Aug 2020 – Jun 2024 · 3 yrs 10 mos · Noida, Uttar Pradesh, India

• Building India's largest technology and AI driven payments and financial services platform which recognizes consumer & small business needs, leverages the eco system and aims to delivers profitable digital inclusion at disproportionate scale.
• Board member at Paytm Money , Paytm Insurance broking , Paytm Payments services.

May 2017 – Aug 2020 · 3 yrs 3 mos · Gurgaon, Haryana, India

• Founding member of a company focused on building a well diversified NBFC driven by cutting edge technology and analytics which delivers simple , fast, innovative and customised solutions to customers when they need them.
• Successfully created from scratch a strong and profitable NBFC over past 3.5 years in the space of digital consumer and MSME lending alongwith a urban affordable housing business.
• Board member at Clix Finance & Clix Housing Finance.

Nov 2014 – May 2017 · 2 yrs 6 mos · Mumbai Area, India

• I was part of founding team responsible for setting up and growing the retail bank with focus on building customer acquisition and engagement strategy for Business Banking , CV&CE, MSME customer segment as business head.
• My role involved driving current account , saving accounts ( CASA) and TASC liabilities acquisition, transaction banking , payments , POS , CMS , digital solutions , international trade & forex, working capital , term loans , non fund solutions , commercial vehicle, construction equipment loans and medical equipment loans.

Apr 2013 – Oct 2014 · 1 yr 6 mos

• Was responsible for pan India product and business management of current accounts new acquisiton and existing book , transaction banking of current accounts ,international trade business for MSME customers , Business lending solutions like cash credit , overdraft, LC , Bank Guarantees etc for MSME customers and retail forex solutions.
• New product development , P&L responsibility , business driving through matrix structure , policy frame work , technology and system solutions , operational and compliance management of this segment are key deliverables of my role.

Apr 2009 – Mar 2013 · 3 yrs 11 mos

• Was managing this role since April 09. Manage more than 200 branches comprising of Branch banking, CASA, deposits, retail assets , mortgages ,wealth management, third party fee business , service management , MSME loans , trade & forex was a part of my role.
• Responsible for complete P&L and have a team of more than 4500 employees.

Apr 2007 – Mar 2009 · 1 yr 11 mos

• Was responsible for branch banking, CASA, fee for pan India 900 , urban, semi urban and rural branches . Lead a team of highly motivated 5500 on roll employees. Act as a catlyst in driving liability sales in form of current and saving accounts, fixed deposits , selling third party fees products , wealth management , service from branch, core banking operations at branch , risk, compliance and audit. Also resposnsible for driving various bank vide strategic initiatives like application of new branch and ATM licenses, cost control , opening and stabalizing new branches & ATM's , on boarding customer strategy , Tier 2 and 3 markets penetration strategy . Building strategy around driving productivity enhacement initiatives, process management, attrition managemnt and cost rationalisation.

Apr 2005 – Apr 2006 · 1 yr

• Was responsible for driving branch banking , sales, service for Retail Liability business for entire East Zone based out of Kolkatta. Catalyst in driving service excellence, risk and compliance , seemless operations alongwith driving sales objectives through highly motivated team of 1000+ team in Current saving accounts, third party fees, wealth management , corporate relationships . Effectively managed key challenges like attrition , skill sets gaps, new markets entry , cost rationalisation etc. Key highlights of my tenure was to showcase that zone as a new business expanssion opportunity for the bank and was successful in adding 25 new branches and applying for 150 more for the future

Sep 2004 – Mar 2005 · 6 mos

• Was responsible for driving Light Commercial Vehicle loans business for the bank Pan India. Key responsibilities included, team management , talent management ,channel management, credit controls, product development, manufacturer relationships ,creating new business lines for fees , reducing cost of business, enhancing productivity by 35% , leveraging interdependencies withing organisation and above all meeting sales targets. Was able to double the business in 6 months and create two new lines for fees opportunity in the business.

May 2003 – Aug 2004 · 1 yr 3 mos

• I was responsible for managing manufacturer relations , new product and scheme designs, inventory funding to car dealers for pan India.

Apr 2000 – Apr 2003 · 3 yrs · New Delhi Area, India

• Was responsible for managing north India business which including sales, operations and collections for inventory financing of two wheeler dealers . Was also responsible for retail loans for consumer durable and two wheelers.

May 1997 – Apr 2000 · 2 yrs 11 mos · Mumbai and New Delhi

• Was responsible for car loans sales and collections for Mumbai and then for New Delhi.