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Mosam Panchal

@mosampanchal

Banking product and operations professional at Axis Bank Ltd who worked on automated Finacle onboarding and KYC/AML workflows.

Germany

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What I'm looking for

I’m seeking a role in product, operations, or strategy where I can develop impactful digital products and optimize complex workflows. I’m also interested in banking roles focused on operations, risk and compliance, customer service, or trade finance.

At Axis Bank Ltd, I worked with software developers and designers on automated onboarding features for the Finacle/NRI product. I also used internal user research and operational drop-off metrics to develop user stories and maintain a process-improvement backlog.

At IDFC First Bank Ltd, I formulated system requirements to improve account-structuring interfaces for wealth-management portals. I worked with risk management and banking operations to turn compliance bottlenecks into digital solutions.

Across HDFC Bank Ltd, IndusInd Bank Ltd, and ICICI Bank Ltd, I worked on client onboarding, digital credit workflows, and customer-service issues. I’m now seeking a role in product, operations, or strategy where I can develop digital products and optimize complex workflows.

Experience

Work history, roles, and key accomplishments

Product & Operations Specialist

Axis Bank Ltd

Sep 2022 - Aug 2026 (3 years 11 months)

Collaborated with software developers and designers to launch automated onboarding features for core banking applications (Finacle/NRI product). Managed product backlog and translated cross-border KYC/AML regulations into user-friendly digital features.

Finacle Product Management Backlog Management User Research KYC AML Agile Cross Functional Collaboration

Operations & Account Governance

IDFC First Bank Ltd

Dec 2021 - Sep 2022 (9 months)

Formulated system requirement specifications based on internal operational audits to optimize account structuring interfaces for wealth management portals. Conducted deep-dive sessions with risk management and bank operations to transform compliance bottlenecks into automated digital solutions.

System Requirements Workflow Design Stakeholder Management Risk Management Compliance Digital Solutions

Operations & Client Onboarding

HDFC Bank Ltd

May 2018 - Nov 2021 (3 years 6 months)

Collaborated with compliance and digital operations teams to test and validate identity verification features on internal onboarding platforms. Conducted workflow mapping and user interviews to isolate operational bottlenecks in onboarding complex entities.

Client Onboarding Workflow Mapping User Interviews Compliance Digital Operations Process Optimization

Credit Card & Personal Loan Product

IndusInd Bank Ltd

Jan 2016 - May 2018 (2 years 4 months)

Provided data-driven customer feedback to regional product managers to refine digital application workflows and approval rules for unsecured loans and personal loan portfolios. Tracked drop-off rates across retail credit pipelines to identify feature gaps in digital application forms.

Product Management Data Analysis Digital Workflows Credit Products Cross Functional Collaboration Risk Mitigation

Customer Service & Complaint Resolution

ICICI Bank Ltd

May 2015 - Jan 2016 (8 months)

Categorized, analyzed, and synthesized customer complaint data to isolate root causes of friction within digital self-service banking platforms. Escalated critical platform bugs and security vulnerabilities to central software maintenance teams.

Customer Service Root Cause Analysis Complaint Resolution Digital Platforms Cross Functional Communication Metrics