Bhavya Krishna Kumar
Ottawa,ON
Summary
Results-driven finance and banking professional with over 6 years of experience across banking operations, credit analysis, investment advisory, and administrative management. Proven expertise in account management, cash flow monitoring, risk assessment, and compliance with financial regulations. Adept at handling end-to-end payroll processes, employee benefits administration, and maintaining accurate operational records. Known for strong problem-solving abilities, exceptional client relationship management, and a consistent track record of improving operational efficiency. Currently pursuing ACCA certification—having completed the Knowledge Level and one paper at the Skill Level (Taxation)—to further strengthen technical proficiency and support data-driven financial decision-making.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Administration and Payroll Management
Beekay Management Consultants
Kerala, India
01.2022 - 10.2023
- Managed time effectively to ensure tasks were completed on schedule and deadlines were met.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Administered end-to-end payroll operations, ensuring precise calculations, statutory compliance, and timely salary disbursements.
- Coordinated with HR to streamline employee onboarding, benefits administration, and leave management systems.
- Maintained accurate payroll records, facilitated internal audits, and ensured full adherence to labor and tax regulations.
- Addressed employee queries on compensation, deductions, and taxation, improving transparency and trust.
- Assisted in the development of SOPs for payroll, reducing processing time by 20%, and improving data integrity.
- Conducted tax research and analysis on regulatory updates, ensuring timely implementation of relevant changes in filing procedures.
- Supported clients in minimizing tax liabilities through strategic planning, deductions optimization, and credits evaluation.
Assistant Manager
NRI AND RI WELFARE CO OPERATIVE SOCIETY
KERALA, INDIA
08.2020 - 12.2021
- Oversaw daily branch operations, ensuring smooth administrative workflows, and adherence to financial regulations and internal compliance protocols.
- Supervised and analyzed credit and loan portfolios, implementing data-driven strategies for risk mitigation, delinquency reduction, and performance tracking.
- Assisted with quarterly and annual tax provision calculations, including deferred taxes and reconciliation of tax accounts.
- Assisted in the management of member investment portfolios by advising on fixed-income products, recurring deposits, and cooperative investment schemes, aligned with risk profiles.
- Collaborated with finance teams to prepare investment proposals, analyze product performance, and present comparative insights for capital allocation strategies.
- Conducted due diligence on new financial instruments, evaluating risk-return dynamics, and preparing investment briefs for internal reviews.
- Played a key role in launching member-focused investment plans, and contributed to the product lifecycle from research and pricing to market rollout.
- Streamlined loan processing systems by partnering with operations and IT teams, reducing turnaround time by 25%, and improving documentation accuracy.
- Tracked customer satisfaction and branch performance metrics to inform quarterly reviews and business strategy adjustments.
- Participated in internal audit engagements, performing risk assessments, control testing, and compliance evaluations across operational areas.
- Assisted in drafting audit reports with key findings and recommendations, improving internal controls and process efficiency.
SENIOR ASSOCIATE
CITY UNION BANK
KERALA, INDIA
07.2018 - 08.2020
- Analyzed data and created reports for senior management.
- Conducted in-depth credit analysis by evaluating account behaviors, repayment capacity, and cash flow trends to assess financial risk and support informed lending decisions.
- Assisted in investment portfolio monitoring by analyzing fixed deposits, bonds, and treasury instruments held by high-net-worth clients, providing insights for reinvestment opportunities.
- Generated customized financial statements and performance summaries for senior management, supporting capital allocation, and funding strategy decisions.
- Managed teller operations, ensuring precise execution of daily cash transactions, including deposits, withdrawals, and inter-branch fund transfers, in line with internal audit standards.
- Delivered high-quality customer service at the front desk, resolving account discrepancies, addressing client queries, and promoting investment products, such as recurring deposits and mutual funds.
- Supported the financial advisory team by preparing risk profiles, conducting product comparisons, and evaluating returns on investment (ROI) for client presentations.
- Oversaw credit system optimization initiatives, implementing internal control improvements to reduce default rates, and ensure portfolio health.
- Collaborated with internal audit teams to review compliance practices, identifying discrepancies in customer data, and recommending process enhancements.
- Developed reports on loan performance, credit utilization, and customer segmentation to support strategic planning and compliance reviews.
- Collaborated with auditors during statutory and tax audits by providing required documents, reconciliations, and clarifications.
- Conducted walkthroughs and documentation of internal processes, identifying gaps in policy adherence, and financial reporting.
Education
Post Graduate Diploma - FINANCIAL Planning And Wealth Management
Lambton College
Ottawa, ON08-2025
Post Graduate Diploma - Banking And Finance
Times of India
Kerala, India05-2018
Bachelor of Commerce - Finance And Taxation
CMS Colllege
Kerala, India03-2016
Skills
- Financial and data analysis
- Payroll administration
- Risk assessment
- Customer service
- Investment management
- Microsoft Office proficiency
- Credit assessment
- Audit and compliance
- Direct deposit management
- Financial modelling
Accomplishments
- Recognized by Branch Leadership for contributing to a 20% improvement in customer retention through personalized financial advisory and client engagement strategies.
- Received “Process Improvement Champion” Award for optimizing loan documentation workflow and reducing loan processing time by 25%.
- Consistently achieved 95%+ accuracy in payroll and compliance audits during tenure at Beekay Management Consultants, ensuring timely tax filings and error-free salary disbursements.
- Selected as Lead Analyst on a cross-functional team to design and roll out tailored financial products aligned with member demographics and market trends.
Certification
- ACCA Certification – Completed Knowledge Level and one paper (Taxation) from the Skill Level; currently pursuing remaining papers
- NISM Mutual Fund Certification
- MS Office Proficiency
- Credit Analyst Training
- CSI Licencesed
Languages
English
Full Professional
Malayalam
Full Professional
References
References available upon request.
Timeline
Administration and Payroll Management
Beekay Management Consultants
01.2022 - 10.2023
Assistant Manager
NRI AND RI WELFARE CO OPERATIVE SOCIETY
08.2020 - 12.2021
SENIOR ASSOCIATE
CITY UNION BANK
07.2018 - 08.2020
Post Graduate Diploma - FINANCIAL Planning And Wealth Management
Lambton College
Post Graduate Diploma - Banking And Finance
Times of India
Bachelor of Commerce - Finance And Taxation
CMS Colllege
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