Dileep J Nair
Thodupuzha
Summary
Senior Banking Professional with 28 years of experience in Retail and Corporate Banking at leading institutions. Proven track record in driving revenue growth and enhancing organizational performance. Expertise in operational excellence and strategic leadership.
Overview
29
29
years of professional experience
Work History
Executive Vice President
PHOBOSGOLD TECHNOLOGIES PVT LTD
Bangalore
06.2025 - Current
- Company Overview: PHOBOSGOLD TECHNOLOGIES is a leading provider of gold loan appraisal services to Banks, NBFCs, and Small Finance Banks across India.
- Spearhead strategic initiatives to expand the company’s footprint across multiple financial sectors.
- Lead and manage cross-functional teams delivering gold appraisal solutions to major financial institutions.
- Cultivate and maintain high-level client relationships with banks and NBFCs to ensure service excellence and business continuity.
- Oversee operations, performance metrics, and quality assurance for field appraisers.
- Collaborate directly with the Board of Directors and Executive Leadership to drive innovation, compliance, and business growth.
- PHOBOSGOLD TECHNOLOGIES is a leading provider of gold loan appraisal services to Banks, NBFCs, and Small Finance Banks across India.
- Played a pivotal role in securing strategic partnerships with leading financial institutions.
- Implemented operational reforms improving field efficiency and reducing appraisal turnaround time.
- Contributed to a significant increase in client retention and service satisfaction levels.
Cluster Head – Bharath Banking/Deep Geo
AXIS BANK Ltd
Kerala
01.2023 - 05.2025
- Enabled overall business growth of the bank branches by developing marketing plans based on consumer preferences and driving sales volumes.
- Developed market segmentation and penetration strategies to achieve targets of Bharat Bank branches.
- Monitored retail branch performance and implemented recognition campaigns to enhance motivation.
- Recruited, mentored, trained, and retained personnel of the business team to ensure optimum performance and quality service delivery.
- Coordinated with stakeholders such as Credit/Operations for retail loans (including Gold Loans) and Audit for safer banking practices.
Assistant Vice President
Axis Bank
Kozhikode
01.2021 - 01.2023
- Heading the branch for Retail business. Responsible for the Liabilities portfolio, P&L, customer service, quality and relationship management, business development, and operations compliance.
- Implements strategic plans, and processes to deliver consistent revenue and profit growth.
- Strategically develop new markets, motivates, and drive the team towards the common goals to achieve high levels of customer satisfaction and business targets.
Assistant Vice President
Axis Bank
Thrippunithura, Kochi
01.2016 - 01.2021
- Headed the branch and was responsible for Liabilities portfolio, P&L, customer relationship and satisfaction, retail and NRE business growth, fee-based income etc.
- Built and managed the team to perform efficiently and drive consistent business growth in CASA, Retails Loans and Revenue.
Assistant Vice President
Axis Bank
Thodupuzha
01.2011 - 01.2016
- Headed the branch and consistently grew agricultural credit, and SME finance business, Gold Loans.
- Become the No.1 branch in Kerala for Agri-business Volume and Fee-based income with Zero NPA from the inception of the Branch.
- Responsible for the overall performance of the branch focusing on business growth.
- Lead a team of 35 members.
Senior Manager
HDFC Bank
Ernakulam
01.2008 - 01.2011
- Branch Head of M G Road, Ernakulam, having a very high volume of SME Credits, Retail Loans, Gold Loan and Forex Business.
- One of the flagship branches of the bank in the city.
Manager
Dhanalakshmi Bank
Kochi
01.2001 - 01.2008
- Branch Head of Palarivattom, Kochi branch, a medium-sized Retail Branch.
- Credit Manager in Zonal Office, Ernakulam, managing Credit Portfolio for South Kerala branches.
- Coordinating with branches for collecting information’s for various regulatory returns.
- Laisoning with Govt./ RBI and SLBC for submission of returns.
- Point of contact for Govt. Sponsored schemes and sanctioning of credit facilities under various schemes.
- Management appointed me as Presenting Officer for Vigilance Enquiries inside the Bank.
- Asst. Manager in Mangalore branch focusing on retail operations and credit operations.
Clerk
Lord Krishna Bank
Kaloor, Kochi
01.1997 - 01.2001
- Gained good experience in branch operations, credit processing, MIS, business development, customer servicing etc.
Education
MSc - Psychology
Madras University
09.2025
MBA - Marketing
Bangalore University
BSc - Mathematics
Mahatma Gandhi University
Diploma in Computer Applications -
Skills
- Communication
- Relationship Management
- Business Development
- Finance Management
- Problem Solving
- Team Building
- Business strategy
- Client relationship management
- Logical thinking capability
- Organizational growth
- Revenue generation
Languages
- English
- Malayalam
- Hindi
- Kannada
- Tamil
Training
- Foreign Exchange – FEDAI
- Credit Risk Management – ICRA Advisory Services
- Credit Analysts in Commercial Banks – NIBM, Pune
- Leadership Training – IIT, Mumbai
- Others as in original resume
Personal Information
- Date of Birth: 01/19/74
- Marital Status: Married
Activities
- Member, Rotary Club International
- Member, Junior Chamber International
- Member, Farmers Club
- Member, Bankers Club
Timeline
Executive Vice President
PHOBOSGOLD TECHNOLOGIES PVT LTD
06.2025 - Current
Cluster Head – Bharath Banking/Deep Geo
AXIS BANK Ltd
01.2023 - 05.2025
Assistant Vice President
Axis Bank
01.2021 - 01.2023
Assistant Vice President
Axis Bank
01.2016 - 01.2021
Assistant Vice President
Axis Bank
01.2011 - 01.2016
Senior Manager
HDFC Bank
01.2008 - 01.2011
Manager
Dhanalakshmi Bank
01.2001 - 01.2008
Clerk
Lord Krishna Bank
01.1997 - 01.2001
MSc - Psychology
Madras University
MBA - Marketing
Bangalore University
BSc - Mathematics
Mahatma Gandhi University
Diploma in Computer Applications -
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