Jul 2013 – Aug 2017 · 4 yrs 1 mo · Gurugram, Haryana, India

• In 2011, I joined a newly crafted division for providing financial services to the low income households. Starting from the scratch, working on new products, processes and partnerships, I played key role in making banking available to more than 10 million families. I initiated and developed partnership with 12 intuitions (NBFCs, NGOs and other MFIs) in North and East region and created loan portfolio form scratch to INR 7000 million. Set up and executed lean business processes to improve the operational efficiency.

May 2011 – Jun 2013 · 2 yrs 1 mo · Gurugram, Haryana, India

• Strategized and executed Financial Inclusion initiative. Engaged with the conception, piloting and scaling up of the rural lending programme through low cost branches and business correspondents. Developed and implemented a system for training and monitoring of hundreds of field executive, spread across five states.

Feb 2009 – Apr 2010 · 1 yr 2 mos · Lucknow

• As a Director in the Boards of two RRBs and as a member of the audit committee of the Board, participated in financial planning, risk management, compliances and audit & control systems.
• Kishan KGB came into profit due to change in the investment decisions. Have worked closely to improve accounting and technology up-gradation across the bank branches.

Oct 2004 – Mar 2010 · 5 yrs 5 mos

• Supervised performance of all 12 Regional Rural Banks in Uttar Pradesh. Monitored branch expansion, financial planning, risk management, credit flow to the agricultural and rural sector of RRBs.
• As a Lead District Officer, participated in planning and monitoring of credit flow of INR 16.91 billion by various banks.

Mar 2004 – Sep 2008 · 4 yrs 6 mos

• Evaluated regulatory compliance, financial soundness, and risk management systems of various banks (books upto INR 1000 billion) by on-site inspection of their offices
• Primed CAMELS based rating, as a part of Annual Financial Inspection, of Indian and foreign banks
• Led a team of 25, for managing Currency Verification Processing System (CVPS) and managed all India highest performance
• Managed accounts of INR 4000 billion currency across 432 Currency Chests in the state of Andhra Pradesh.

Jun 2003 – Feb 2004 · 8 mos

• Managed branch operations i.e. opening of accounts, cash management, clearing operations, etc
• Prepared credit proposals (Kisan Credit Card) and conducted background search