Playing all types of sports
Chirag Sharma
Banker , Chief Manager, Bank Of Baroda
Mumbai
Summary
Versatile Chief Manager specializing in all areas of Banking and skilled at planning, implementing and overseeing key improvements to drive business growth and efficiency. History of cultivating an open culture with free exchange of information. Pursuing new professional challenges with a growth-oriented company. Forward-thinking to adept at managing teams of 10 employees with all 10 direct reports to accomplish challenging objectives. Imparts clear vision to guide cohesive, high-performing teams. Strong leader and problem-solver dedicated to streamlining operations to decrease costs and promote organizational efficiency. Uses independent decision-making skills and sound judgment to positively impact company success. Collaborative leader with dedication to partnering with coworkers to promote engaged, empowering work culture. Documented strengths in building and maintaining relationships with diverse range of stakeholders in dynamic, fast-paced settings.
Overview
11
11
years of professional experience
4
4
years of post-secondary education
3
3
Certifications
4
4
Languages
Work History
Performance Appraisal Grading Chief Manager
Bank of Baroda
Mumbai
06.2020 - Current
- Establishing clear and specific performance goals and objectives for each employee, aligned with the overall objectives of the organization
- These goals serve as benchmarks for measuring performance.
- Periodic assessment of employees' performance against the set goals and objectives.
- This evaluation can be conducted annually, semi-annually, quarterly, or at other intervals depending on the organization's preferences.
- Preparation of cohorting based on similar role and goals for each employee.
- Similar group of people are formed in one cohort based on analytical study, data checks and role assigned by me.
- Finalizing grading as per cohort and percentile system for each employee
- Approximately 42000 employee grades are processed and finalized with cohorting system and analysed by me.
- Designing, maintaining, and optimizing data based on goals and targets given as per management.
- Collection from different sources and system and analysing data for assigning goals to each employee.
- Played a key role in drafting Bank’s Baroda GEMS Policy to provide appraisal framework for adherence of principles and processes.
- Trained more than 20000 employees of the bank to understand appraisal system and make its best use for personal growth and organizations growth.
- Team of 9 report me and i am project leader for cohorting and grading process of Banks appraisal model name Baroda GEMS.
- MD & CEO level KRA are finalized based on requirement by department of finance and Government of India.
- Produced staffing matrix to provide adequate coverage of department.
- Maintained professional, organized, and safe environment for employees and patrons.
- Maximized performance by monitoring daily activities and mentoring team members.
- Established team priorities, maintained schedules and monitored performance.
Car Loan Sanction Head, Senior Manager
Bank Of Baroda
Mumbai
01.2019 - 01.2020
- Headed car loan cell in Mumbai wherein I was responsible to sanction car loan for all customers of Mumbai region for the bank.
- Scrutinizing and analyzing credit proposal from different branches and leads given and sanctioning the same within 1 day of receiving any proposal..
- Income and FOIR study – Detailed income and FOIR study was done for all the proposals
- 17 Cr Car loan sanction was done in 6 months.
- Consolidated vendors and renegotiated contracts to optimize costs.
- Recommended and implemented successful strategies to maximize revenue.
- Boosted team member productivity by enhancing performance monitoring and instituting motivational approaches.
Credit Head, Senior Manager
Bank Of Baroda, Boisar Branch
Mumbai
01.2018 - 01.2019
- Evaluating Credit Applications: Reviewing credit applications and assessing the creditworthiness of potential customers based on various factors, such as credit history, financial statements, and payment behavior.
- Applied effective time management techniques to meet tight deadlines.
- Excellent communication skills, both verbal and written.
- Demonstrated creativity and resourcefulness through the development of innovative solutions.
- Worked flexible hours across night, weekend, and holiday shifts.
- Actively involved in successful implementation of Pradhan Mantri Mudra Yojana (MUDRA Scheme)/ Stand Up India scheme in Bank of Baroda
- Sanctioned 40 cr Loan for SME borrowers
- Building and maintaining relationships with customers to understand their credit needs and resolve any credit-related issues.
Branch Head, Senior Manager
Silvassa Branch
Dadra & Nagar Havelli
01.2016 - 01.2018
- Increased Branch total business from 100 Cr to 200 Cr in 2 years.
- Mobilized more than 5000 accounts with Average balance above 10k
- Focused on digitalization of all accounts, mobile banking of more than 10k customers were activated and internet banking of all business accounts were activated.
- Increased fee income through Insurance and mutual fund averaging 2 lakh income per month for branch.
