Dec 2025 – Present · 5 mos

• Currently serving as Vice President & Cluster Head – Kashmir & UT of Ladakh at Axis Bank, I am responsible for driving overall business performance, governance, and customer experience across the cluster.
• With over two decades of experience in retail banking, my role focuses on scaling liabilities and assets, strengthening branch productivity, ensuring regulatory and operational compliance, and building high-performing leadership teams. I work closely with Branch Heads and frontline teams to drive sustainable growth while maintaining strong risk and control frameworks.
• My career journey spans grassroots banking to leadership roles, including Front Desk Operations, Relationship Management, Branch Head assignments, and exposure at the Corporate Office, enabling me to bring a balanced, practical, and customer-centric approach to leadership.

Nov 2022 – Dec 2025 · 3 yrs 1 mo

• Led product and portfolio strategy for customer onboarding and premium banking initiatives, focusing on digital transformation, governance, and superior customer experience.
• Key responsibilities included designing and scaling digital onboarding journeys, strengthening control frameworks, improving straight-through processing, and ensuring regulatory and compliance alignment across channels. Partnered closely with technology, operations, risk, compliance, and distribution teams to deliver seamless, customer-centric solutions at scale.
• Played a key role in enhancing premium channel propositions, driving process efficiency, reducing turnaround times, and improving onboarding quality and customer satisfaction.
• This role provided strong exposure to enterprise-level product strategy, cross-functional leadership, and governance-led execution, forming a solid foundation for current cluster-level business leadership responsibilities.

Apr 2022 – Feb 2023 · 10 mos

• Design and implementation of RM engagement plan, Sales Channel Efficiency of the Premium franchise including segmentation & thereby ensuring optimum portfolio coverage, frequency of connect, quality of connect and drive higher the conversion funnel for the franchise. Working with the on-ground channel teams to help them with actionable insights to ensure they drive the front-line team to achieve the right objectives delivering the promise as a Premium franchise. Also to track and ensure that all key initiatives as designed across NTB and ETB Life Cycle Management, Servicing and Customer Experience and Value Proposition are also delivered within the expected timeframes.

Apr 2019 – Mar 2022 · 2 yrs 11 mos

• Handling Priority RMs across bank. Responsible for Premium book growth, Fee Income, Manpower Planning.

May 2015 – Apr 2019 · 3 yrs 11 mos

• Profile includes Resource Team management, Resource Productivity, Retail book Growth, Branch profitability, Fee Income & Compliance

May 2009 – Apr 2015 · 5 yrs 11 mos

• Handling Priority Relationship of the branch and deliver MOM productivity across liabilities and Fee Income.