Summary
Overview
Work History
Education
Skills
Certification
Extra-Curricular Activities
Personal Information
Timeline
Generic
Etisha Milahar

Etisha Milahar

Regional Head- Strategic Initiatives & Trainings (COE- North Zone)
Panchkula

Summary

Experienced banking professional with 13+ years of expertise in corporate finance, credit analysis, and SME relationship management. Currently leading strategic initiatives and conducting trainings as Geo Spoc in COE at Axis Bank. Skilled in delivering tailored financial solutions, improving business strategies, and fostering long-term client relationships. Holds a PGDB in Banking and Finance, showcasing commitment to continuous development and exceptional performance.

Overview

13
13
years of professional experience
7
7
years of post-secondary education
2
2
Certifications

Work History

Regional Head - CBG COE (Centre of Excellence)

Axis Bank Ltd.
12.2023 - Current
  • Spearhead strategic initiatives and monitor productivity across the North region.
  • Designed and executed sales strategies, conducted knowledge assessments, and delivered training programs.
  • Addressed manning gaps and implemented updated training calendars, enhancing workforce efficiency.
  • Led product knowledge sessions aimed at strengthening functional expertise across business and retail banking verticals.
  • Aligned team goals with organizational values, fostering success and excellence.

Credit Analyst, Commercial Banking Group

Axis Bank Ltd.
08.2020 - 11.2023
  • Assessed creditworthiness and prepared tailored credit proposals for commercial clients.
  • Conducted account reviews, renewals, and enhancements while maintaining TAT standards.
  • Collaborated with risk departments to address observations and optimize client solutions.

Relationship Manager, SME Segment

Axis Bank Ltd.
08.2018 - 07.2020
  • Acquired new clients with turnovers of ₹10 Cr to ₹250 Cr for working capital funding.
  • Managed a ₹240 Cr portfolio, ensuring optimal utilization of approved limits.
  • Coordinated with risk and middle office teams for smooth credit processing.

Portfolio Relationship Manager, SME Segment

Yes Bank Ltd.
11.2016 - 07.2018
  • Managed 60+ SME clients with a portfolio totaling ₹150 Cr.
  • Delivered financing solutions, including term loans, working capital, and trade finance.
  • Expanded the asset book by acquiring new clients and deepening existing relationships.

Portfolio Relationship Manager, SME Segment

Kotak Mahindra Bank Ltd.
08.2015 - 09.2016
  • Oversaw a ₹150 Cr SME portfolio in the Chandigarh region.
  • Conducted creditworthiness assessments and ensured adherence to regulatory guidelines.
  • Processed loan proposals with a focus on quality and TAT compliance.

Relationship Manager, SME Segment

ICICI Bank Ltd.
05.2013 - 08.2015
  • Acquired new clients and managed working capital accounts.
  • Conducted credit assessments, ensured due diligence, and maintained post-disbursal compliance.
  • Built strong client relationships, driving optimal facility utilization.

Privilege Banker, Retail Liabilities

ICICI Bank Ltd.
05.2012 - 04.2013
  • Profiled customers and offered financial planning and investment solutions.
  • Acquired high-net-worth clients and met cross-selling targets.

Education

PGDB - Banking & Finance

ICICI Manipal Academy, Manipal University
01.2011 - 01.2012

B.Tech -

Doaba Institute of Engg. & Tech., Kharar, Punjab Technical University
Kharar, Punjab
01.2006 - 01.2010

HSC - undefined

Govt. Girls Sr. Sec. School, Chandigarh, CBSE
01.2005 - 01.2006

SSC - undefined

Bhavan Vidyalaya, Panchkula, CBSE
01.2003 - 01.2004

Skills

  • Organizational strategy development

  • Strategic business analysis

  • Credit risk evaluation

  • Operations management

  • Staff oversight

  • Budget administration

  • Training and development

Certification

NISM Certification, NCFM, 2012

Extra-Curricular Activities

Participated in art competitions and stage plays during school and college. Volunteered in financial literacy programs aimed at educating underserved communities. Organized and led cultural events and team-building activities at the workplace. Active member of banking industry forums and networking groups. Regular contributor to thought leadership articles on banking and finance trends. Participated in corporate social responsibility (CSR) initiatives, focusing on education and skill development.

Personal Information

  • Date of Birth: 04/21/88
  • Gender: Female
  • Marital Status: Unmarried

Timeline

Regional Head - CBG COE (Centre of Excellence)

Axis Bank Ltd.
12.2023 - Current

Credit Analyst, Commercial Banking Group

Axis Bank Ltd.
08.2020 - 11.2023

Relationship Manager, SME Segment

Axis Bank Ltd.
08.2018 - 07.2020

Portfolio Relationship Manager, SME Segment

Yes Bank Ltd.
11.2016 - 07.2018

Portfolio Relationship Manager, SME Segment

Kotak Mahindra Bank Ltd.
08.2015 - 09.2016

Relationship Manager, SME Segment

ICICI Bank Ltd.
05.2013 - 08.2015

Privilege Banker, Retail Liabilities

ICICI Bank Ltd.
05.2012 - 04.2013

PGDB - Banking & Finance

ICICI Manipal Academy, Manipal University
01.2011 - 01.2012

B.Tech -

Doaba Institute of Engg. & Tech., Kharar, Punjab Technical University
01.2006 - 01.2010

HSC - undefined

Govt. Girls Sr. Sec. School, Chandigarh, CBSE
01.2005 - 01.2006

SSC - undefined

Bhavan Vidyalaya, Panchkula, CBSE
01.2003 - 01.2004

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Etisha MilaharRegional Head- Strategic Initiatives & Trainings (COE- North Zone)