Jun 2024 – Oct 2025 · 1 yr 4 mos

• Leading coverage of portfolio companies in the Tech and Startup space.
• Responsible for developing and leading propositions for the segment.
• Manage the lending program to Startups across India Commercial bank.
• Work closely with VCs and investors and support their Portfolio companies.

Mar 2022 – Jun 2024 · 2 yrs 3 mos

• Lead India Commercial Banking's franchise in the Tech enabled Startup & New Age Economy Segment. Additionally I also head the Business Banking segment for South 1 region which comprises of enabling Small & Mid Corporate enterprises to achieve their potential thru Lending and Transaction Banking propositions.

Jun 2016 – Mar 2022 · 5 yrs 9 mos

• Area head for the Business Banking segment in Bangalore which is the 2nd largest single city profit center for Business Banking in India.
• New Economy/Startup Lead for India Commercial Bank covering the Corporate and Business bank
• Develop understanding & expertise in the new age/Technology segment and building robust Business, product and Risk (credit risk and financial crime risk) management capabilities.
• P&L responsibility across Transaction banking, Digital products and Credit portfolios.
• Key market engagements include direct Corporate client interactions at Promoter/Founder, CFO & CEO and COO levels, Engagement with market influencers like PE/VC firms, Fund houses, Law and Advisory firms, Big 4 Consultants and Start-up Influencers and accelerators.
• Steer engagement with external ecosystem of investors, influencers and thought leaders in the tech sector ecosystem.

Feb 2015 – Jun 2016 · 1 yr 4 mos

• Head the Business Banking Asset Relationship Team in the National Capital Region (NCR) based out of Delhi.
• Drive the team in accordance with the overall strategic directions of the Bank and ensure compliance to internal and regulatory requirements on Relationship Management, Operations, Business development and credit Risk standards.
• Minimize credit and fraud loss by working closely with the Credit Risk team for credit proposal approvals/reviews credit assessments, and active management of critical relationships.
• Provide Strategic impetus towards the growth of Commercial Banking Business in the NCR Region

Jan 2010 – Jan 2015 · 5 yrs

• Lead the Business banking Relationship team in the states of Tamil Nadu and Kerala with a team of Senior and Junior Relationship managers, Customer service managers and Underwriting support manager.
• Ensure good implementation of full relationship management strategy by providing one-stop financial services, maximizing service efficiency and adopting effective credit assessment.
• Focus on lending and Transaction banking to the Small and Mid-corporate sector targeting USD 3 to 50 Mio Corporates.
• Target Business from Leading Multinational corporations and position HSBC as the preferred Leading International Bank.
• Work closely with product support groups across – Trade, PCM, Security services and Credit Operations.

Sep 2008 – Dec 2009 · 1 yr 3 mos

• Drive the Credit Card Product managers and Sales managers for providing strategic impetus to the Cards portfolio sales and distribution business in India
• Presenting analysis and trends to respective Sales and Product teams and provide feedback to control various vectors to meet the business requirement.
• Analyze various data through detailed MI to monitor Product Trends, Usage, Profitability and Cost of Acquisition.
• Prepare and circulate process notes for new process along with Product Managers.
• Overall responsibility of the Cards Portfolio and distribution Business Intelligence Unit

Jan 2007 – Aug 2008 · 1 yr 7 mos

• Drive the team of Sales Relationship managers towards business development and profitability in the region.
• Responsible for driving a monthly acquisition volume of 10,000 new Credit cards in the region.
• To ensure revenue growth thru cross sales of income products and reduced cost of acquisition.
• Maintain healthy portfolio by lowering delinquency/write offs and fraud losses.
• To identify trends and devise strategies on being the market leaders in the region.
• To develop distribution network in the region.
• To enhance the co-branded card proposition thru co-branded sales partners like Westside and Spencer’s - both huge retail chains in India.

May 2004 – Dec 2006 · 2 yrs 7 mos

• Channel Management and new business development - To develop and drive sales channels in the region. Responsible for a monthly target of new 1000 Cards in the region.
• Recruitment, Retention, Training, motivation and development of sales force in the channels.
• Develop alternate delivery channels in the region.
• To build a robust distribution network in the region in the midst of a very competitive retail sales market.
• Have worked in multiple markets which include Trivandrum and Cochin in the state of Kerala and Chennai and Coimbatore in the state of Tamil Nadu.

Apr 2002 – Apr 2004 · 2 yrs · Calicut Area, India

• Responsible for the building the Mortgage portfolio in a “new to company” market.
• Achievement of targets through direct and corporate sales. Responsible for generating INR 50 Mn worth of loan disbursements monthly.
• Develop new business areas in North Kerala.
• Manage operations (Pre and Post disbursal process) and Credit risk analysis for the market.
• Credit assessment and control of Home loan applications. Ensure zero fraud and Credit losses.