Summary
Work History
Education
Skills
Preference
Timeline
Generic
GAUTAM IYER

GAUTAM IYER

Banking Professional
Mumbai

Summary

Pragmatic banking professional with 21+ years of experience in leadership roles. Adept at implementing strategic business plans, driving growth and improving operations. Skilled in financial management and stakeholder relations. Collaborative and dedicated to building and leading talented and motivated individuals.


The experience is across Geography Management, Program Management, Channel Management, Strategy, Assets, Retail & Wealth Management and Media. Excellence in establishing a robust credit process; ensuring smooth operations of credit operations; monitoring the portfolio repayment status on a monthly basis along with detailed analysis.


Provided leadership to the team in identifying & focusing on appropriate market segments through analysis of key requirements for different market segments and product positioning to meet client requirements.

Work History

Sr. VP & Circle Head Retail Branch Banking

HDFC Bank Ltd
1 2024 - Current
  • Responsible for driving growth across Businesses across Region
  • Lead book size of Rs 20,000 Cr, which includes Rs 13,000 Cr of deposits and Rs 7,000Cr of advances, ensuring effective asset and liability management.
  • Oversee branch network of 50 Plus and total banking touchpoints of 210 plus, expanding bank's presence and enhancing customer accessibility.
  • Manage team of over 450 plus staff, providing strong leadership, fostering collaborative work environment, and driving employee engagement and development.
  • Achieve an annual insurance business of Rs 79 crores, consisting of Rs 68 crores in life insurance and Rs 11 crores in health & non health insurance.
  • Achievement of annual total income targets through strategic initiatives, effective risk management, and revenue optimization. Maintain CI Ratio of less than 30%
  • Develop and execute business strategies to drive growth, increase market share, and maximize profitability.
  • Cultivate strong relationships with key stakeholders, including regulators, industry partners, and corporate clients.
  • Champion innovation and digital transformation, leveraging technology to enhance operational efficiency and deliver superior customer experiences.
  • Ensure compliance with regulatory requirements, maintain high ethical standards, and manage risk effectively.

Sr. VP & Zonal Head Corporate Salary – Mumbai

HDFC Bank Ltd
4 2024 - 12.2023
  • Managing a book size of INR 22,000 Cr & approx
  • 1200 Crs
  • Of Retail Assets across 257 branches
  • Leading a team of 2 KCM Heads, 3 NAMs, 3 CSRM Heads, 3 Acquisition Heads, 1 GIB Salary Acquisition Head, and 5 Operations Heads
  • Overseeing the corporate salary portfolio, including Defence & Government
  • Promoting digital acquisition methods and leveraging technology
  • Driving top & bottom line numbers and managing top 25 key corporates in the region
  • Facilitating business promotions, market intelligence, and sales strategies to grow market and wallet share
  • Additional responsibility for managing CSC & VLE business in the region.



VP & Zonal Head Corporate Salary – West -2

HDFC Bank Ltd
  • Managed a book size of INR 10,000 Cr & approx
  • 750 Cr of Retail Assets across 457 branches
  • Led a team of 2 CSRM Heads, 2 KCM Heads, 2 Acquisition Heads, 1 GIB Salary Acquisition Head, and 2 Operations Heads
  • Achieved 2x book growth in 2 years.

Regional Head Corporate Salary - North 1

Axis Bank Ltd.
  • Managed a book size upward of INR 7500 Cr & approx
  • 500 Cr of Retail Assets, 40 Cr of Fee
  • Led team of 5 Area Heads, 2 Operations Heads, 3 New Mandate CSMs, 16 Sales CSMs, 25 Relationship CSMs, 300 Sales Executives, and 12 Operations Executives
  • Managed the Top & Bottom Line Numbers for salary portfolio of the region
  • Managed Top 30 Key Corporate of Region
  • Driving teams for Acquisition, Relationship, Value Building & Cross Sell.

DVP & Head - Transaction Banking, Punjab Circle

Axis Bank Ltd.
  • Book Size: Rs
  • 3500 crores of CASA, Fee Income of 60 crores & 343 branches
  • Delivering services across Operating Accounts, Trade Finance, Cash Management, Forex Services, Treasury & Risk Management, Online Banking Investment Management and Advisory Services
  • Directing entire sales process with effective account planning and penetration strategy; capturing new business & flows from ecosystem of clients
  • Evaluating & managing risks to ensure adherence to the bank's risk framework and industry regulations
  • Conducting annual risk & control self-assessment & monitoring Key Risk Indicators (KRIs) & root cause analysis of the loss incidents
  • Thematic studies to identify vulnerabilities & implement controls to mitigate the same
  • Identifying operational risks & adequacy of controls during new product/ process approval stage
  • Directing current accounts business including Cash Management Solutions, Trade and Forex (Sales, Service & Products)
  • Steering Resource Productivity, Local Campaign Management, Business Compliance & Channel Management
  • Collaborating with key business stakeholders – Cluster Heads, Branch Heads, Branch Operations Heads, Branch Sales Managers, Transaction Banking RMs, Customer Services Channel and Sales Channel, spread across Punjab Circle.

