K NANDI
Product Manager
Bengaluru
Summary
~ PRODUCT MANAGEMENT PROFESSIONAL ~ With over 12+ years of experience & knowledge in: - Product Management - Process Management -Business Strategy -Training & development - Sales -Channel Development KEY RESULT AREAS Product Management: The most important support function for business on ground. This is achieved by understanding the requirements -both from a product perspective as well as from a process perspective. Products perspective improvement encapsulates various roles and responsibilities of which one is new product development which addresses the need of the bank at par with the industry benchmarking. It is also related to development of existing products to add features, benefits and changes as per the current regulatory norms, if any.
Overview
12
12
years of professional experience
6
6
years of post-secondary education
1
1
Language
Work History
Product Manager
Ujjivan SFB
Bangalore
08.2022 - Current
- Launched two new Current Accounts -Business Maxima and Business Privilege to target premium/HNI segments
- Https://www.ujjivansfb.in/maxima-current-account.html https://www.ujjivansfb.in/privilege-current-account.html
- Solely handling products which include QR, CMS, POS, Payment Gateway, in addition to all Current Accounts related actions which enable the sales team on ground.
- Steps taken totally in line with profitability and overall growth by syncing with cross functional teams which include- legal, compliance, risk, operational risk, marketing, digital banking, vigilance, deliverables, finance, IT, phone banking and strategy
- Regular training of staffs for all products to keep them apprised.
- Arranging RnR, managing MIS
Regional Head Sales
ICICI Bank Ltd
Bangalore
04.2018 - 08.2022
- Retail Banking)
- Key Deliverables: Handling Liability products (Current and Savings account ) for the biggest region in Karnataka - Responsible for assigned business and productivity targets for Current and Savings Accounts through Outbound channels, and also responsible for cross sell targets for insurance, home loans, personal loans and car loans as well as maintaining profitability parameters like fee income, ROI etc
- Drive business through channels & other avenues
- Create and drive alternative channels for sales for all products- liabilities, third party products and asset products by focusing on affluent clients
- Cracking Start Up relationships through various modes- by developing strategic acquisition plans, using MCA leads, , cultivate deep associations and build expertise on their business
- Amplifying the relationships with the founders, understand their exclusive requirements and then present a bouquet of solutions
- Achieving business revenue sand targets by using a pipeline method
- Mentor and guide the sales team of 10 sales managers and 40 sales officers to meet the organisational requirements
- Making recommendations for enhancing product features to ensure acceptability and profitability– right fit for right customers
- Recommend modifications / enablement to current product and processes to improve the sales efficiency
- Managing book worth 800 crores and growing
- Enhanced focus on assets like Home loan, auto loan and personal loan which gives higher profitability through PF and income through interest
- 41 % y-o-y book growth, with highest increase in share of wealth accounts, Pan India
- Added 750 HNI clientele
- Highest fee achievement in the zone, maximum in terms of absolute figures, best overall region performance (2019-20) and best in terms of products sold
- Nil compliance and regulatory issues
- No non adherence cases for the entire FY 2019-20, FY 20-21 and FY 21-22 ( till date )
- Highest increase in market share for any region in Karnataka, highest NII owing to significant accounts and deposit mobilization
- Ensure highest levels of employee relationship, motivation & engagement to drive results & high level of employee satisfaction
- Ensuring the goals, PMP discussions, development plan discussions, ongoing coaching and feedback are done on time and in an effective manner.
Branch Manager
ICICI Bank Ltd
Bangalore
04.2014 - 04.2018
- Cross-sell targets with focus on P&L management and sales insights- acquisition increased from 35+ corporates to 275 corporate clienteles in 2 years
- Products included accounts, Trade and Forex, Loans (Car, Personal and Home Loans), OD/CC, Life and General Insurances and NRI Services for 9 years and counting
- Supervised branch operations and audit with excellence
- Transformed a branch with loss of 14 lacs to profit of 1.03 crores in 2 years
- Incremental growth of 135 cr in book size in 3 years, one of the best in the zone.
Assistant Manager
ICICI Bank Ltd
Bangalore
04.2011 - 03.2014
- Deliverables:
- In addition to doing sales and meeting revenue targets, handled critical customer issues related to processes
- 135% revenue targets and 100% focus score achieved
- Creating and sustaining an environment that fosters development opportunity, mentoring and motivating high performance amongst team members, proper people management, key accounts management, sales and marketing along with business development
- Best Privilege Banker, awarded multiple times across sales and service categories- consistently for 3 years
- Highest revenue earner, best product sold performer and immaculate grip on banking operations , ,ensured 0 escalations and high focus scores.
Education
B Tech - Computer Science
Siliguri Institute of Technology
Siliguri 06.2004 - 05.2008
MBA - Finance
Christ University
Bengaluru 05.2009 - 03.2011
Skills
Research and trend analysis
Timeline
Product Manager
Ujjivan SFB
08.2022 - Current
Regional Head Sales
ICICI Bank Ltd
04.2018 - 08.2022
Branch Manager
ICICI Bank Ltd
04.2014 - 04.2018
Assistant Manager
ICICI Bank Ltd
04.2011 - 03.2014
MBA - Finance
Christ University
05.2009 - 03.2011
B Tech - Computer Science
Siliguri Institute of Technology
06.2004 - 05.2008
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