Ankit Garg
Jagadhri
Summary
Banking growth professional directing branch performance toward the expectations of a Regional Business Head role. Builds deposit and lending momentum across 8+ branches through branch campaigns, portfolio deepening, staff activation, and tighter follow-up on business targets. Balances growth with risk control by keeping renewals, recoveries, and compliance reviews on track across the branch network.
Overview
1
1
Language
13
13
years of professional experience
Work History
DVP Presently working as Branch Head
Capital Small Finance Bank
05.2019
- Managed a team of 15-20 Loan officers, coaching execution, monitoring performance, and supporting regular training.
- Oversaw branch operations across cash transactions, clearing, collections, transfers, account opening, and customer service.
- Reviewed credit visit findings, field verification, legal checks, property valuation, and repayment capacity before sanctioning loans.
- Monitored portfolio quality, renewals, delinquencies, and recoveries to keep overdue accounts low and preserve clean assets.
- Handled disbursement documentation, mortgage papers, annual loan reviews, fund-end-use checks, and periodic borrower visits.
- Maintained RBI and bank policy adherence, supported operational risk controls, and prepared for internal and external audits.
- Built branch profitability through campaigns, market penetration, wallet-share growth, and stronger coordination with credit and non-credit teams.
AVP Worked as Area Head (Govt. Business Group)
INDUSIND BANK Ltd.
09.2018 - 05.2019
- Managed a portfolio of Approx 400 Cr Plus for 5 Branches across Government Department accounts in Ambala.
- Drove deepening of existing government business by tracking account activity and funding movement across branches.
- Tracked new-to-bank account and fund targets, coordinating branch execution for government department onboarding.
- Coordinated PFMS implementation with departments and updated account numbers centrally to route grants correctly.
- Followed up with branches on service delivery, timely processing, and customer satisfaction for government clients.
Senior Manager Worked As Branch Manager
AXIS BANK Ltd.
02.2009 - 09.2018
- Conducted monthly branch audits, reconciliations, and operational risk checks, then documented findings and follow-up actions.
- Managed branch operations across clearing, deposits, cash transactions, transfers, account opening, and complaint resolution.
- Served priority and premium customers, guided digital banking adoption, and handled customer instructions with a service-focused approach.
- Led staff alignment on business objectives, ran branch campaigns, and coached team members to improve performance and morale.
- Drove branch profitability by supporting liability product acquisition, wealth product pitching, and customer profiling for suitable solutions.
Teller Assistant Manager
ING Vyasa Bank.
01.2008 - 01.2009
- Coordinated cash transactions, funds transfers, and ATM servicing to keep branch operations running smoothly.
- Maintained vault custody and branch cash controls, balancing security procedures with timely teller support.
- Monitored cash-handling issues and escalated exceptions promptly to protect transaction accuracy and service quality.
Cashier Assistant Manager
HDFC Bank.
07.2006 - 01.2008
- Manage teller and core banking operations, including cash transactions, transfers, account openings, and clearing activities.
- Monitor batch journal reports, large transaction reports, cash remittances, and vault registers on a daily basis.
- Support Preferred Banking customers and manage the portfolio to improve CTG and IPH outcomes.
- Maintain lobby management and branch merchandising to keep the branch organized and customer-ready.
- Participate in Six Sigma implementation and gold sales while handling customer needs across branch activities.
Education
Master of Business Administration - Finance And Marketing
Maharishi Markendeshwar University, Mullana
Mullana05-2005
Bachelor of Commerce - undefined
Kurukshetra Univ.
05-2003
Intermediate - undefined
C.B.S.E
05-2000
Matriculation - undefined
C.B.S.E
05-1998
Skills
KYC & AML checks
Transaction monitoring
Suspicious transaction reporting
Account opening documentation
Branch audits
Branch operations management
Loan portfolio monitoring
Credit assessment
Customer relationship management
Branch profitability
Loan underwriting
Debt service analysis
Income verification
Collateral valuation
Loan covenant monitoring
Retail lending products
Mortgage lending
Credit bureau analysis
Policy exception review
Regulatory reporting
Sales forecasting
Branch network management
Personal Information
- Date of Birth: 28 December 1982
- Marital Status: Married
Timeline
DVP Presently working as Branch Head
Capital Small Finance Bank
05.2019
AVP Worked as Area Head (Govt. Business Group)
INDUSIND BANK Ltd.
09.2018 - 05.2019
Senior Manager Worked As Branch Manager
AXIS BANK Ltd.
02.2009 - 09.2018
Teller Assistant Manager
ING Vyasa Bank.
01.2008 - 01.2009
Cashier Assistant Manager
HDFC Bank.
07.2006 - 01.2008
Matriculation - undefined
C.B.S.E
Intermediate - undefined
C.B.S.E
Bachelor of Commerce - undefined
Kurukshetra Univ.
Master of Business Administration - Finance And Marketing
Maharishi Markendeshwar University, Mullana