RAJAT M KULKARNI

Contact No.: +91 9886652903

~ E-Mail: rajatmba200305@gmail.com

Officer level assignments:

Commercial Operations/Supply Chain/Management Information System /
Placement Co-ordinator / Recruitment

ABRIDGEMENT

Areas of Excellence
Certified MIS Professional from NIIT

Accounts Receivables i.e., Business Acumen

responsible for full life cycle
of Commercial Operations  Commercial Operations Executive with 3.5 years of
from analysing the Purchase Experience.
Order till Collecting Payment
from customers.  Keen MIS Executive with 1.4 years of experience and
proven expertise in collecting sales and business related
Analysing Sales performance
and publishing it in the form information through various sources.
of MIS
 Analyzing business and publishing it to the teams in the
Recruitment form of MIS, so that they understand how they can meet
their commitments.
Team Leading
 Demonstrated success in sourcing business from existing
Placing students and
customers in reputed
acquiring new customers
Animation industries
 Leading team and ensuring business from them.
Sales and Marketing
 Recruiting Professionals for SAP Training with proven expertise.
 Co-ordinating with Animation companies and the students for placements.

CAREER CONTOUR

Dec’19 – Till Date Millionaires Group Stock Market Training

Accountabilities:

Operations Manager

 Looking after overall Operations of the office including Office Maintenance, Handling
Petty Cash etc.
 Recruiting Sales Managers & Tele-callers.
 Leading a team consisting of KYC, Tele-callers, Service In-charge, Technical Team,
Digital Marketing, Call-n-Trade, Back-office and getting the required work from them.
 Involved in Business Expansion Plans.
 Looking after Staff Welfare.
 Assisting Clients in Net banking Registrations.
 Handling Clients queries at 1st level escalations.
 Ensuring Service at all levels.
July’18 – Dec’19 Bajaj Allianz General Insurance Co Ltd

Accountabilities:

Territory Manager

 Recruiting Agents.
 Arranging training for Agents as and when required.
 Helping Agents in business.
 Handling multiple HDFC Bank Branches.
 Generating leads through Branch Resources.
 Conversion of leads.
 Direct Business.

May’17 – Nov’17 HDFC Bank

Accountabilities:

Personal Banker-Teller Authorizer

 Lobby Management.
 Resolution of customer queries/complaints.
 Managing vault limits & vault custodian.
 Supervising all Non-Cash transactions like DD/MC, fund transfer etc.
 Reconcile all Suspense accounts and maintain the register.
 Key register updation.
 Check daily stub copies.
 Branch batch opening/closure.
 Maintenance of Specimen Signature Cards.
 Review Branch reports like End of day (EOD) cash position report, Instruments issued
etc.
 Monitoring of dummy accounts, suspense accounts, deferred accounts, accounts
payable/ receivable, Reconciliation.
 Cross-Selling Banking Products.
 Acquiring New Customers and servicing their requirements.

Sales Accountabilities:

 Acquiring new Customers by understanding their Banking needs and requirements.

 Checking the customer profile (existing customers) and accordingly probing them on
additional SB A/c for their family or Investment products such as Mutual
Fund/SIP/Insurance/Personal Loans/Auto Loan/Two-Wheeler Loan/Credit Cards etc.
 Servicing the customers upto their satisfaction basis which they prefer to purchase
banking products of our Bank through me.
 Taking appointments from customers and meeting them, understand their
requirements, explain them on our products and features and thereby ensure sales
immediately or through regular follow-ups.
 Taking database of customers eligible for Asset Products such as Personal Loans, Auto
Loan etc., calling them for sales.
 Taking database of customers who have Credit Card of our Bank but don’t have account
with us. Calling them for opening SB A/c with HDFC Bank.
 Taking database of Customers who have Current A/c with us but don’t have their SB
A/c with us. Calling them to open SB A/c with HDFC Bank.

Oct’16 – Mar’17 Ragtagger Lifestyle Pvt. Ltd. (On Rolls of Sympro Consulting
Pvt. Ltd)

Accountabilities:

Commercial Finance.

 Analysing Purchase Orders in terms of Payment Terms, Documentation requirement and

other clauses like Warranty Terms etc.
 Working closely with internal teams for fulfilling documentation requirement and
ensuring Taxes are correctly charged in our Invoice.
 Ensuring receipt of payment from our suppliers on-time.
 Keeping track of VAT Forms and co-ordinating with our internal teams.
 Providing data to our consultant for filing of TDS.

