Oct 2016 – Oct 2022 · 6 yrs · Mumbai Area, India

Dec 2013 – Oct 2016 · 2 yrs 10 mos · Mumbai Area, India

• Principally responsible for the following:
•  Ensure that the Governance, Risk, Compliance and Control Frameworks are implemented and are operating effectively.
•  Monitoring, the risk control metrics as required by the Frameworks to remain within agreed risk appetite.
•  Compiling, Assessing and Reporting risk information to various Risk Management Meetings
• Primary point of contact for all “Run the Bank”, Financial Crime Compliance related action within RBWM. Engage with Financial Crime Compliance on an ongoing basis to actively manage RBWM’s risks, provide assurance and governance on managing identification, recording, ongoing monitoring and closure of issues on Orion and Audit Issues Database platforms.
• Coordinate Reserve Bank of India’s annual Risk Based Supervision exercise for RBWM. Submission of specific returns and responding to specific queries from the regulator on an ongoing basis. Ongoing engagement with RBI on specific open issues. Lead the Non Resident business regulatory risk issues within the Retail Bank, direct oversight on implementation of regulatory guidelines and circulars.
• Govern the overall management of issues including “Management Self Identified Issues” (MSII), and issues raised during Internal Control testing and issues identified by Audit (Concurrent and Thematic).
• Coordinate all submissions for RBWM to in-country Risk Forums, viz FCC Steering Committee (FSC), Regulatory Oversight Committee (ROC) and RMM (Risk Management Meeting) and provide specific inputs to the In Country Remediation Committee (ICRC) and ICEC (In Country Execution Committee) on an ongoing basis. Provide analytics for the Affiliate Risk Assessment exercise.
• Provide Assurance to the Sales Quality Management function for Retail Banking and Wealth Management.
• RBWM’s lead for the Enterprise Wide Risk Assessment Exercise for the last 3 years.
• Drive the Mystery Shopping Survey activity for AML & Sanctions Risk.

Sep 2011 – May 2012 · 8 mos

• Lead Mortgage Sales for Western India (Mumbai, Pune & Ahmedabad)  Optimize productivity through product / channel mix – Home Loans: Loans Against Properties, Direct Sales : Channel Sales : Builder Sales.  Conceptualize, Design and bring to Market, innovative financing solutions

May 2012 – Dec 2013 · 1 yr 7 mos

• 1.Deliver Growth & Sales Productivity, across Consumer Assets (Mortgages & Unsecured Loans), Liabilities, Investments, New Client Acquisition & Credit Cards.  Manage Third Party and “owned” distribution channels
• 2. Lead a team of 150 sales Relationship Managers spread across own and third party distribution channel.
• 3. Built a sustainable and balanced retail sales distribution model.

Aug 2008 – Sep 2011 · 3 yrs 1 mo

• 1.Manage an organization in transition. 
• 2. Lead Retail and HNI sales team covering Retail Broking, Investment and Insurance, Managed Products, Loan Against Shares, Margin Trade Funding.
• 3. Built a comprehensive retail sales distribution model comprising of own Relationship Managers, Channels and Flexible Work Force.
• 4.Connceptualize and Implement the Central Dealing Room.
• 5. Drove a strong bottom line culture combining Cost Rationalization & Operational Efficiency.

Oct 2005 – Sep 2008 · 2 yrs 11 mos · Chennai