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Karthik Haramagatti

@karthikharamagatti

Experienced KYC and loan processing specialist focused on compliance and smooth digital onboarding.

India
Message

What I'm looking for

I seek a role leveraging my KYC/AML and loan-processing experience to improve digital onboarding, ensure compliance, and deliver excellent customer experiences within collaborative teams.

I am a detail-oriented finance professional with over two years of experience in loan processing, payment settlement, and mortgage operations at a leading finance services firm.

I specialize in KYC, AML and CDD checks, conducting thorough document verification and video KYC to meet regulatory and internal compliance standards. I have supported digital onboarding and app-based loan applications while collaborating closely with sales and credit teams.

I resolve customer queries and disputes through face-to-face, phone, and digital channels, prioritizing customer comfort and satisfaction while meeting branch-level performance targets for processing accuracy and turnaround time. I am proficient with MS Office, Power BI, CRM, SFDC, NPCI Portal, YRM, and Planet App, which I use to streamline operations and reporting. My approach combines critical thinking, cross-functional collaboration, and meticulous attention to regulatory documentation.

I am looking to apply my KYC, compliance, and digital onboarding expertise to roles that demand accuracy, regulatory rigor, and excellent customer experience.

Experience

Work history, roles, and key accomplishments

LS

Sr Branch Customer Experience Executive

L&T Finance Services

Performed customer due diligence (CDD), AML and KYC verification, loan processing, and digital onboarding with over 2 years of experience; achieved branch-level targets in processing accuracy and turnaround time while managing disbursements, payment settlements and dispute resolution.

Education

Degrees, certifications, and relevant coursework

BR

Bapuji Academy of Management & Research

Master of Business Administration, Finance

2021 - 2022

Completed Master of Business Administration in Finance at Bapuji Academy of Management & Research from 2021 to 2022.

JS

JSS Shri Manjunatheshwara Institute of UG & PG Studies

Bachelor of Business Administration, Finance

2017 - 2020

Completed Bachelor of Business Administration in Finance at JSS Shri Manjunatheshwara Institute of UG & PG Studies from 2017 to 2020.

SC

Sri Siddaganga PU College

Pre-University Certificate, Pre-University

2015 - 2017

Completed Pre-University studies at Sri Siddaganga PU College from 2015 to 2017.

Tech stack

Software and tools used professionally

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Karthik Haramagatti - Sr Branch Customer Experience Executive - L&T Finance Services | Himalayas