive relationship management.
• Ensured accurate documentation, compliance verification and loan disbursement processes
in line with regulatory and bank guidelines.
Company industry:
Banking
Job role:
Accounting and Auditing

Self Employed

January 2019 - November 2020

Private Sales and Distribution

Mumbai, India

January 2019 - November 2020

• Managed operations for the private distribution of FMCG products across retail and wholesale networks.
• Operated ERP 9 software for accounting, billing, stock updates and GST invoicing.
• Handled logistics and transportation, ensuring timely and cost-effective deliveries.
• Analysed sales trends, returns and customer behaviour to adjust stock levels and pricing.
Company industry:
Distribution, Supply Chain & Logistics

Accounting and Logistics

January 2019 - January 2020

Self Employed,

Navi Mumbai, India

January 2019 - January 2020

• Managed operations for the private distribution of FMCG products across retail and
wholesale networks.
• Operated TALLY ERP 9 software for accounting, billing, stock updates and GST invoicing.
• Handled logistics and transportation, ensuring timely and cost-effective deliveries.
• Managed accounts payable and accounts receivable activities.
• Analysed sales trends, returns and customer behaviour to adjust stock levels and pricing.
• Maintained 100% accuracy in MIS reporting and compliance reviews.
Company industry:
Business Consultancy Services

Education

University of Mumbai

August 2019

August 2019

Master's degree, Finance

India

University of Mumbai

September 2017

September 2017

Bachelor's degree, Finance

India

Skills

ACCOUNTING
Intermediate
ACCOUNTING
Intermediate
CASH MANAGEMENT
Intermediate
CASH MANAGEMENT
Intermediate
CREDIT MANAGEMENT
Intermediate
CREDIT MANAGEMENT
Intermediate
ENTERPRISE RESOURCE PLANNING
Intermediate
ENTERPRISE RESOURCE PLANNING
Intermediate
FINANCE
Intermediate
FINANCE
Intermediate
FINANCIAL ACCOUNTING
Intermediate
FINANCIAL ACCOUNTING
Intermediate
MASTER OF BUSINESS ADMINISTRATION MBA
Intermediate
MASTER OF BUSINESS ADMINISTRATION MBA
Intermediate
MICROSOFT EXCEL
Intermediate
MICROSOFT EXCEL
Intermediate
RISK ANALYSIS
Intermediate
RISK ANALYSIS
Intermediate
TRANSACTION PROCESSING BUSINESS
Intermediate
TRANSACTION PROCESSING BUSINESS
Intermediate
BANKING SERVICES
Intermediate
BANKING SERVICES
Intermediate
CERTIFIED CREDIT PROFESSIONAL
Intermediate
CERTIFIED CREDIT PROFESSIONAL
Intermediate
FINANCIAL STATEMENTS
Intermediate
FINANCIAL STATEMENTS
Intermediate
KNOW YOUR CUSTOMER
Intermediate
KNOW YOUR CUSTOMER
Intermediate
OPERATIONS
Intermediate
OPERATIONS
Intermediate

Languages

English

Native Speaker

German

Native Speaker

Hindi

Beginner

Marathi

Beginner

Kannada

Beginner

Training and Certifications

Certifications
NISM Series V A: Mutual Fund Distributor Certificate
SQL Essentials
Financial Accounting
SAP ERP Essential Training
NISM Series V A: Mutual Fund Distributor Certificate
SQL Essentials
Financial Accounting
SAP ERP Essential Training

Hobbies and interests

Photography
Learning new topics,
Traveling,
Listening to Music,