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Akshay Koshti, Deputy Manager – Credit Operation

Akshay Koshti

Deputy Manager – Credit Operation·Kotak Mahindra Bank Ltd,

الإمارات العربية المتحدة

ماجستير, Finance

الخبرة العملية

مجموع سنوات الخبرة: 10 سنوات, 4 أشهر

Deputy Manager – Credit Operation

أبريل 2024 - يوليو 2026

Kotak Mahindra Bank Ltd,

مومباي، الهند

أبريل 2024 - يوليو 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.
مجال الشركة:
البنوك
الدور الوظيفي:
غيرذلك

Assistant Manager – Credit Operation

مارس 2022 - يوليو 2026

IDFC First Bank Ltd,

مومباي، الهند

مارس 2022 - يوليو 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.
مجال الشركة:
البنوك
الدور الوظيفي:
المحاسبة والتدقيق

Banking Operation Intern

أبريل 2018 - يوليو 2026

Bank of Baroda,

مومباي، الهند

أبريل 2018 - يوليو 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.
مجال الشركة:
البنوك
الدور الوظيفي:
البنوك

Accounting Intern

أبريل 2016 - يوليو 2026

Hero Motocorp,

حيدر اباد، الهند

أبريل 2016 - يوليو 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.
مجال الشركة:
وكلاء السيارات
الدور الوظيفي:
المحاسبة والتدقيق

Deputy Manager

أبريل 2024 - يونيو 2026

Kotak Mahindra Bank Ltd

مومباي، الهند

أبريل 2024 - يونيو 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.
مجال الشركة:
البنوك
الدور الوظيفي:
المحاسبة والتدقيق

Assistant Manager

مارس 2022 - يونيو 2026

IDFC First Bank Ltd

مومباي، الهند

مارس 2022 - يونيو 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.
مجال الشركة:
البنوك
الدور الوظيفي:
المحاسبة والتدقيق

Intern

أبريل 2018 - يونيو 2026

Bank of Baroda

مومباي، الهند

أبريل 2018 - يونيو 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.
مجال الشركة:
البنوك
الدور الوظيفي:
المحاسبة والتدقيق

Intern

أبريل 2016 - يونيو 2026

Hero Motocorp

مومباي، الهند

أبريل 2016 - يونيو 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.
مجال الشركة:
وكلاء السيارات
الدور الوظيفي:
المحاسبة والتدقيق

Financial Accountant

يناير 2025 - يناير 2026

Cost Construction and Project Management GmbH

برلين، ألمانيا

يناير 2025 - يناير 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.
مجال الشركة:
البناء والتشييد

Financial Accountant

يناير 2025 - يناير 2026

(CPCM) GmbH

برلين، ألمانيا

يناير 2025 - يناير 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.
مجال الشركة:
تخطيط المشاريع والبناء

Relationship Manager

نوفمبر 2020 - ديسمبر 2021

ICICI Bank LTD

مومباي، الهند

نوفمبر 2020 - ديسمبر 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
مجال الشركة:
البنوك
الدور الوظيفي:
المحاسبة والتدقيق

Relationship Manager

نوفمبر 2020 - ديسمبر 2021

ICICI Bank Ltd,

مومباي، الهند

نوفمبر 2020 - ديسمبر 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.
مجال الشركة:
البنوك
الدور الوظيفي:
المحاسبة والتدقيق

Self Employed

يناير 2019 - نوفمبر 2020

Private Sales and Distribution

مومباي، الهند

يناير 2019 - نوفمبر 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.
مجال الشركة:
التوزيع والخدمات اللوجستية وسلسلة التوريد

Accounting and Logistics

يناير 2019 - يناير 2020

Self Employed,

نافي مومباي، الهند

يناير 2019 - يناير 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.
مجال الشركة:
خدمات الاستشارات التجارية

التعليم

University of Mumbai

أغسطس 2019

أغسطس 2019

ماجستير، Finance

الهند

University of Mumbai

سبتمبر 2017

سبتمبر 2017

بكالوريوس، Finance

الهند

Skills

ACCOUNTING

Intermediate

CASH MANAGEMENT

Intermediate

CREDIT MANAGEMENT

Intermediate

ENTERPRISE RESOURCE PLANNING

Intermediate

FINANCE

Intermediate

FINANCIAL ACCOUNTING

Intermediate

MASTER OF BUSINESS ADMINISTRATION MBA

Intermediate

MICROSOFT EXCEL

Intermediate

RISK ANALYSIS

Intermediate

TRANSACTION PROCESSING BUSINESS

Intermediate

BANKING SERVICES

Intermediate

CERTIFIED CREDIT PROFESSIONAL

Intermediate

FINANCIAL STATEMENTS

Intermediate

KNOW YOUR CUSTOMER

Intermediate

OPERATIONS

Intermediate

اللغات

الانجليزية

اللغة الأم

الالمانية

اللغة الأم

الهندية

مبتدئ

المراتي

مبتدئ

الكانادا

مبتدئ

التدريب و الشهادات

الشهادات
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

الهوايات والاهتمامات

Photography
Learning new topics,
Traveling,
Listening to Music,