Oct 2020 – Nov 2023 · 3 yrs 1 mo · India

Jan 2018 – Present · 8 yrs 2 mos · Pune, Maharashtra, India

Jan 2018 – Dec 2021 · 3 yrs 11 mos · India, Singapore, Africa, UAE, Canada, Europe

Feb 2016 – Dec 2017 · 1 yr 10 mos · Pune Area, India

• Responsible for all third party and Direct business which included Online sales. A total of 15 channels, managing over 200 Partnerships spread over 20,000 touch points delivering NB of INR 2100 crore plus; and complete profitability from Business. Total number of customers managed including financial inclusion is about 210 Million. Marketing, Sales Admin, and Training was also part of the function.
• Key objective was to turnaround presence in Partnership space and acquire new bank partnerships which was best ever after Standard Chartered deal in 2001. Delivered one of the best growths in individual and overall business.

Nov 2012 – Feb 2016 · 3 yrs 3 mos · Mumbai Area, India

• Responsible for all the Distribution Channels of Bharti AXA Life including Agency, Corporate Agency, Broker channel, Group channel, Direct Sales Force and Digital. In addition Training, Channel Development, Dist Finance, Analytics, Distribution Operations, Bancassurance, Business Development, Strategic Projects.
• Key objective is to restructure business, and drive performance and take company to Profitability.

Oct 2009 – Nov 2012 · 3 yrs 1 mo

• Chairman of the Board Audit Committee for Commercial International Life Insurance Company Limited. Restructured and launched new Consumer Banking Products.
• Played a pivotal role in the re-launch of all the Insurance Products as well as led the launch of General Insurance business.

Dec 2006 – Oct 2009 · 2 yrs 10 mos · Qatar, and Oman · On-site

• (Reporting into Group COO (EGM), working on a McKinsey project sponsored by Group CEO for Commercial Bank Group, CEO for Commercial Bank of Qatar, National Bank of Oman and United Arab Bank)
• Was promoted and seconded for this assignment to work closely with McKinsey to build and implement world best practices for the three banks in the alliance; review of over 100 banks and visits to best practice banks. Developed and implemented comprehensive Consumer Banking strategy, HNW/Affluent Proposition (including other Segments), Bancassurance, Credit Cards, and Lean transformation.
• Head Liabilities, Bancassurance and Investment Business (National Bank of Oman) Dec 2006 to Nov 2008
• Assistant General Manager (Reporting into Chief of Consumer Banking; later to CEO)
• Accepted this assignment to drive, restructure, and turn around organization, strategize consumer-banking business, build sustainable revenue growth, increase market share, bring in business discipline, and launch Wealth Management, Bancassurance & NRI business.
• Was able to quickly reverse declining Liabilities book (CASA & FD) with the highest ever growth, launched wealth management (including launch of Platinum credit card), salary card, bancassurance and NRI business, restructured Personal Loan Insurance which contributed significantly to the total bank profits, re-organized and opened sales channels, which direct sales, alternate distribution channels i.e., call center, Internet Banking, SMS banking and ATM’s, launch of Model Branch Project, Wealth Management Centre and new Brand. Improve working of marketing unit, enforce product management discipline, and clean up insurance issues, audit and regulatory issues.

Mar 2004 – Dec 2006 · 2 yrs 9 mos · Dubai

• Head Bancassurance and Head Mortgage Sales
• (Reporting into Chief Marketing Officer; close working relationship with Head Retail Banking, Head Cards, and Head Consumer Risk and Chief Distribution officer)
• Head (Business Manager) – Bancassurance
• Recruited to start business from scratch, role was also to launch a UAE specific model (implemented one of its kind model in the region), business gained strong commitment from the management. Business grosses revenues of over USD 10 million (from almost zero), a team of over 300 people from zero (directly or indirectly involved), out of which 50 were a part of direct sales.
• Head – Mortgages
• Handed additional responsibility with a role to streamline sales set-up, introduce a better customer product value proposition, and implement process improvements for better customer experience. Managed a book size of USD 200 million; quickly generating US $ 5 million revenue for the 2nd year of business.

May 2001 – Mar 2004 · 2 yrs 10 mos · India

• Head Corporate Agency and Group (Head Strategic Alliances), Head Bancassurance and Worksite Marketing
• (Reporting into Chief Executive Officer)
• Key member of the Allianz start up operation in India; assigned to set up alternate distribution channels, key focus to build Bancassurance (signing Standard Chartered Bank relationship), Corporate Agency (over 100 Corporate Agents across the Country), and Group businesses and launch Worksite Marketing. I was trained under Regional Manager for Asia Pacific region and Chief actuary. I was involved in almost every process pertaining to life insurance business; which includes Agency, Alternate channels, Operations, underwriting and training.

Jul 2000 – May 2001 · 10 mos · India

• Joined this role during technology boom to work on developments and create an offshore team for supporting outsourcing business of GE Aircraft Engines

May 1995 – Jun 2000 · 5 yrs 1 mo · India

• (Reporting into Vice Chairman and Managing Director)
• (Head of business) for Western region which included Corporate finance (leasing, hire purchase and bills discounting), Merchant banking (managed 7 IPO’s), Distribution company, Resources (Inter corporate deposits, FD’s, Bill refinancing, asset book securitization, debenture placements and dealing with rating agencies), Stock broking business and Foreign exchange business.