Apr 2023 – Aug 2023 · 4 mos

Jul 2022 – Apr 2023 · 9 mos

• 1. Established the fastest Banking / FI partnerships in the Fintech / TechFin space in India
• 2. Created new use case models to achieve non-linear growth on credit lending thruput metrics – USD 1 billion achieved in 8 months
• 3. Started asset book build across various Banking / FI partners and achieved asset AUM of ~USD 0.2 billion in 8 months
• 4. Co-created various lending products with Bank / FI partners to enable options to borrowers
• 5. Created unique anchor agnostic product with a leading MNC bank
• 6. Brought in 22 corporate anchor customers in a span of 6 months including marquee names such as Bajaj Auto, Del Monte, Polycab, etc
• 7. Strengthened referral and sales partner network through signing up multiple partnerships across geographies and coverage types
• 8. Was given additional responsibility to cover international geographies – covered ground in Middle East and Sri Lanka.
• 9. Led the partnership with Qatar Development Bank promoted Qatar Fintech Hub and got company selected as BNPL anchor

Jun 2021 – Jul 2022 · 1 yr 1 mo

• 1. Took charge of a USD 0.76 million lending AUM and grew it by 30% in one year to a > USD 1 billion AUM with a PBT of ~USD 30 million
• 2. Focused on re-aligning the NII : Fee ratio by targeting growth of Transaction Banking products, CASA, FX. Achieved NII : Fee of 55 : 45
• 3. Led the portfolio to be best performing on CASA, FX and Cross Sell (Corporate Salary, Corporate Cards, Privy and Wealth accounts)
• 4. Brought focus into RAROC based pricing resulting in the highest yearly profitability percentage growth amongst zones
• 5. Worked on creating a significant pipeline of new acquisition cases to improve the monthly lending throughput ration between new acquisitions v/s existing enhancements. Reactivated dormant relationships through wallet deepening strategy
• 6. Part of the core committee of the bank in the early stages of formulating of the SME platform for the bank

Aug 2020 – Jun 2021 · 10 mos

• All previous functions
• 1. Additional responsibility of managing Customer Experience and Service Quality for CIIB customers

May 2015 – Aug 2020 · 5 yrs 3 mos

• 1. Service RMs (Legal documentation team)
• 2. Corporate A/C Operations
• 3. Disbursement and GBO desk
• 4. Cash Management Service Support
• 5. Centralized Desk for Monitoring & Control
• 6. Financial Analytics & Control / [Business Intelligence Unit]
• 7. Technology Projects Team
• 8. Central Process desk
• 9. Risk Containment Unit [RCU]
• 10. Marketing & Event Management
• Coverage across all Wholesale businesses - SME, Large Corporates, Financial Institutions, MNCs, Conglomerates Group and the Cash Management function
• Received accolades for working on streamlining of processes and implementation of automation to achieve:
• 1. Measurement metrics for processes
• 2. Eliminating redundancies across lifecycles of events
• 3. Improving and maintaining consistency of delivery on TATs, FTRs
• 4. Established a strong self audit mechanism and was one of the first to have a completely functional RCSA with control testing
• 5. Established the customer experience measurement practice to create benchmarks and therefore set improvement targets
• CSR lead on the Mumbai Marathon platform of the bank. Led the bank to being the highest fundraising corporate in the last 2 years
• Member on the Internal Committee of the Bank for Prevention of Sexual Harassment

Apr 2012 – Apr 2015 · 3 yrs

Oct 2009 – Mar 2012 · 2 yrs 5 mos

• Corporate Banking Business Head’s office
• 1. Portfolio Monitoring
• 2. Process desk
• 3. Business Intelligence and Analytics
• 4. Cross Sell
• 5. Marketing and Customer Events
• Coverage across Large Corporates and Mid Markets businesses

Apr 2008 – Oct 2009 · 1 yr 6 mos

• 1. Business Development
• 2. Relationship Management
• Built the most profitable and largest Business region in the country for the ECG business group.
• Covered Western and central parts of the country - Maharashtra, Gujarat, Madhya Pradesh, Chattisgarh, Goa

Dec 2006 – Mar 2008 · 1 yr 3 mos

• 1. Business Development
• 2. Relationship Management
• Covered the state of Maharashtra and made it one of the most profitable and larger areas for the bank in the ECG business.
• Basis performance in comparison with other areas in this role was then moved up to being the Regional Head for the West Region

Jun 2006 – Nov 2006 · 5 mos · Mumbai Metropolitan Region

• Business Development Team Lead

Oct 2003 – May 2006 · 2 yrs 7 mos · Mumbai Metropolitan Region

• Relationship Manager for setup and delivery of SME business for Mumbai location
• Was recognised as one of the fastest growing RMs in the country
• Part of the setup and founding team of ECG business at Kotak

May 2001 – Sep 2003 · 2 yrs 4 mos · Mumbai Metropolitan Region

• As part of the internal audit team, focused on coverage of the following functions:
• 1. Corporate Banking
• 2. CMS and Clearing Operations
• 3. Loan Against Securities
• 4. Retail Branches
• 5. Human Resources
• 6. Financial Control
• Team member of fraud management and detection unit within the Internal Audit team

Sep 2000 – Apr 2001 · 7 mos · Mumbai Metropolitan Region

• 1. Managed portfolio Value at Risk calculations
• 2. Credit writing for 4 customers
• 3. MIS & Financial reporting