Sep 2022 – Oct 2022 · 1 mo

• Conceptualised BFSI cloud solutions following Industry 4.0 technologies like AI/ML, NLP, Data Analytics etc
• Suggested GTM strategy of futuristic solutions by calculating total addressable market, customer segmentation and demand forecasting
• Developed sales and pricing strategy for the proposed SAAS solutions
• Identified top in-demand capabilities by understanding the customer need in the BFSI domain
• Drawn comparative analysis of the different cloud native capabilities offered by the current service providers and presented a cost-benefit analysis

Apr 2022 – May 2023 · 1 yr 1 mo

• Advised CXOs across BFSI, Fintech, and public sectors through various knowledge-sharing platforms like Lynk Global and Dialectica to revamp business efficiency, performance, and cost control
• Market Strategy: Devised a GTM strategy of agriculture lending products for the small finance bank using customer segmentation, product mapping, and market research, which led to a revenue increase of 5% QoQ in the target market
• Process Efficiency: Collaborated with multiple stakeholders to revamp end-to-end processing and sanctioning of the loan through an automated credit underwriting solution that uses cloud technology along with AI-ML models, which increased the credit offtake by 35%

Jan 2021 – Mar 2022 · 1 yr 2 mos

• Led a diverse 50-member team to accelerate top-line growth, process and product optimization, and digital adoption
• Business Excellence: Achieved 150% credit growth over FY-21 budget by strengthening new customer base and by establishing CRM and revenue funnel through inbound lead generation and targeted outbound cold email
• Margin Improvement: Rationalized operating expense by 25% in FY-21 by curtailing non-essential recurring costs and re-negotiating long-term contracts like lease rentals
• Digital Initiative: Conceptualized and steered a cross-functional team for the end-to-end automation of the NPA Tracker application leading to a gross reduction of bad debt by 30% by volume
• Profitability Focus: Sustained 40% top-line growth by reducing NPA and cross-selling/up-selling CASA and third-party products
• Product Outreach: Strengthened digital product utilization by 60% through prioritizing product features and defining key product matrices
• Product Engagement: Attained 20% YOY growth in digital lending by identifying the key value drivers through industry/market analysis and qualitative interviews to bring services like e-KYC, Automated Processing, and In-Principal Sanctioning
• Capability Implementation: Enhanced customer engagement by 70% by liaising with a cross-functional team for end-to-end implementation of e-Passbook
• Resource Utilization: Augmented the incremental top-line growth by 15% by revamping the KPIs of the 50-member cross-functional team and aligning them with customer needs to increase Customer Life Time Value

Aug 2019 – Dec 2020 · 1 yr 4 mos

• Managed a team of 20 in maintaining over 10,000 accounts and providing financial services to 20+ villages; set up customer service points across villages resulting in the reduction of daily footfall by more than 60%
• Organized loan recovery camps to reduce bad debt from 23% to 7%, branch rated No. 1 in bad debt recovery in the region
• Awarded by the Government of Uttarpradesh for achieving a 100% increase in priority sector loans and for also imparting financial awareness among the villagers with NGOs and civic agencies
• Achieved highest position pan India in cross-selling/up-selling of the bancassurance products like Mutual Funds, Life Insurance and augmented top-line growth by 30% YOY

Jul 2018 – Jul 2019 · 1 yr

• Spearheaded a 20-member team to manage branch operations to execute the sales and marketing strategy to solicit business
• Omnichannel Strategy: Accomplished 34% growth in asset portfolio and 52% in CASA by devising a unified view of communication across all channels (Branch Experience, Digital Engagement, Customer Support)
• Lean Transformation: Truncated the credit default rate by 40% by following the six sigma practices and continuous upgradation in the risk profiling process of the customers
• Operation Excellence: Collaborated with multiple stakeholders to co-author 150+ branch-specific Standard Operating Procedures (SOP) to streamline operations

Jun 2017 – Jun 2018 · 1 yr

• Drove sales and service initiatives to onboard corporates, developers, and HNIs to achieve 152% of the allotted budget
• Facilitated customers’ migration to digital channels to achieve a 65% & 47% reduction in transaction time and cost, respectively

May 2015 – May 2017 · 2 yrs

• Strategized sales pitches and liaised with SMEs and significant real estate developers to achieve 34% growth in the asset portfolio
• Supervised and prepared risk analysis for project finance across sectors to ensure nil delinquency in the portfolio leading to a decrease in the default rate by 25% YOY
• Ensured compliance with financial regulator’s statutory norms and enhanced branch rating from A to A+ in risk audit

Dec 2012 – Apr 2015 · 2 yrs 4 mos · Hyderabad, Telangana, India

• Managed a cross-functional IT Operations team to reduce incidents and enhance process efficiency following ITIL and Six Sigma practices
• Business Process Engineering: Attained a 30% YOY increase in the Net Promoter Score by efficiently managing the solutions and identifying the gaps in the IT process, policies and procedures
• Process Design: Enhanced: Enhanced the TAT by 40% and acquired 100% SLA of the incidents raised by designing the agile project plans

Dec 2011 – Jan 2012 · 1 mo · Mumbai, Maharashtra, India

• Performed testing of Cement under different conditions using various properties and integrated the usage via Halliburton patented software.
• Designed 3-D completion well model using I-Cem software.

Jun 2011 – Aug 2011 · 2 mos · Mumbai, Maharashtra, India

• Studied in-depth understanding of various Production Enhancement tools used in Coal Bed Methane (CBM) surface and participated in hydraulic fracturing, Matrix acidizing and pin-point simulation exercise in the Essar Oil field unit in Asansol, West Bengal.
• Additionally, I assisted in maintaining the inventory of tools required to carry out the operations in the Oil rig at SAP.

Jan 2009 – Jan 2010 · 1 yr · Pune Area, India

• Conceptualized creating the Dakshana Alumni Association Network (DAAN) as a close-knit family and database of all the alumni who passed out using the assistance of the Dakshana Foundation, which will help grow the Dakshana Foundation in future.
• Became the founding executive committee member of the DAAN community and looked after the Training and Placements.