Annu Mittal
BFSI
Pune
Summary
Professional having vast experience in BSFI, Data analysis, Business Analysis, Requirement gathering, Client engagement, Performance improvement, Escalation management, Risk Management, Capital Market.
Overview
21
21
years of professional experience
5
5
years of post-secondary education
3
3
Certifications
Work History
Non Resident Indians Business Manager
Axis Bank Ltd
Pune
09.2021 - Current
- Created, managed, and executed business plan and communicated company vision and objectives to motivate teams.
- Communicated with customers and business centres positively with particular attention to problem resolution.
- Researched industry and marketplace trends to enhance sales techniques and meet customer needs.
- Performed data analysis and validation to ensure accuracy and integrity of banking data, leveraging tools such as Excel, Power point, power BI, SAS viya, CRM.
- Conducted user acceptance testing (UAT) in Digital adoption of account process-BYOD. Facilitated end-user training to ensure successful adoption of new systems and processes.
- Assisted in the implementation of regulatory compliance initiatives, ensuring adherence to industry standards and guidelines.
- Prepared and presented reports to senior management, providing insights and recommendations for business growth and risk mitigation.
Branch Manager
IndusInd Bank Ltd
Pune
05.2019 - 08.2021
- Develop and execute integrated sales, relationship and credit strategies that are aligned with the area business plan to achieve desired revenue, expense and service goals.
- Support the portfolio growth in the branch by identifying cross-sell opportunities, deepening relations and increasing client acquisition, being an active participant as needed.
- Create a warm, welcoming and friendly customer centric branch environment.
- Provide inspiration and leadership to branch staff daily through one-to-one coaching.
- Ensure effective lobby management to deliver exceptional customer service.
- Create a strong sales and service culture, fostering an environment in which all branch employees work together to achieve all business goals.
Business Partner for Equity Trading
Aditya Birla Money Ltd
Goa
12.2017 - 02.2019
- Monitored accounts, ledgers and reporting systems to comply with regulatory requirements and corporate policy standards.
- Marketed and sourced new demat and trading accounts.
- Managed trading terminal for ABML at Goa.
Branch Head & Credit Manager
IDBI Bank Ltd
Pune & Goa
11.2002 - 12.2017
- Increased overall annual sales by 35% by incorporating several quality process improvements within branch.
- Closed average of 10 crs loans per month.
- Analyzed financial data, including balance sheets, income statements, and cash flow statements, to assess the financial health and performance of companies.
- Developed financial models and forecasting tools to support strategic decision-making, including risk assessment, profitability analysis, and portfolio management and re-structuring loan proposals.
- Collaborated with cross-functional teams, including risk management, operations, and marketing, to develop and implement business strategies and product/service offerings.
- Conducted feasibility studies and ROI analysis for new business initiatives and investment opportunities.
- Approved loan within the specified DOP (Delegation of Powers) which was 1 crore per business. Prepared recommendations for the loan applications outside those limits to the Regional/ Zonal committee for approval.
- Consistently eliminated technical exceptions to meet regulatory agency compliance requirements for assigned loan portfolio.
- Established loan review audit procedures to enhance quality of loan portfolio.
- Trained and mentored staff on client profiling, conducting sales meetings, and closing deals.
- Was responsible for internal audits to ensure efficient banking operations and preparation of weekly and quarterly operations reports.
Education
Bachelor of Business Management -
ARG
05.1996 - 07.1999
Master in Business Management - Information Technology
BIMS
Davangere 08.1999 - 07.2001
Skills
Business process analysis and improvement
Data analysis and validation
Requirements gathering and documentation
Regulatory compliance and risk management
Financial analysis and modeling
Project management and coordination
Proficiency in tools such as Microsoft Office, working knowledge on Finacle, SAKSHAM, Power BI, SAS, Client relationship management software, etc
Knowledge of banking systems and platforms (eg, core banking systems, risk management systems)
Certification
Junior Associate of Indian Institute of Banks(JAIIB)
Persuing - Executive programm in Fintech, Banking, & Applied Risk Management from IIM Lucknow.
Program starting in June 2023
Timeline
Non Resident Indians Business Manager
Axis Bank Ltd
09.2021 - Current
Insurance Regulatory & Development Authority(IRDA)
08-2020
Branch Manager
IndusInd Bank Ltd
05.2019 - 08.2021
Business Partner for Equity Trading
Aditya Birla Money Ltd
12.2017 - 02.2019
National institute of securities management(NISM)
09-2017
Junior Associate of Indian Institute of Banks(JAIIB)
01-2013
Branch Head & Credit Manager
IDBI Bank Ltd
11.2002 - 12.2017
Master in Business Management - Information Technology
BIMS
08.1999 - 07.2001
Bachelor of Business Management -
ARG
05.1996 - 07.1999