Gaurav Kumar
Gurgaon
Summary
Results-driven Business Operations and Project Management professional with over 20 years of experience across Banking, Financial Inclusion, Government-to-Citizen (G2C) services, Distributor Network Management, KYC, CPV, Gold Loans, Insurance, Technical Support, and Loan Recovery. Proven track record of leading large-scale operations for public and private sector banks, managing teams of over 100 employees at headquarters and 500+ field personnel to drive operational excellence, business growth, and customer satisfaction.
Demonstrated expertise in planning and executing Mobile Banking, Kiosk Banking, and Micro ATM initiatives, with extensive experience in Aadhaar Enabled Payment Systems (AEPS), financial inclusion programs, and branchless banking models. Skilled in stakeholder management, process optimisation, regulatory compliance, vendor management, and performance-driven team leadership. Recognized for delivering sustainable business outcomes, improving operational efficiency, and successfully implementing high-impact banking and digital financial service projects.
Overview
21
21
years of professional experience
Work History
General Manager (FI Head)
BLS e-Services Pvt. Ltd.
Gurgaon
07.2025 - Current
- Established 7,000 NextGen Business Correspondent (BC) points, referred to as 'Rutail' (Rural-Retail), for major public sector banks, including Indian Bank, State Bank of India, and others.
- Established 7,000 NextGen Business Correspondent (BC) points, referred to as 'Rutail' (Rural-Retail), for several prominent public sector banks as a core team member.
- Oversaw ongoing projects and daily operations across India, collaborating with all departments to lead a field team of 600.
- Overseeing all ongoing projects and daily operations across India, in collaboration with all departments.
- Planned projects and managed deliverables while handling compliance and escalations at both client and field levels in accordance with the established agreement.
- This encompasses capacity building for the internal team to effectively address and fulfill business requirements and deliverables within designated timeframes.
- Cultivated relationships with banks to secure documentation, clearance certificates, and approvals for operational initiation, while managing the support ticketing system.
- Risk reduction is paramount. This involves conducting process walkthroughs to uncover key gaps and performing cause analysis, followed by the diligent implementation of controls to address identified issues.
Senior Project Manager
Manipal Business Solutions Pvt. Ltd.
Gurgaon
06.2018 - 06.2025
- I successfully established more than 200 Customer Service Points within a single year under the auspices of Indian Bank, resulting in the highest revenue generated within the organization during that period, in areas that previously had no business.
- Successfully established 800 plus e-Mitra points within 1 year.
- Set up 2500 NextGen BC points named 'Rutail' (Rural-Retail) for several esteemed public sector banks as a core team member.
- BCBO points establishment (AXIS & ICICI) Bank.
- Under KYC project completed 80,000 KYC.
- Sourced gold loans by collaborating with business facilitators and field agents.
- Planned projects, managed compliance, and escalated issues at client and field levels in accordance with agreements.
- Obtained documents, clearance certificates, and approvals from banks and internal team heads to initiate operations across all locations and managed support ticketing system team.
- Enhanced products and processes to improve efficiency and customer satisfaction.
- Managed capacity building and training initiatives to enhance team skills and performance.
- To ensure Operations/Business driving (Allocation of Target along with timely review and follow-up to meet the given target) and ensure profit delivery from the given projects (Bank wise).
- Interface with the business/ops for rigorous follow-up for the implementation of the recommendation/action plans and providing support for the same.
- Identified improvement areas and cost-saving opportunities, performed process walkthroughs to pinpoint key gaps and risks, conducted cause analysis, and implemented controls accordingly.
- Taking care of Bihar, Jharkhand, Rajasthan, Tamil Nadu and Kerala on-going all projects.
- This initiative involves key institutions including Indian Bank (formerly Allahabad Bank), State Bank of India, RMGB (SBI-RRB), UCO Bank, Canara Bank, and Central Bank of India.
- Additionally, it encompasses partnerships with ICICI under PMJDY, IDV, and BCBO, as well as Axis Bank under PMJDY and BCBO.
- The effort extends to entities like e-Mitra and RGAVP (Rajasthan Grameen Aajeevika Vikas Parishad) in Rajasthan, along with various Regional Rural Banks (RRBs) across India.
- To maintain a good rapport with the Banks.
Assistant Project Manager
HCL InfoTech Ltd
Noida
09.2011 - 05.2018
- Managed end-to-end project planning, operations, and technical support for Bank of Baroda and Central Bank of India.