- 10k saving accounts and 500 Current accounts were opened during tenure.
- Won best branch in Home loan category within Valsad Region, 2ND best in Mudra loan, 3rd in Digital category.
- Increased branch advance portfolio from 30 Cr to 100 Cr.
- Lead team of 10 in the branch, 3 operations officer, 2 credit officers, 1 sales officer & 4 support staff.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
- Assessed employee performance and developed improvement plans.
- Engaged employees in business processes with positive motivational techniques.
- Maintained friendly and professional customer interactions.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Implemented service improvements to enhance sales cycle.
Strategic Planning and Budgeting, Manager
Bank Of Baroda
Mumbai
01.2014 - 01.2016
- Handled operational segment of Fund Transfer Pricing of all the domestic branches. HO interest calculation was fully automated and shifted to Fund transfer pricing by me for Bank of Baroda.
- Analyzed data on monthly basis and rates/pricing of each product was finalized based on analysis and requirement of management
- Draft of Fund Transfer Pricing policy was prepared, which was applicable for 3 years.
- Daily monitoring of different rates / interest rates, internal product changes.
- Study on all products of Bank was done and based on product category,features,interest were decided with critical deep level analysis.
- Account level profitability was calculated on each month considering all the income and expenses incurred by branch/bank.
- Budgeting and target setting tool was done based on target setting tool and analysis for whole FY of Bank as a whole.
- Mentored and supported 4 team member to groom for Fund transfer pricing department employees to create strong workplace culture.
- Accomplished multiple tasks within established timeframes.
Operations In-charge, Officer
Goregaon(East) branch
Mumbai
01.2013 - 01.2014
- Handled Term deposit and Government business Desk with more than 20k customers of the branch
- Added 5k customers in Government business for the branch
- Added 1k foreign currency term deposit accounts.
- Lead team of 3 in the department.
- Won Best Government business officer of the region.
- Addressed public questions, complaints and requests and provided necessary assistance.
- Generated reports detailing findings and recommendations.
- Gathered, organized and input information into digital database.
Education
PGDBA - Banking and Finance
Manipal University
Bengaluru 02.2012 - 02.2013
B.E. - I.T
Don Bosco College Institute of Technology, Mumbai University
Mumbai 06.2007 - 07.2010
Certificate - JAIIB (Junior Associate of Indian Institute of Bankers)
IIBF
Skills
Leadership
undefinedAccomplishments
- Represented in cricket at school, college, and bank level
- Rewarded as best batsman in more than 25 tournaments
- Participated in group dance competitions
Marital Status
Single
Leadership Roles
- Strategic planning department
- Lead Fund Transfer Pricing project
- Lead 2 branches with business over 200 Cr.
- Lead car loan cell
- Lead Project SPARSHPLUS grading system
- Lead teams in branch, Project SPARSHPLUS, and car loan cell
Personal Information
Date of Birth: 01/02/87
Training
- CRISIL Certified Credit and Risk Management Intermediate
- Training of Finacle 10 software by Infosys
- Branch head certification training
- Retail credit certification training
Certification
Certificate in Commercial Credit from Moody
Interests
Music listening
Reading
JAIIB, Certificate in Commercial credit from Moodys, CAIIB, Certificate in data analysis in excel.
- Completed JAIIB and CAIIB within bank with first class, Completed Certificate of Commercial credit from Moodys with first class and certificate of data analysis from coursera with 100% achievement.
Timeline
Certificate in Commercial Credit from Moody
12-2023
Certificate in data analysis
12-2023
Performance Appraisal Grading Chief Manager
Bank of Baroda
06.2020 - Current
Car Loan Sanction Head, Senior Manager
Bank Of Baroda
01.2019 - 01.2020
Risk level 1 from CRISIL
07-2018
Credit Head, Senior Manager
Bank Of Baroda, Boisar Branch
01.2018 - 01.2019
Branch Head, Senior Manager
Silvassa Branch
01.2016 - 01.2018
Strategic Planning and Budgeting, Manager
Bank Of Baroda
01.2014 - 01.2016
Operations In-charge, Officer
Goregaon(East) branch
01.2013 - 01.2014
PGDBA - Banking and Finance
Manipal University
02.2012 - 02.2013
B.E. - I.T
Don Bosco College Institute of Technology, Mumbai University
06.2007 - 07.2010
Certificate - JAIIB (Junior Associate of Indian Institute of Bankers)
IIBF
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