--- CV ---
JYOTHIKA ANIL
+973 33981077 | [email protected] | Capital Governorate, Bahrain | LinkedIn Profile
SUMMARY
Computer Science Engineering graduate with 2 years and 9 months of professional experience at South Indian Bank across
banking operations, financial controls, reconciliation, KYC/AML compliance, loan operations, customer relationship
management and MIS reporting. Experienced in ledger balancing, cash reconciliation, documentation verification, operational
risk controls and customer account analysis. Skilled in TallyPrime, Microsoft Excel, SQL, Power BI and Python (Pandas), with
a strong interest in accounting, finance and data-driven reporting.
SKILLS
Banking & Finance: TallyPrime, Retail & Corporate Banking Operations, Loan Processing & Disbursement, CASA & Deposit
Portfolio Growth, Cash & Ledger Reconciliation, Customer Account & Transaction Analysis, MIS Reporting
Business & Customer: Customer Relationship Management (CRM), New Customer Onboarding, Portfolio Management,
Escalation Management, Product Cross-Selling
Risk & Compliance: KYC Onboarding, AML Monitoring, Financial Instrument Verification, Audit & Inspection Compliance,
Risk Mitigation, Documentation Accuracy
Analytics & Reporting: SQL, Python (Pandas), Power BI (DAX, Power Query), Microsoft Excel, Dashboard Development
EXPERIENCE
Scale 1 Officer | South Indian Bank Pvt Ltd
October 2023 – July 2026
• Managed daily banking operations with responsibility for process compliance, documentation accuracy and internal risk-
mitigation controls.
• Performed daily ledger balancing, cash reconciliation and vault auditing, maintaining financial accuracy and operational
control.
• Managed gold loan operations and asset-backed financing activities, strengthening customer relationships and contributing
to a 15% increase in the branch gold loan portfolio.
• Handled audit and inspection observations by reviewing identified gaps, coordinating corrective actions, and ensuring timely
rectification and compliance closure.
• Executed KYC onboarding and data verification procedures in line with regulatory and internal compliance requirements.
• Processed and verified high-volume financial instruments, documentation and operational records with a strong focus on
accuracy.
• Handled customer relationship management and escalation resolution while supporting branch service delivery and business
targets.
• Analyzed customer account statements and transaction patterns to identify financial needs, cash-flow trends and opportunities
for CASA acquisition, product cross-selling and revenue generation.
• Broadened existing client relationships by identifying cross-sell opportunities across deposit, loan and gold loan products,
increasing share of wallet and supporting branch sales and revenue targets.
• Assessed customer risk profiles as part of KYC/AML review and monitored account portfolios on an ongoing basis,
maintaining updated documentation to support compliance and periodic account reviews.
• Prepared and monitored MIS reporting, using operational metrics to identify at-risk account segments and support systematic
follow-up and retention activities.
• Used CRM platforms to track customer/stakeholder interactions, manage operational pipelines and organize account data.
• Strong interpersonal and customer service skills, with the ability to stay calm and professional under pressure.
Python Intern | Revertech IT Solutions Pvt Ltd
January 2021
• Gained hands-on experience in Python programming fundamentals, data structures, file handling, and problem-solving
through practical coding exercises.
PROJECTS
Sales & Profitability Analysis Dashboard
Python (Pandas) | MySQL | Power BI | DAX | Power Query | Excel · GitHub: aniljyothika24/superstore-sales-analysis
• Cleaned and transformed a retail sales dataset containing 4,578 records using Python (Pandas).
• Imported the cleaned dataset into MySQL and performed SQL analysis using joins, aggregations, and filtering to answer key
business questions.
• Developed an interactive Power BI dashboard using Power Query, DAX, KPI cards, slicers, and dynamic visualizations.
• Built business metrics including Total Sales, Total Profit, Profit Margin, Average Discount, and Total Orders.
• Performed exploratory data analysis to identify sales trends, profitability drivers, customer behavior, and regional
performance, enabling data-driven business insights.
Driver Drowsiness Detection System
Flutter | Firebase | Python | OpenCV | Machine Learning | Visual Studio Code
• Developed a cross-platform mobile application to detect driver drowsiness using computer vision and machine learning
techniques.
• Implemented real-time eye-state detection through the smartphone's front camera to continuously monitor driver alertness.
• Integrated Firebase for user authentication, real-time database management, and application data storage.
• Designed an automated emergency alert system that triggered an alarm and shared the driver's GPS location with emergency
contacts upon detecting driver drowsiness.
EDUCATION
Bachelor of Technology | Computer Science Engineering
APJ Abdul Kalam Technological University, Kerala — 2023
CGPA: 9.18/10 | Ranked in Top 10% of the department | Completed a minor in Data Analytics
CERTIFICATIONS & LICENSES
• TallyPrime Basics — Tally Education and Distribution Services Private Limited
• Microsoft Certified: Data Analyst Associate with Power BI — Udemy
• Foundations of Marketing Analytics — Coursera
• Stock Market — IEEE
• Certified Secure Computer User — EC Council
• IRDA Specified Person Examination (III)
