ANAND CHOUKE
Summary
Strategic Senior Banking Leader with 23 years in retail banking and multi-channel sales leadership. Expertise in Mortgages, personal loans, Gold Loan, Business Loan and Loan against Shares. Led initiatives in digital lending and channel management, driving sustainable revenue growth and optimizing operational efficiency.
Overview
24
24
years of professional experience
Work History
Zonal Sales Manager - Mortgages (DSA Channel)
Axis Bank Ltd.
Mumbai
02.2026 - Current
- Developed and implemented sales strategies to enhance market share.
- Identified changes in market trends and developed channels for acquiring business to capitalize on emerging opportunities.
- Identified areas of expansion in existing markets as well as identified new business opportunities in untapped markets.
- Worked closely with Product, Credit, Operations and Tech teams to resolve bottlenecks and improve customer experience.
- Trained and mentored new sales staff on best practices and techniques.
- Ensured adherence to regulatory guidelines and internal credit policies to maintain compliance and mitigate risk.
Circle Head - Risk Portfolio Management Group
Axis Bank Ltd.
Mumbai
06.2025 - 01.2026
- Achieved maximum collection and recovery efficiency for delinquent portfolio.
- Conducted regular portfolio reviews to identify risks and recovery opportunities, enhancing overall portfolio performance.
- Achieved maximum collection and recovery efficiency for delinquent portfolio.
- Collaborated with legal risk and operational teams for account resolution.
- Branch Channel and DSA Market. Product - All Retail Asset Products & Liability.
Circle Head Branch Asset Desk
Axis Bank Ltd.
Mumbai
12.2023 - 05.2025
- Led retail assets, liability, and third-party product initiatives.
- Driving business growth, productivity and revenue optimization across 109 branches.
- Led retail assets, liability, and third-party product initiatives.
- Strengthened collaboration with credit, product, and MIS teams to enhance conversion rates.
- Monitoring branch performance and achievement of multi-product targets.
- Strengthened collaboration with credit, product, and MIS teams to enhance conversion rates.
- Leading strategic initiatives, campaigns and local activation to boost branch productivity.
- Provided support and guidance to colleagues to maintain a collaborative work environment.
Cluster Head - Branch Asset Desk
Axis Bank Ltd.
Mumbai
06.2018 - 12.2023
- Managed 46+ branches and 18 Asset Desk Managers.
- Achieved consistent growth in retail assets portfolio and fee income through strategic initiatives.
- Ensured achievement of IRR, revenue targets, and product mix optimization.
- Scaled business across branches, open market, and digital channels, driving increased customer acquisition.
- Executed sales promotions, training programs, and business development initiatives to enhance market presence.
- Managed team performance through regular coaching and feedback sessions.
- Handled customer escalations, compliance and TAT adherence.
Area Sales Manager
Axis Bank Ltd.
Hyderabad
09.2016 - 06.2018
- Led multi-channel sourcing through DST, DSA, and branch channels to enhance market reach.
- Conducted market analysis to identify growth opportunities and competitive positioning.
- Analyzed sales data to inform decision-making and strategy adjustments.
- Provided training and guidance on product knowledge, selling techniques and customer service.
Regional Sales Manager
IndusInd Bank.
Mumbai
09.2015 - 04.2016
- Drove revenue growth by implementing targeted direct marketing and lead generation strategies.
- Managed regional sales for Gold Loan portfolio.
- Drove revenue growth through direct marketing and lead generation strategies.
- Identified opportunities for cross-selling and up-selling within existing customer base.
- Coordinated training sessions to enhance staff product knowledge and sales techniques, improving team performance.
- Analyzed regional market trends to identify new growth opportunities and inform strategic decisions.
- Coordinated training sessions for staff to improve product knowledge and sales techniques.
Section Leader
YES Bank LTD.
Mumbai
07.2012 - 09.2015
- Managed sales operations and audits for gold loans, ensuring compliance and efficiency.
- Led recruitment, training, and performance management of sales teams to drive results.
- Ensured process, compliance audit readiness and operational efficiency.
- Managed Sales, Operation and Audit for Gold Loans.
- Managed workflow and assigned tasks to improve operational efficiency.
Sales Manager
HDFC Bank LTD.
Mumbai
06.2007 - 06.2012
- Achieved assigned targets through branch and open market strategies.
- Delivered strong results in loan against securities and gold loan products.
- Led sales team to achieve targets and enhance customer engagement.
- Conducted training sessions to improve product knowledge and sales techniques.
Area Sales Manager
INDIABULLS CREDIT SERVICE LTD.
Mumbai
08.2006 - 05.2007
- Managed DSA/DST channels while overseeing P&L responsibilities to ensure financial health.
- Enhanced team productivity and drove disbursal growth to increase revenue generation.
- Developed strategy for small ticket personal loan offerings.
- Managed a team of sales representatives to achieve targeted goals.
Customer Relationship Officer
Centurion Bank of Punjab
Mumbai
08.2005 - 07.2006
- Sourced liability products and TPD for corporate accounts, savings, current, demat, mutual funds, and insurance, diversifying product offerings.
- Engaged existing customers to cross-sell asset products, enhancing overall account value.
- Increased float in existing accounts, contributing to improved liquidity management.
- Product - CASA & TPP (Mutual Funds & Insurance).
Financial Consultant
IDBI Bank LTD.
Mumbai
10.2002 - 07.2005
- Led team of sales executives to meet organizational targets through motivation and guidance.
- Executed cross-selling strategies for various products to enhance client engagement.
- Managed and motivated executives to maximize login rates.
- Cross Selling of various products to the existing clients.
- Managed product portfolio for CASA banking services.
Education
Bachelor in Business Administration -
Skills
- Channel Strategy Development
- Sales strategy development
- Sales Performance Analysis
- Business development
- Customer relationship management
- Customer retention
- Channel management
- Team leadership
- Team training and mentoring
- Decision-making skills
- Business and Revenue Growth Strategy
Personal Information
- Date of Birth: 08/04/80
- Marital Status: Married
Languages
English
First Language
Hindi
Proficient
C2
Marathi
Proficient
C2
Telugu
Proficient
C2
Timeline
Zonal Sales Manager - Mortgages (DSA Channel)
Axis Bank Ltd.
02.2026 - Current
Circle Head - Risk Portfolio Management Group
Axis Bank Ltd.
06.2025 - 01.2026
Circle Head Branch Asset Desk
Axis Bank Ltd.
12.2023 - 05.2025
Cluster Head - Branch Asset Desk
Axis Bank Ltd.
06.2018 - 12.2023
Area Sales Manager
Axis Bank Ltd.
09.2016 - 06.2018
Regional Sales Manager
IndusInd Bank.
09.2015 - 04.2016
Section Leader
YES Bank LTD.
07.2012 - 09.2015
Sales Manager
HDFC Bank LTD.
06.2007 - 06.2012
Area Sales Manager
INDIABULLS CREDIT SERVICE LTD.
08.2006 - 05.2007
Customer Relationship Officer
Centurion Bank of Punjab
08.2005 - 07.2006
Financial Consultant
IDBI Bank LTD.
10.2002 - 07.2005