Mar 2025 – Jun 2025 · 3 mos · Mumbai, Maharashtra

• Stepped aside briefly for a structured break to focus on personal priorities and continuous learning. The time reinforced my long-term commitment to building sustainable impact in the BFSI ecosystem.

Apr 2020 – Mar 2024 · 3 yrs 11 mos · Mumbai, Maharashtra · On-site

• Head Retail & Institutional Liabilities Product and Channel/Branch Banking/TPP/Digital Banking & Alternate Channels.
• Key Responsibilities:
• 1. Responsible for developing and implementing cohesive and integrated marketing policies, plans and procedures for the retail liabilities business.
• 2. Overseeing cost management and cost effectiveness at the branch to ensure overall profitability.
• 3. Ensuring that the branches adhere to the Know Your Customer (KYC) and Anti Money Laundering (AML) norms at all times.
• 4. Supervising key areas including; Marketing, Business Channel Development, Team Development and Revenue Generation.
• 5. Ensuring all laid down system and processes are followed at the branch as stipulated by the Senior Management.
• 6. Ensuring comprehensive compliance with all regulatory and statutory requirements as relevant for the branches and for various product and services.
• 7. Ensuring high quality of customer service initiatives to ensure client retention.
• 8. Reviewing branch operation reports, vault register reports, audit reports, branch registers on a regular basis to ensure necessary implementation of corrective and preventive actions.
• 9. Ensuring compliance with banking rules, regulations & procedures.
• 10. Ensuring last-mile reach and service quality to clients through the business correspondence channel.
• 11. Building a portfolio of CASA, Term Deposits and Investments Products as per the business
• objectives of the branch

Apr 2018 – Apr 2020 · 2 yrs

• Responsible for leading, managing and growing the Banks retail network, with establish goals and implementation of strategies to achieve growth, profit, operational effiency and best-in-class customer experience.
• Key Responsibilities are:
• 1. Oversee Retail banking operations, new hire training, business development efforts of retail staff, and provide ongoing support for sales and service.
• 2. Assist in training and retention of high-quality resources committed banks culture of best-in-class customer service, building a roster of viable future leaders.
• 3. Lead, manage and coach a team of highly-motivated Managers accountable for exceeding customer and employee satisfaction, relationship building, production and growth goals and operational performance targets.
• 4. Assess structure and performance of Retail Delivery system, evaluate, understand and make strategic decisions regarding branch activity, staffing, products and technology
• 5. Collaborate with management and Marketing Department in implementation of creative, strategic marketing campaigns.
• 6. Ensure all financial centers are compliant with current risk management and audit standards and that they meet operational performance targets.
• 7. Demonstrate commitment, dependability and respect for all team members, serve as a guiding light in leading towards relationship-based success with team members and client.

May 2014 – Mar 2018 · 3 yrs 10 mos

• Head Wholesale Banking - Assets & Liabilities.
• Head Wealth Management
• Head Bancassurance and Credit Cards
• Planning & Development.
• Product & Strategy Management.
• Transformation, Budgeting & Control.

Apr 2007 – Dec 2012 · 5 yrs 8 mos · Bangalore · On-site

• Owned portfolio strategy and P&L accountability, delivering INR 200 million in annual profitability through a balanced revenue mix comprising:
• 1. Net Interest Income (NII) optimisation
• 2. Trade & FX fee income expansion
• 3. Business lending fee generation
• Interest spread management across asset portfolio
• Led yield enhancement and risk-calibrated growth initiatives to improve portfolio quality and margin performance.
• Simultaneously served as part of the First Line of Defence (FLOD), strengthening business risk governance by ensuring adherence to operational, financial, and regulatory compliance frameworks, while proactively mitigating credit and conduct risks.

Aug 2001 – May 2014 · 12 yrs 9 mos · Bangalore · On-site

• August 2001 – April 2007
• Held multiple roles with progressive responsibilities. Founding member of Van Gogh Preferred Banking, catering to HNIs and large commercial clients until March 2005. Subsequently, part of the core team that established the first Trade Services & FX desk in Delhi, driving transaction banking and foreign exchange solutions until March 2007.

Oct 1998 – Aug 2001 · 2 yrs 10 mos · New Delhi

Dec 1996 – Sep 1998 · 1 yr 9 mos