Hi, I’m
Dharmendra Singh
Regional Head
Ludhiana,PB
Summary
Unique blend of visionary leadership offering over 20 years of cross-functional work experience in Retail Banking/ Corporate Banking; currently associated as Zonal Relationship Manager with ICICI Merchant Services. Notable success in building strategic alliances to open an opportunity for accessing new markets through new customer acquisitions, prospective leads, reviving the existing clients, providing macro & micro level insights & so on. Enterprising Leader with capacities of establishing new branches, managing the end-to-end operations, formulating operational procedures & systems while focusing on business objectives & goals. Strategic Leader & Planner with consistent record of identifying/exploring new & untapped business opportunities, driving growth and augmenting profitability via Third party products and lending products/casa products. Innovative Manager with skills of building and maintaining healthy business relations with high net-worth and corporate clients and ensuring high client satisfaction matrices by achieving delivery & service quality norms. Well-organized with a record of assisting management to achieve measurable performance improvements through requirements definition and transparent reporting and focus on leveraging technology for business process improvements. Exhibited excellence in providing advisory and driving Digital initiatives in the areas of ATMs, Debit Cards, Credit Cards, Prepaid Cards, Gift Cards, Mobile Banking, Internet Banking, POS, Payment Gateway, Cashless Campus Project & Digital Wallets, CA, TASK/GBG/BCG/TXB/Retail/Key Merchants/ASSETS/ALL type of Loans/Payment Getaway/E-Commerce. Distinguished capacities in providing in-depth analysis of markets, industry trends, competitors and clients to improve strategic planning & decision-making finalization of retail banking branches following end to end process. Like signing lease agreement and hiring staff to make branches profitable. Recognized as PAN India Topper by ICICI Merchant Services for the year 2021-22. In-depth understanding of all processes connected with Banking industry including RBI obligations & guidelines. Led, mentored & monitored the performance of the team members to ensure efficiency in process operations and meeting of individual & group targets. Key skills in executing structural cost saving techniques to achieve substantial reduction in expenditures and work within the budget and formulating cost effective solutions for enhancing business operations.
Overview
24
years of professional experience
1
Certification
3
Languages
Work History
ICICI Bank
Regional Head Merchant ECO System
12.2022 - Current
Job overview
- Administering the entire gamut of Merchant Journey right from the inception stage to profitability management
- Accomplishing subsidiary objectives by establishing plans, budgets and results measurements; allocating resources, reviewing progress and making mid-course corrections
- Managing 20 Branches of ICICI Bank Branches for POS Business, Payment Getaway, Digital Payment Solution for All verticals Govt. Banking, Transaction Banking, CMS, Retail Branch Banking API, Tally Plugging, CMS
- Exploring new business opportunities in potential micro-markets and improving market outreach by organizing various marketing activities and customer engagement programs
- Mapping customer requirements, providing customized products, delivering technical presentations and liaised with internal teams for closing the deal
- Formulating end-to-end sales solutions, streamlined operations, while contributing to long-term growth objectives of the corporate entity
- Exploring potential business avenues & managing marketing & sales operations for achieving the business targets; initiating market development efforts and increased business growth
- Targeting achievement of the highest levels of service health of branch by adhering to operational processes and closely monitoring complaints & service issues
- Assessing risk, cost, resource requirements & schedules associated with projects & submitted the effective delivery opinions
- Achievement
- Top performer in payment gateway collection, API Collections, POS Collections in Mumbai
- Promoted as Regional Head from Regional Head Sales Since 1st April 2023
- PAN India top 3 Regional Head as per 17th July MIS 23
Trufedu (Start UP)
Zonal Head North
11.2022 - 12.2023
Job overview
- Managing a team of State Head /Cluster Head/ Channel Partners for Health and Wealth -RR
ICICI Merchant Services
Zonal Relationship Manager
01.2020 - 09.2022
Job overview
- Administering the entire gamut of Banking Operations right from the inception stage to profitability management
- Accomplishing subsidiary objectives by establishing plans, budgets and results measurements; allocating resources, reviewing progress and making mid-course corrections
- Managing 1587 ICICI Bank Branches for POS Business, Payment Getaway, Digital Payment Solution for All verticals Govt. Banking, Transaction Banking, CMS, Retail Branch Banking
- Key Result Areas
IndusInd Bank
Deputy Vice President
09.2019 - 01.2020
Job overview
- Targeting achievement of the highest levels of service health of branch by adhering to operational processes and closely monitoring complaints & service issues
- Generated various MIS reports like monthly profitability report, monthly profit & loss, balance sheet, cash flow statement, working capital statement and cash flow projection
- Prepared and presented weekly and monthly management reports on cost and benefit analysis, productivity analysis, inventory turnover analysis and cost variance analysis
- Maintained fixed assets; streamlined reports, filing returns for fixed assets, managing site wise capitalization and provision, undertaking physical verification of assets and ensuring that all assets were insured at the correct value
