Nov 2022 – Oct 2023 · 11 mos

• Currently manage Corporate Salary Business for North and East. Work on partnerships with Business Units such as CIB/Commercial Banking/SME/TBG/BAAS/Neo Banking/FIGU/Large vendors and Retail Branch and Business Banking Teams in North and East Geography for Cross sell.

Sep 2021 – Oct 2022 · 1 yr 1 mo

• Cluster Head - Branch and Business Banking for Delhi.
• Worked extensively in Delhi NCR and have started 25 plus Branches in Delhi.

Dec 2013 – Sep 2021 · 7 yrs 9 mos

• Managed Delhi and Noida Cluster for RBL Bank as a Cluster Head . Launched 25 branches in Delhi, Noida and Ghaziabad.
• Expertise in Cross Border Transactions, Trade and Forex, Business Lending.

Sep 2010 – Dec 2013 · 3 yrs 3 mos · New Delhi Area, India

• Expertise in Business Banking, Trade and Forex, CASA, Business Lending in Foreign Currency, Pre-Shipment, Post Shipment Credit and SME Banking.

Dec 2007 – Aug 2010 · 2 yrs 8 mos

• RSM-Retail Liabilities Distribution
• Responsible for acquisition of Retail CASA, Corporate Salary Accounts, Premier, Prestige Accounts and X-Sell of third party products like LI and GI etc and also head the Service Team.
• Key Responsibilities:
• Grow CASA Balance sheet in North and deliver plan value and volume targets with a team of two Cluster heads, 26 managers and 250 FOS
• Launch of Business Loans, Retail CASA, Corporate Salary Account, Mobile Banking product for Barclays in North
• Revenue generation through Cross Sell of life insurance, general insurance, mutual funds, foreign exchange and other banking products like fixed deposits, personal/home/business loan, Credit cards
• Increase distribution and brand visibility through ATM installation at corporate relationships and launch Hello Money
• Acquire Prestige and Premier customers, organize investment seminars/ events for these customers
• Ensure compliance with Statutory Audit and Regulatory requirement
• Design incentive structure for the unit, train the team on product, soft skill, investments and on the job
• Sucessfully started a 100 seater Telecalling unit and a 100 seater DST Model for Sourcing of retail CASA.
• Achievements
• Designed & launched CASA, Mobile Banking ,Barclays Salary Account proposition in North
• Build a book of app 40000 Retail Saving Accounts and app 12000 Corporate Salary Accounts
• Conducted feasibility study for ATM installation in North at Airport, Malls and NBFC branches

Feb 2007 – Nov 2007 · 9 mos

• I worked as a Center Manager for Small Business Loans in Delhi and was responsible for Product Launch in Delhi. We used to provide unsecured Business Loans for a ticket size of Rs 5 Lacs to Rs 35 Lacs to SME Customers.
• Key Responsibilities:
• Hiring , Budget Planning , Area Plan , setting up fresh channels ,competitor tracking and suggesting proactive approach to gain market share
• Motivate the sales force and ensure that attrition is under control
• Ensure zero Miss selling, drive awareness and training of KYC / AML.
• Daily reporting, monitoring and control of sales force.
• Target setting, devising and executing action plan to achieve the same.
• Business Acquisition , Achieving the budgeted product volumes ,Acquiring new Channels and Closely monitoring the cost of acquisition from each channel
• Monitoring productivity of the Team members and providing positive energies
• Achievements
• Launched Business Installment Loans successfully, empanelled channels
• Hired and Trained a 30 member Team
• Built a portfolio of Rs 100 Crs in less than six months
• Kept delinquency under control
• Achieved a COA of sub 2%.

Sep 2006 – Jan 2007 · 4 mos

Feb 2005 – Aug 2006 · 1 yr 6 mos

• I worked as an Area Sales Manager handling a Team of 15 Assistant Managers. We provided Unsecured Business Instalment Loan to SME Segment ranging from an exposure of Rs 5 Lacs till Rs 30 Lacs
• Key Responsibilities:
• Area Plan , competitor tracking and suggesting proactive approach to gain market share
• Business Acquisition , Achieving the budgeted product volumes ,Acquiring new Channels and Closely monitoring the cost of acquisition from each channel
• Monitoring productivity of the Team members and providing positive energies
• Implementing the Fraud Control System
• Implementing sales processes and regulatory requirements. Training of the DSRs on KYC, Misselling, Anti Money Laundering and Product
• Team Management , Hiring and Controlling Attrition of the frontline sales force
• Ensure that the entire unit is ready for any Audit at any point of time

Apr 2001 – Feb 2005 · 3 yrs 10 mos

• CFIL is into Asset Base Finance & Channel Finance. I worked as a Territory Manager - Sales based in Delhi. I used to handle Delhi NCR for ABF Business.
• Key Responsibilities:
• Projecting and delivering the assigned business targets spread across strategic and retail customers for NCR
• Handling X-Sell, offering facilities for new Commercial Vehicle loans, Bank Guarantees, C C, Working Capital to the transportation customers.
• Appointing, Training & developing the DMA's & Franchisee.
• Looking out for new avenues of business in the respective area and planning and execution of various schemes.
• Maintaining & developing relationship with the Dealers of Telco, Eicher, Swaraj Mazda, Mahindra & Mahindra and Ashok Leyland.
• Monitoring the portfolio quality by working closely with collection people.

Oct 1999 – Apr 2001 · 1 yr 6 mos · New Delhi

• KMFL is into financing of Commercial Vehicles and Construction Equipments. I worked as Senior Officer Marketing based in Delhi.
• Key Responsibilities:
• Deal Origination & Deal Close, handing of retail accounts.
• Handling DMAs, Dealers of Telco, Eicher, Swaraj Mazda & Ashok Leyland.
• Independent Handling of Commercial Vehicle Marketing.
• Proposing the cases into credit and getting the approval.
• Development of relations with the customers and concentrating on prospective and pottential customers for future business.