---
title: "Shaikh Mohammed Junaid - Assistant Manager in Mumbai | Tal"
description: "Meet Shaikh Mohammed Junaid, Finance Professional | Due Diligence, AML/KYC & Credit Analysis | MBA (Finance) | based in Mumbai."
image: "https://tal.club/meet/shaikh-mohammed-junaid/share-image"
---

# Shaikh Mohammed Junaid on Tal

## Headline

Finance Professional \| Due Diligence, AML/KYC & Credit Analysis \| MBA \(Finance\) \|

## About

Accomplished Team Leader with extensive experience in Due diligence, Internal audit, Consulting, credit analysis, AML/KYC, RBI regulations, and government policies\. Proven track record in client servicing and resource management, having successfully led 18\+ processes\. Managed a team of 45\-50 employees, consistently achieving the highest targets over four years despite challenging conditions\. Recognized for excellence in leadership, punctuality, and process expertise, receiving multiple appreciations from both the organization and clients for delivering exceptional service\.

## Location

Mumbai

## Work experience

Assistant Manager at Avanse Financial Services Ltd\., Dec 2025 \- Present · 7 mos, Mumbai, Maharashtra, India, •Coordinated with the Treasury team and 13\+ banking partners to support end\-to\-end co\-lending audit processes, including audit query resolution, documentation management, and data sharing with auditors and stakeholders\. •Monitored buying pool deal cashflows and prepared payout tracking reports to ensure accurate financial reconciliation and timely reporting\. •Collaborated with Treasury teams and banking partners to facilitate smooth closure of co\-lending transactions of approx 2000 cr\. while maintaining strong stakeholder relationships\. •Supported Direct Assignment \(DA\) transactions by assisting in due diligence processes for buying pool deals and ensuring timely documentation compliance\.

Team Leader at AJVA FinTech Private Limited, Oct 2024 \- Dec 2025 · 1 yr 3 mos, Mumbai, Maharashtra, India, Managed a department of 40–45 team members across 8 concurrent projects, overseeing operations, monitoring daily task completion, and preparing dashboards on revenue vs\. loss for regular reporting to senior management\. •Executed and led 80\+ due diligence audits for Direct Assignment \(DA\) transactions under Priority Sector Lending \(PSL\) for various banks and NBFCs to validate documentation, compliance, and risk mitigation practices\. •Conducted internal and external audits for banks and NBFCs, ensuring alignment with RBI regulatory standards and identifying key operational inefficiencies\. •Prepared Credit Appraisal Memorandums \(CAMs\) to assess borrower creditworthiness, analyzing financial statements, repayment capacity, and credit policy compliance\. •Performed 60\+ corporate background verifications prior to forex card issuance, reviewing MCA data, director details, CIBIL/CRILC reports, Legal Entity Identifier \(LEI\) records, and credit ratings\. •Conducted internal audits for new customer onboarding, ensuring 100% compliance with KYC/AML protocols and RBI guidelines\. •Identified and evaluated government schemes for MSMEs, streamlining internal procedures to help clients access relevant subsidies and financial benefits\. •Led as Team Leader for a third\-party vendor, managing full end\-to\-end process workflows, ensuring 100% quality & accuracy, and SLA adherence\.

Project Leader at AJVA FinTech Private Limited, May 2024 \- Oct 2024 · 6 mos, Mumbai, Maharashtra, India, Axis Bank as a third party •Leading 7 processes Onboarding Non\-Individual \(ONI\), CIB \(Corporate Internet Banking\), Negative Screening, PHA Audit, Trace to Trackwizz, Warrant Cancelation & Downloading and Uploading as a TL for vendor third party at axis premises and with a knowledge of end to end journey\. 1\. PHA Audit = Performed PHA Audit checks, a mandatory post\-account opening verification process, to ensure all key points are accurately reflected in Finacle\. Identified and highlighted discrepancies missed during the maker and checker stages\. 2\. Onboarding Non\-Individual \(ONI\) = Proficiently manage and scrutinize account opening processes at a pan\-India level within the banking sector, meticulously aligning with AML/KYC protocols and adhering to RBI guidelines\. Thoroughly examine pertinent factors such as politically exposed persons \(PEP\), credit card/overdraft details \(CC/OD\), MOA\(Memorandum of Association\),AOA\(Articles of Association\), COI \(Certificate of Incorporation\), BO \(Beneficial Owner\), Partnership Deed , Company Agreements and CRILC data to ensure regulatory compliance and mitigate potential risks and Enhanced due diligence \(EDD\) is an extension of know your customer \(KYC\) and customer due diligence \(CDD\) that applies when high\-risk prospects and customers, who may be involved in money laundering, have been identified\. Additionally, proficiently navigate entity\-specific requirements, acquiring supplementary documentation as dictated by business classification, including IRDAlicenses, ICE certificates, PESO licenses, and dealership agreements\. Commitment to upholding regulatory standards while facilitating seamless account initiation procedures\. on customer requirements\. 4\. Negative Screening = Conducted background verification for corporate accounts prior to issuing forex cards, including reviewing MCA reports, director details, CIBIL & CRILC reports, LEI \(Legal Entity Identifier\) reports, and corporate ratings\.

