Oct 2015 – Jun 2016 · 8 mos · Local Head Office, New Delhi

• Orchestrated SBI’s CX Excellence Project: re-engineered operations to boost profitability & market share.
• Scaled digital banking services: ATM networks, e-banking platforms & process automation.

Oct 2011 – Sep 2015 · 3 yrs 11 mos · Dispur, Guwahati

• Expanded ATM penetration from 800 to 3,000+ (56% market share vs. private banks at 53%).
• Launched internet banking, mobile payments & high-volume NEFT/RTGS platforms, achieving 69.1% digital transaction share.

Dec 2005 – Apr 2008 · 2 yrs 4 mos

• Managed 325 branches & 4,000+ staff; delivered ₹55.6 m net profit and reduced gross NPAs from 1.4% to 0.8%.
• Achieved zero NPAs in 14 branches; migrated 120 branches to CBS for full digital integration.

Jan 2002 – Nov 2005 · 3 yrs 10 mos

• Oversaw ₹8.27 bn deposits & ₹1.03 bn advances across 996 branches; doubled retail advances (+50%).
• Secured major corporate clients (Maruti, Indian Navy, Air Force).
• Implemented strategies for shifting individual customers to e-delivery channels, enhancing operational efficiency.

Jul 1995 – Jul 1998 · 3 yrs · New Delhi

• Managed corporate finance assignments, including external commercial borrowings, equity, and debt issuance, raising about US $1.39 billion annually from capital markets for the Private Corporates as well as Central Public Sector Undertakings like IRFC, PowerGrid Corp., SAIL, PSEB, PSIDC, etc.
• Oversaw Treasury resource mobilization, ensuring efficient fund management.

Dec 1988 – Oct 1991 · 2 yrs 10 mos · NewYork, USA

• Led India Development Bonds marketing across the U.S., optimizing SBI’s international capital strategy.
• Handled Systems, Software & Hardware requirements of three off-site locations: C.H.I.P.S. (Clearing House Inter Bank Payment System) for paying and receiving funds electronically through New York Clearing House