Jan 2026 – Present · 4 mos

Jun 2020 – Jan 2026 · 5 yrs 7 mos

• In the current role as Assistant Vice President, I lead the Microfinance vertical within the Micro & Rural Banking Department. Entrusted with end-to-end ownership of the Bank’s microfinance business via the Agency/BC channel, I oversee strategic planning, product innovation, partner engagement, and execution. I am responsible for steering a highly motivated team operating across multiple Indian states, with a mission to build a financially sustainable rural ecosystem.
• Career Milestones & Achievements:
• Architect of Federal Bank’s Microfinance Framework (Since 2016): Spearheaded the creation and implementation of the Bank’s dedicated Microfinance vertical. Designed comprehensive business policies, operating models, and scalable frameworks tailored to underserved communities.
• Nationwide Impact: Successfully established a robust BC (Business Correspondent) network with over 25 active partnerships spanning 23 states, resulting in a growing portfolio of ₹7,000 Crores+.
• Empowering Women Entrepreneurs: Positively impacted the lives of 1.4 million+ rural women, enabling access to finance through a tech-enabled, dignified lending process.
• Driving Financial Inclusion at Scale: Expanded operations to over 1,000+ villages, launching localized banking units that promote sustainable livelihood, digital adoption, and community development.
• Product & Process Innovation: Introduced several customer-centric lending solutions backed by cutting-edge technology and data analytics, improving outreach and portfolio quality.

Dec 2016 – May 2020 · 3 yrs 5 mos

• As a Senior Manager in the Financial Inclusion & Rural Banking Department, I am responsible for strategizing, implementing, and scaling inclusive banking initiatives aimed at underserved rural and semi-urban populations.
• Designing and executing financial inclusion strategies aligned with regulatory and institutional goals.
• Driving outreach through Business Correspondent (BC) networks, banking agents, and digital platforms.
• Developing and managing products tailored to rural customer segments, such as microloans, savings, and insurance.
• Ensuring compliance with RBI guidelines, financial literacy initiatives, and social impact metrics.
• Leading partnerships with NGOs, fintechs, and government agencies to expand rural banking coverage.
• Monitoring performance across regions and ensuring effective delivery of services in unbanked and underbanked areas.
• Promoting sustainable livelihood programs and community engagement to foster long-term financial empowerment.

Apr 2013 – Nov 2016 · 3 yrs 7 mos

• As a Senior Manager in HR Operations, I oversee the design, implementation, and optimization of HR processes to ensure seamless employee lifecycle management and operational efficiency.
• Leading end-to-end HR operations including onboarding, payroll, benefits administration, compliance, and offboarding.
• Driving process improvements and automation to enhance employee experience and operational scalability.
• Collaborating with cross-functional teams to support workforce planning, performance management, and policy implementation.
• Supporting organizational change initiatives and aligning HR operations with business goals.

Apr 2013 – Mar 2016 · 2 yrs 11 mos

• As a Branch Manager, I am responsible for leading overall branch operations, driving business growth, and ensuring exceptional customer service while maintaining regulatory and operational compliance.
• Key responsibilities include:
• Managing daily operations of the branch to ensure smooth and efficient functioning.
• Driving business development across retail, MSME, and priority segments to achieve revenue and profitability targets.
• Leading and mentoring branch staff to ensure high performance, customer engagement, and teamwork.
• Ensuring compliance with all regulatory guidelines, audit requirements, and internal policies.
• Strengthening customer relationships and enhancing client satisfaction through personalized banking solutions.
• Overseeing risk management, cash operations, and overall branch security.
• Representing the bank in local outreach, promotional activities, and community engagement.

Apr 2011 – Mar 2013 · 1 yr 11 mos

• As an Audit Official in a bank branch, my primary responsibility is to ensure adherence to regulatory standards, internal policies, and operational procedures through meticulous auditing and risk assessments. I conduct periodic branch audits to evaluate the accuracy, integrity, and compliance of financial transactions and processes.

Jun 2008 – Apr 2011 · 2 yrs 10 mos

• As a Priority Relationship Manager, I serve as a trusted financial advisor and single point of contact for high-net-worth individuals (HNIs) and priority banking clients. My role is centered around delivering personalized financial solutions, building long-term relationships, and ensuring a seamless and rewarding banking experience.