DVP & Head - Transaction Banking, Lucknow Circle

Axis Bank Ltd.
  • Book Size: Rs
  • 3100 crores of CASA, Fee Income of 39 Crores & 127 Branches
  • Contributed as Profit Centre Head for corporate & institutional business with a contribution of 42% in circle’s profitability
  • Led current accounts business including cash management solutions, trade and forex (sales, service & products)
  • Handheld branch resources productivity through business meets, customer calls, trainings/ workshops and business calls to gain mindshare for business segment – Transaction Banking
  • Liaised with business verticals such as corporate group, financial institutions group, government business for float and fees; supervised cross-sell through SME and retail assets.

Head Business Banking, Lucknow Circle

Axis Bank Ltd.
  • Led Business Banking division, focusing on Current Account and CMS Business growth in Uttar Pradesh
  • Achieved a 3x increase in Current Account book value over 3 years, from 550 Cr to 1800 Cr
  • Successfully grew CA/CMS fee by 5x, from 10 Cr to 50 Cr in 3 years.

Branch Head - Azamgarh Branch

Axis Bank Ltd.
  • Led a team for liability and wealth management product development
  • Increased book size by 200% to Rs.50 Cr of CASA & profitability of Rs.1.25 Cr.

Manager, Current Accounts Group, UP & Uttarakhand - Region Business Banking Desk

Axis Bank Ltd.
  • Engaged in current accounts acquisition and balance build up for branches in UP & UK for Float
  • Generated fee through CMS & sale of fee-based products.

Head Sales – UP & Uttarakhand

Yes Bank Ltd.
  • Contributed in starting the bank’s retail banking operations in UP & Uttaranchal
  • Managed routine banking operations & implemented various policies, procedures, regulatory guidelines and ensured compliance
  • Conducted feasibility analysis of the market and identified potential business in the catchments.

Branch Business Leader

Yes Bank Ltd.
  • Managed Bareilly cluster in addition to being a Branch Business Leader
  • Contributed in starting the bank’s retail banking operations in UP & Uttaranchal
  • Managed routine banking operations & implemented various policies, procedures, regulatory guidelines and ensured compliance
  • Conducted feasibility analysis of the market and identified potential business in the catchments.

Area Head Liabilities & Solution Manager

ICICI Bank Ltd.
  • Managed relationship of corporate clients such as Small & Medium Enterprises group
  • Rendered service to corporate clients and devised customized solutions for the corporate clients in terms of their working capital requirement
  • Managed cross-selling of Retail Banking products to the corporate clients like salary accounts, bonds and the entire gamut of HNI offerings.

Personal Financial Consultant

ABN AMRO Bank N.V.

Education

MBA - Finance & Marketing

Jaipuria Institute of Management, Lucknow

B.Com. - Commerce & Economics

G.S. College of Commerce & Economics, Jabalpur

Skills

Retail Banking Credit/ Operations

Preference

  • Location Preference: Tier 1 & Tier 2 cities
  • Industry Preference: Banking/Fintech/ NBFC & Bancassurance

Timeline

Sr. VP & Circle Head Retail Branch Banking

HDFC Bank Ltd
1 2024 - Current

Sr. VP & Zonal Head Corporate Salary – Mumbai

HDFC Bank Ltd
4 2024 - 12.2023

VP & Zonal Head Corporate Salary – West -2

HDFC Bank Ltd

Regional Head Corporate Salary - North 1

Axis Bank Ltd.

DVP & Head - Transaction Banking, Punjab Circle

Axis Bank Ltd.

DVP & Head - Transaction Banking, Lucknow Circle

Axis Bank Ltd.

Head Business Banking, Lucknow Circle

Axis Bank Ltd.

Branch Head - Azamgarh Branch

Axis Bank Ltd.

Manager, Current Accounts Group, UP & Uttarakhand - Region Business Banking Desk

Axis Bank Ltd.

Head Sales – UP & Uttarakhand

Yes Bank Ltd.

Branch Business Leader

Yes Bank Ltd.

Area Head Liabilities & Solution Manager

ICICI Bank Ltd.

Personal Financial Consultant

ABN AMRO Bank N.V.

MBA - Finance & Marketing

Jaipuria Institute of Management, Lucknow

B.Com. - Commerce & Economics

G.S. College of Commerce & Economics, Jabalpur
GAUTAM IYERBanking Professional