Logistics.

 Working closely with courier vendors for tie-up as a newly start-up company.
 Working closely with Warehouse vendors for tie-up as a newly start-up company.
 Co-ordinate and track Shipments.
 Manage Warehouse.
 Analyze Supply Chain Systems.
 Oversee Security.

Supply Chain.

 Review or update supply chain practices in accordance with new or changing

environmental policies, standards, regulations or laws.
 Select transportation routes to maximise economy by combining shipments or
consolidating warehousing and distribution.
 Diagram supply chain models to help facilitate discussions with retailers.
 Develop material costs forecasts or standard cost lists.
 Assess appropriate material handling equipment needs and staffing levels to load,
unload, move or store materials.
 Negotiate prices and terms with suppliers, vendors or freight forwarders.
 Monitor supplier performance to assess ability to meet quality and delivery
requirements.
 Monitor forecasts and quotas to identify changes or to determine their effect on supply
chain activities.
May’13 – Oct’16 GE Intelligent Platforms Pvt. Ltd (On Rolls of TeamLease
Services Ltd)

Accountabilities:

Commercial Operations Executive.

 Analysing Purchase Orders in terms of Payment Terms, Documentation requirement and

other clauses like Warranty Terms, Liquidated Damages etc.
 Keeping track of Accounts receivables.
 Regular follow-ups with Customers for payments.
 Working closely with internal teams for fulfilling documentation requirement.
 Co-ordinating with Logistics team towards material planning and getting Dispatch
Clearances from customer.
 Preparing Letter of Credit (LC documents), submitting it to our HSBC Bank within
stipulated time and ensuring LC Acceptance from customer for payment on due dates.
 Keeping track of PDCs and uploading it in the system.
 Following up for VAT Forms and collecting it.

Learnings:
 Working Knowledge in SAP.
 Working Knowledge in Cloud Computing Software – Akritiv.
 Handling customer queries.

Feb’12-Feb’13 Kotak Mahindra Bank, Bangalore

Accountabilities:

Teller
 Working closely with the customers for Receipts, Payments, RTGS/NEFT and Fund
Transfers.
 Initial Payment (IP) Funding.
 Processing requests for Cheque Book, Stop Payments.
 Processing Charges for requests like Bank Statement.
 Co-ordinating with other branches or ICICI Currency Chest for Cash Offloading.
 Tallying Cash at EOD (End Of Day)
 Generating Reports.

Sales Accountabilities:

 Acquiring new Customers by understanding their Banking needs and requirements.

 Checking the customer profile (existing customers) and accordingly probing them on
additional SB A/c for their family or Investment products such as Mutual
Fund/SIP/Insurance/Personal Loans/Auto Loan/Two-Wheeler Loan/Credit Cards etc.
 Servicing the customers upto their satisfaction basis which they prefer to purchase
banking products of our Bank through me.
 Cross selling of products like CASA, Gold Coins, Fixed Deposits, Life Insurance etc. on
basis of the service that I give them on their requirements.
As Service Officer
 Attending to customer’s requests/complaints/queries on Banking Services.
 Providing resolutions to their complaints/queries.
 Ensuring their requests are processed by the concerned teams within the stipulated
time.

CAREER IN PAST

Sep’09-Feb’12 Dhanlaxmi Bank Ltd

Growth Path:

Sep’09 – Mar’10 CMRD (Credit Monitoring and Review Department) Officer

Mar’10 – July’11 MIS Executive for Karnataka Region
Aug’11 – Feb’12 Customer Service Officer at Kasturba Road branch

Accountabilities:

As CMRD Officer
 Following-up with branches in Karnataka and A.P for CMRD Data.
 Analyzing and checking the data.
 Compiling the data from all branches in the required format and submitting it to the
H.O.

As MIS Executive
 Co-ordinating with BM’s, BOM’s and BSM’s for various Sales and business related
information.
 Analyzing the data and publishing it in the form of MIS.
 Collecting data from BSM on Sales Executives attendance for processing of their salary.

As Customer Service Officer

 Working closely with the customers for Receipts, Payments, RTGS/NEFT and Fund
Transfers.
 Initial Payment (IP) Funding.
 Processing requests for Cheque Book, Stop Payments.
 Processing Charges for requests like Bank Statement.

