Mar 2023 – Jan 2026 · 2 yrs 10 mos

Jul 2022 – Apr 2023 · 9 mos

Jan 2017 – Jul 2022 · 5 yrs 6 mos

• Build & Scaled Merchant acquiring business for the bank , Managing overall acquiring business , Managing Distribution ,Service ,Alliances , Portfolio, P&L , Product
• (A) Functional Skills:
• Building business including Tech stack/ Product /Process
• Setting up Large S&D network
• Working with OEMs and Large retail formats to build Affordability & Program management
• Digital Banking and Project execution
• Set up of Centralized Operations and Process review & re-engineering
• Acquiring Large Retail formats and build value added services preposition for LFRs and end
• consumers
• Risk & Control in building strong governance operating model
• Working with product teams across verticals to explore digital opportunity aimed at higher
• profitability and enhanced business gains
• ● Heading overall business of merchant acquiring product, EDC machines, QR codes , with key focus
• at market penetration and profitability.
• Working on digital initiative with key focus on receivable and payment solution, launch of digital Merchant Acquiring products.
• (B) Build Alliances across large formats Key
• Heading Merchant acquiring business and digital initiatives for CA business, Payment solution,
• CMS solution’s
• Responsible for entire P&L for business.
• Started with setting up initial infrastructure for merchant acquiring business and build pan India
• business network.
• Building entire business from start, aimed at enhancing the opportunity exists in industry and build
• a profitable business model.
• To setup sales and service setup pan India
• To build effective monitoring model for efficient product delivery, risk management, and
• profitability.
• ● aimed at building ecosystem for merchant as well as Kotak bank customers

Apr 2016 – Feb 2017 · 10 mos

• Manage Retail banking branches directly responsible for sales , service and distribution of retail banking products liabilities, assets ,wealth and trade services across all customer segments through multiple delivery channels including bank branches , direct and out bound sales, Digital team, Relationship team and other alternate channels .
• Presently manage team of 100+ teams across sales, service, operational, wealth management team & Trade service and asset professionals.
• Directly responsible for P&L of all branches and responsible for delivering profitability for the bank, by effectively focusing on incremental business across Retail Casa/ Wealth/Investment products /Trade business and Assets consumer and commercial assets.

Sep 2013 – Jan 2016 · 2 yrs 4 mos · New Delhi Area, India

• Part of startup team for setting up Institutional & Commercial Banking vertical for the bank aimed at building strategic team to manage Existing large clients (Corporate/MNC/Government business). & Acquire new clients to deliver incremental CASA business for the bank
• Responsible for managing Institutional & Commercial business for NCR with key focus on Large/Mid corporate . MNC companies & Government Business for NCR. Aimed at delivering incremental profitability for the bank with Key focus on CASA / T & Fx Revenue & Business lending .
• . With Key focus at delivering profitability goals set for business units .
• Responsible for managing existing clients through team of Cluster Solution Managers and delivering incremental profitability & work on product customization for efficient service delivery to customers
• Responsible for New to bank acquisition through team of Area Acquisition heads and Acquisition managers. Focused at acquiring large/Mid corporate, MNC companies, Government business.
• Ensure customer retention and loyalty by providing excellent customer service.

Mar 2012 – Aug 2013 · 1 yr 5 mos · Mumbai Metropolitan Region

• (A)Regional Business Manager – Liability Acquisition - March 12 till Date
• Responsible for NTB( New to bank ) liability acquisition for both branch and acquisition verticals for Mumbai , Gujarat and MP branches.
• Ensuring all verticals are meeting there acquisition budgets on no. of accounts and values. ,Ensuring X Sell revenue budgets are achieved for the region through higher penetration on NTB book .,Ensuring employee productivity on no. of accounts and Values,Handling NRI Client Acquisition .
• Tracking NTB book performance through on boarding and performance tracking module.
• ,Effective implementation of segment focused acquisition strategy,Ensuring the Verticals are meeting there Asset Targets and T& F focused accounts.
• ,Ensuring adherence to compliance and operational procedures.

Oct 2010 – Mar 2012 · 1 yr 5 mos · Mumbai Metropolitan Region

• Responsible for Premier Acquisition for West India (Rest of Maharashtra Mumbai Gujarat & Madhya Pradesh)
• Have setup the Premier Acquisition Vertical for ING. Starting from business model, key deliverables, acquisition strategy, budgeting and break even.
• Prime objective was to build Liability book of HNI and Ultra HNI, on saving and current account side that will form base for wealth management business.,Guiding the team towards achieving their Business targets, HNI acquisition, Business banking, Insurance and Wealth Management with key focus at acquiring C -1 customer.,Manage customer relationship to get a greater share of their wallet.
• Ensure customer retention and loyalty by providing excellent customer service.
• Achieve Wealth Management Penetration to Premier Customers in coordination with the Wealth team on M0 and M1
• Achieving desired penetration of X sell products LI/GI Responsible for acquisition of mid size corporate on Current accounts and SME lending.Responsible for superior customer service and Quality Portfolio through telesales, Service and Quality team.
• Increase customer base by organizing and executing events and customer acquisitions activities.
• Managing productivity of Sales Force both of no of accounts and productivity on values.

Apr 2008 – Dec 2010 · 2 yrs 8 mos

• Responsible for maximizing business volume, revenue growth by achieving set targets on Personal Loans, Business Loans, Mortgages, & Home and Investment products.
• Managing a Team of Branch Managers, Wealth Manager and Acquisition Managers.Responsible for Recruitment, Training and Development, Motivation and Retention of the team for better business growth.Enhancing/up scaling the Distribution network by creating new sourcing channels and strengthening the existing ones,Devising and executing various activities/schemes to create visibility/sales in the market.
• ,Supervising & Co-coordinating with Branch Controls, Fraud Control Unit, Credit, Collections, Administration, Operations and Marketing team across the region effectively to maximize business efficiency and profitability.Ensuring quality check of all deliverables and process compliance (Audits) for all the branches and getting the highest rating in process audits.

Apr 2006 – Apr 2008 · 2 yrs

Jun 2004 – Apr 2005 · 10 mos

• Worked With HDFC standard Life in retail Sales

May 2002 – Jun 2004 · 2 yrs 1 mo

• Was handling Distribution With ACC Cement for part of eastern UP