- Established 4400 Plus CSP points under CBI (Pan India) including 3 RRBs UBGB, SKGB & VKGB).
- Cultivated client relationships at head office, zonal, and regional levels, enhancing customer satisfaction.
- Managed partners, franchisees, and vendors, and formulated the annual and quarterly calendar for effective implementation of service deliverables and operations management across specified locations.
- Fostered team spirit to implement and monitor change management processes, improving team collaboration.
- Conducted business and data analysis to monitor project progress and ensure effective profit delivery.
- Measured and confirmed stakeholder satisfaction periodically.
- Implementation of Micro ATMs and RuPay card Facilities for Central Bank of India FI beneficiaries through Kiosk/PoS/HHT/Micro ATM business model Project transition and closure of matured project.
- Monitoring of TMK (Terminal Master Key), Firmware installation in allotted PIN PADs (Micro ATMs), and KCV (Key Check Value) injection in PIN PAD at Regional/Zonal office level for respective machines (Kiosk/PoS/HHT/Micro ATM) to enable RuPay card transactions.
Project Executive
Crompton GREAVES (EPD DIVISION)
Gurgaon
08.2009 - 04.2011
- Managed JVVNL, Jaipur Project, overseeing erection, testing, and commissioning of 11kV (RMU) ring main unit in Jaipur City and Circle, ensuring efficient billing collection.
- Developed detailed project documentation, including scope of work, project schedules, and financial reports.
- Monitored staff performance and developed improvement plans.
- Coordinated multi-disciplinary project teams, facilitating communication and resource allocation for timely project completion.
Project Coordinator Customer
Crompton Greaves, Godrej & Boyce Mfg
Indore
04.2005 - 07.2009
- Completed turnkey project for renovation of 100 33/11kV grid substations for MP State Electricity Board, enhancing operational capabilities in Indore City and Ujjain O&M circle.
- Developed detailed project documentation, including scope of work, project schedules, and financial reports.
- Monitored staff performance and developed improvement plans.
- Coordinated multi-disciplinary project teams, facilitating communication and resource allocation for timely project completion.
Education
B.Tech - Electrical
Rajeev Gandhi University
BhopalHigh School -
Model Higher Secondary
Jabalpur, MP, IndiaSkills
- Banking & Financial Services
- Business Development
- Sales & Target Achievement
- B2C and G2C sales
- Gold loan sourcing
- Service Activation & Operations
- Operations management
- Project management
- Risk assessment
- MIS Reporting & Documentation
- Data analysis
- Budget planning and forecasting
- Financial analysis
- Revenue growth
- Capacity building
- Process improvement
- Compliance management
- Vendor management
- Market analysis
- Business administration
- Business networking
- Organisational structuring
- Strategic visioning
- Performance driving
- Project budgeting
- Team Coordination
- Team Leadership
- Leadership development
- Leadership excellence
- Communication & Negotiation
- Negotiation
- Problem Resolution
- Escalation handling
- Client Support & Retention
- Client relationship management
- Client relations
- Quality control standards understanding
- Time-management
- Decision making
- Decision-Making authority
- Team building
- Value Added Services (VAS)
- Customer relationship management
- Performance driving
- Financial analysis
- Time-management
- Decision making
- Team Leadership
- Customer relationship management
Accomplishments
- Achieved an enrollment rate of 138% for PMSBY and 102% for PMJJBY in Bihar.
- Successfully completed 70k KYC through in-house network.
- 20 Cr. Gold sourcing from Rajasthan.
- Recognized for exemplary performance in Tamil Nadu for achieving a 100% submission rate of PVR.
Custom Section
- English
- Hindi
Personal Information
- Father's Name: Dr. D.C Kumar
- Mother's Name: Mrs. Indu Kumar
- Place of birth: Jabalpur, Madhya Pradesh
Timeline
General Manager (FI Head)
BLS e-Services Pvt. Ltd.
07.2025 - Current
Senior Project Manager
Manipal Business Solutions Pvt. Ltd.
06.2018 - 06.2025
Assistant Project Manager
HCL InfoTech Ltd
09.2011 - 05.2018
Project Executive
Crompton GREAVES (EPD DIVISION)
08.2009 - 04.2011
Project Coordinator Customer
Crompton Greaves, Godrej & Boyce Mfg
04.2005 - 07.2009
B.Tech - Electrical
Rajeev Gandhi University
High School -
Model Higher Secondary