Sales Accountabilities:

 Acquiring new Customers by understanding their Banking needs and requirements.

 Checking the customer profile (existing customers) and accordingly probing them on
additional SB A/c for their family or Investment products such as Mutual
Fund/SIP/Insurance/Personal Loans/Auto Loan/Two-Wheeler Loan/Credit Cards etc.
 Servicing the customers upto their satisfaction basis which they prefer to purchase
banking products of our Bank through me.
 Taking appointments from customers and meeting them, understand their
requirements, explain them on our products and features and thereby ensure sales
immediately or through regular follow-ups.
 Cross selling of products like CASA, Gold Coins, Fixed Deposits, Life Insurance etc. on
basis of the service that I give them on their requirements.
Mar 2006-Nov 2008 Qualitech Precision Industries

Accountabilities:

As Accounts Executive

 Meeting clients to discuss their production needs.

 Presenting ideas and costing to clients, negotiating with clients, solving queries and
making sure deadlines are met.
 Checking and reporting on the progress of the undertaken activity.

ACADEMIC CREDENTIALS
 MBA (HR & Marketing) from IBMR, Bangalore in 2005.
 Bcom. from Mumbai University in 2003.

CERTIFICATION
 Post Graduation Diploma in Banking Operations at NIIT, IFBI in Bangalore (20th
Apr’09 – 14th Sep’09).
 SAP-HR at SAPron Technologies in Bangalore (10th Mar’08 – 17th Apr’08).
 Diploma in MIS at NIIT in Bangalore (4th Jun’07 – 7th Mar’08).
 Practical HR course from CCIMS (Career Care Institute of Management), Bangalore in
Feb 2006.
 AMFI – Mutual Fund (Advisors) Module certified as on 22nd Aug’09.
 NCDO Certification as on 5th Aug’11.
 PG Program in Artificial Intelligence For Leaders from Great Learning in
association with The University of Texas at Austin & McCombs School of
Business (5th Jul’20 – Till Date)

TECHNICAL SKILLS

 Windows 2000 (HTML Tags)

 Presentation Skills – MS Powerpoint
 Tally 7.2
 C# (C Sharp)

ACCOLADES
 Participated in Management Fests like Aniketana Management and Tarkash
Management Fest conducted by Kuvempu University and ICFAI University
respectively.

 Participated in Work Shop on Voice Culture program conducted by IBMR on 18th June
2004 hosted by Mr. Anand Vaidyanathan.
 PROJECT DETAILS

 Ideating Various Steps involved in conceptualizing an AI Product.

Course Supervised Learning

The project involves coming up with an AI project and building its POC which includes
the problem statement, proposed solution, validation metrics, market analysis, and
timelines for implementing the project.

Skills and Tools

Applications of Artificial Intelligence, POC, Market analysis, AI solution

 Identifying potential customers to target for a marketing campaign

Course Understanding AI through data

The project involves using visualization techniques to derive valuable insights about the
data to help build a targeted bank marketing campaign

Skills and Tools

EDA, Visualization, BFSI

 Ideating various steps involved in building AI team for implementing AI

products in an organization

Course Unsupervised Learning

The project involves designing a data science ecosystem and coming up with important
factors like organization type, a list of team members, etc for implementing AI
products.

Skills and Tools

Building AI teams, Data Science Ecosystem, Team members and skills.

 Build a classifier model which predicts if an employee is likely to be terminated

Course Neural Networks & Ensemble Techniques

The Project involves using Neural networks and Logistic Regression to build a model
that can predict if an employee is likely to be terminated.

Skills and Tools

Neural networks, Classification, HR

 Build a sentiment analysis model for a E-commerce product

Course Deep Learning - CV & NLP

The project involves scraping data from an online E-commerce website and analyzing it
to understand the sentiment of the customers regarding our product.

Skills and Tools

Web Scrapping, Sentiment Analysis, NLP, E-Commerce

PERSONAL DETAILS
Date of Birth: 26th July 1983
Language: English, Kannada, Hindi and Marathi
Address: #17/A, Chinmayi, 4th Cross, 2nd Main, Sector 2, Nobonagar,
Baneerghatta Main Road, Bangalore - 560076.
Family Self, Spouse, Son & Parents.

Signature

(Rajat M Kulkarni)