Senior Executive at AJVA FinTech Private Limited, Mar 2024 \- May 2024 · 3 mos, On\-site, eMSME is brand of AJVA FinTech Private Limited\. We have a diversified workforce striving continuously to fill the gaps between your problems and provide the best solution\. Our dedicated team is constantly researching, demystifying the complex requirements and enabling deep understanding of the financial system, government schemes and related compliances\. Our experienced team is well equipped in reducing the turnaround time at affordable cost\. •The discovery of a government scheme to support MSMEs\. •To easily avail the benefits, summaries the government schemes and upload the data to the eMSME Saarthi product website\. •Market analysis related to eMSME\. •Making reels content to help eMSME\. •Maintaining backend data and testing in UAT\. •Help MSMEs to avail secure & unsecured loans through government schemes\. •As a part of operational risk department I conducted thorough operational risk assessments and developed risk mitigation strategies, resulting & reduction in identified risk exposures\.

Team Leader at N\.S\. Bhargava & Co\., Aug 2022 \- Mar 2024 · 1 yr 8 mos, On\-site, I have been working at N\.S\. Bhargava & Co\. from July 8, 2021, till Mar 2024\. I have been working various client like Axis Bank, Paytm Payment Bank & IDFC Bank and gain knowledge of KYC \(Know Your Customer\) / AML \(Anti\-Money Laundering\) and Banks Audit process\. I have been awarded an individual performer award and a certificate\. Proficient Team Leader with a proven track record of effectively managing diverse projects and teams to enhance client service delivery, while strategically positioning NSB as the foremost service provider\. \* Axis Bank \* •Leading 4 processes like Casa, Sole Proprietorship Onboarding, NRI Re\-KYC & Sole Proprietorship Re\-KYC as a TL for vendor third party at axis premises and with a knowledge of end to end journey\. 1\. Casa \(Current A/c Saving A/c\) = In this process, we audit Current and Savings Accounts \(CASA\) after account opening, checking key points reflected in Finacle\. 2\. Sole Proprietorship Onboarding = Proficiently manage and scrutinize account opening processes at a pan\-India level within the banking sector, meticulously aligning with AML/KYC protocols and adhering to RBI guidelines\. Thoroughly examine pertinent factors such as politically exposed persons \(PEP\), credit card/overdraft details \(CC/OD\), and CRILC data to ensure regulatory compliance and mitigate potential risks\. Additionally, proficiently navigate entity\-specific requirements, acquiring supplementary documentation as dictated by business classification, including IRDA licenses, ICE certificates, PESO licenses, and dealership agreements\. Commitment to upholding regulatory standards while facilitating seamless account initiation procedures\. 3\. NRI Re\-KYC = Assisted in the maker and scrutinizer process for re\-KYC forms of NRI customers ensuring accurate data Finacle\. 4\. Sole Proprietorship Re\-KYC = Reviewed and scrutinized all key points and documents for Re\-KYC procedures, ensuring compliance with AML/KYC guidelines based on the risk assessment of account activity\.

Junior Auditor at N\.S\. Bhargava & Co\., Jun 2021 \- Aug 2022 · 1 yr 3 mos, Mumbai, Maharashtra, India

## Education

Master of Business Administration \- MBA, Finance, General, Dr\. D\. Y\. Patil Vidyapeeth

Mcom, Accounting, Mumbai University Mumbai

[View the original profile](https://tal.club/meet/shaikh-mohammed-junaid)

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