- Instituted the monthly financial results and reporting process for multiple lines of business including detailed reporting analysis at the portfolio and consolidated level
- Worked with business partners in managing the annual budget and quarterly forecast process
- Developed and implemented a more integrated reporting process to improve financial performance, controls and ensure the delivery of financial requirements
- Reported any change in the client information to the corresponding department offer to the clients all of Bank products
- Provided high quality services to customers within the agreed compliance and regulatory norms (RBI, FEMA, AML guidelines)
- Drove strategic takeover of the company with new investors by managing due diligence, negotiating on take-over terms with investors including enterprise valuation, deal structuring, and so on
- Role
Investors Clinic
Vice President
02.2019 - 08.2019
Job overview
- Reported to MD and CEO for Strategy Planning and Branch Management
- Role
Bandhan Bank
Cluster Head(Deputy Vice President)
01.2015 - 11.2018
Job overview
- Tracked, monitored & delivered the business goals, of the cluster including Liabilities Book Growth, revenue delivery and employee productivity
- Ensured the cluster adheres to the Branch Banking Strategy, Service & Quality as well as ensured that all people, process, data and systems in the branch are well attuned to deliver consistent and superior levels of service to all customers
- Arranged Monthly Consolidated MIS (Dash Board) and presentations for the management of all units’ performances in FRM
- Role
IndusInd Bank
Branch Head(Grade Chief Manager), Assistant Vice President(Branch Head)
09.2009 - 01.2015
Job overview
- Won Champion of Champions Trophy in Mutual Funds among 115 branches in East zone and the branch was acknowledged as the best branch of East zone in June 2014
- Recognized with Wall of the Fame in Mutual Fund Business Rating 4 out of 5 in FY 11-12, 3.51 out 5 in FY 11-12 with grade promotion as Assistant Vice President
- Growth Path
- Achievements
ICICI Prudential Life Insurance Company Limited
Area Manager
09.2008 - 04.2009
HDFC Bank
Teller Authorizer, Back-up Branch Manager, Branch Manager
12.2004 - 09.2008
Job overview
- Growth Path
Tapindu Urban Cooperative Bank Limited
Assistant General Manager
09.2002 - 12.2004
Education
Invertis UniversityBareilly
Ph.D. from Management
01.2023
University Overview
- Management in Process final stage
- GPA: 63%
Patna UniversityPatna
M.Com. from Accounts and Taxation
01.2004
University Overview
GPA: 56%
Master School of ManagementMeerut
PGDBM from Finance, Marketing & IT
01.2002
University Overview
- Full Time
- GPA: 62%
ICAIKolkata
CA (Intermediate)
01.1998
University Overview
GPA: 51%
Vanijya MahavidyalayaPatna
B.Com (Hons.)
01.1995
University Overview
- Patna University (Patna)
- GPA: 71%
Vanijya Mahavidyalaya
H.S. from Commerce
01.1992
University Overview
GPA: 61%
A.N. Singh High School
Secondary
01.1990
University Overview
GPA: 68%
Skills
Communicator
Motivator
Innovator
Analytical
Accomplishments
- Put every effort into generating business, giving maximum time for business & considering people as assets
- Received Pinnacle Award APAC in 2021 for showing fabulous contribution to Fiserv in 2020
- Received Pinnacle Award APAC in 2022 for showing fabulous contribution to Fiserv in 2021
- Achieved highest category of awards where we spent 6 days trips with Global CEO outside India and all winners were invited with family in business class to spend 6 days holiday with CEO
Key Impact Areas
- Retail Branch Banking
- Strategic Planning & Execution
- Risk Compliance & Management
- B2B Sales, wealth Management
- Fraud Monitoring & Control
- Business Development loan products
- Continuous Process Excellence
- Client Relationship Management
- Team Building & Leadership
- Revenue Generation from CASA
Affiliations
Payment industry specialist pinnacle award winner 2020 and 2021 in Fiserv world most admirable company under fortune 500
Real estate specialist reported MD Ceo investors clinic
Insurance specialist won Ed Trophy 2008 as an area manager Icici Prudentialnt life insurance co Jhansi
Micro finance specialist as a founder member of Bandhan bank
Additional Information
Wall of fame Indusind Bank
Launching of Bandhan bank in Up and Uk making all of them profitable of 36 branches
Became teller to bm in Hdfc bank in 2.5 years
Full time PGDBM in finance marketing and IT
Mcom from Patna university Patna 2002/04
Done 3 years Article training in Calcutta under 2 CA
Have expert in managing metro location as 7 years in Kolkata
4 years in Mumbai
4.5 years in Delhi
Rest in UP and Bihar
Certification
PHD in Management
Timeline
PHD in Management
06-2026
Regional Head Merchant ECO System
ICICI Bank
12.2022 - Current
Zonal Head North
Trufedu (Start UP)
11.2022 - 12.2023
Zonal Relationship Manager
ICICI Merchant Services
01.2020 - 09.2022
Deputy Vice President
IndusInd Bank
09.2019 - 01.2020
Vice President
Investors Clinic
02.2019 - 08.2019
Cluster Head(Deputy Vice President)
Bandhan Bank
01.2015 - 11.2018
Branch Head(Grade Chief Manager), Assistant Vice President(Branch Head)
IndusInd Bank
09.2009 - 01.2015
Area Manager
ICICI Prudential Life Insurance Company Limited
09.2008 - 04.2009
Teller Authorizer, Back-up Branch Manager, Branch Manager
HDFC Bank
12.2004 - 09.2008
Assistant General Manager
Tapindu Urban Cooperative Bank Limited
09.2002 - 12.2004
Invertis University
Ph.D. from Management
Patna University
M.Com. from Accounts and Taxation
Master School of Management
PGDBM from Finance, Marketing & IT
ICAI
CA (Intermediate)
Vanijya Mahavidyalaya
B.Com (Hons.)
Vanijya Mahavidyalaya
H.S. from Commerce
A.N. Singh High School
Secondary