KUNWAR PRIYESH

Key Digital Journey & Platform Delivered

Led the design, development, testing, and successful rollout of multiple strategic digital onboarding and process transformation initiatives, including:

Private Limited Company Digital Onboarding Journey – Developed an end-to-end digital onboarding journey to streamline account opening for Private Limited entities, enhancing customer experience and operational efficiency.
Business Rule Engine (BRE) for Proprietorship Onboarding – Conceptualized and implemented a risk-based onboarding framework to strengthen customer due diligence, improve risk controls, and enable faster onboarding decisions.
CKYC Integration – Led integration of Central KYC (CKYC) services within the onboarding platform, enabling automated customer data retrieval, reducing manual intervention, and improving straight-through processing.
Digital API Integration Framework – Drove integration of multiple internal and external APIs to enhance onboarding journeys, improve data validation, and create a seamless digital customer experience.

Product Strategy, Development & Delivery

• Spearheaded end-to-end digital product lifecycle management for Branch Banking initiatives, from concept formulation and requirement gathering to deployment and post-launch optimization.
• Partnered with business stakeholders to identify operational challenges and customer pain points, translating strategic objectives into comprehensive Concept Notes, Business Requirement Documents (BRDs), and Functional Requirement Specifications (FRS).
• Acted as the primary liaison between Business, Technology, Operations, and Compliance teams, ensuring alignment of product requirements with organizational goals and regulatory standards.
• Developed detailed process flows, user journeys, use cases, and functional specifications to facilitate seamless execution by technology teams.
• Designed and validated product wireframes, prototypes, and user experience flows using Figma, enabling effective stakeholder visualization and accelerating decision-making.
• Collaborated closely with engineering, solution architecture, and integration teams to drive application development, ensuring robust API integrations and interoperability across enterprise platforms.
• Led Agile product delivery by managing requirement clarifications, sprint reviews, stakeholder feedback, and change requests throughout the development lifecycle.

Testing, Implementation & Governance

• Directed User Acceptance Testing (UAT) and Controlled User Group (CUG) testing activities, including test strategy, scenario creation, defect management, and production-readiness validation.
• Ensured successful application deployment and go-live execution through structured release management, risk assessment, and stakeholder coordination.
• Established governance mechanisms to monitor project milestones, implementation risks, issue resolution, and delivery timelines.

Adoption, Optimization & Continuous Improvement

• Drove digital adoption and business value realization through stakeholder engagement, branch enablement programs, training initiatives, and performance tracking.
• Monitored product performance, customer behavior, and operational metrics to identify enhancement opportunities and support data-driven decision-making.
• Managed post-implementation reviews and product enhancement roadmaps, prioritizing change requests and feature upgrades to continuously improve customer experience and operational efficiency.

• Exceeded P&L goals through strategic implementation and performance monitoring.
• Enhanced sales performance to align with revenue objectives and product mix.
• Analyzed financial statements, loan applications, and credit reports to determine customer eligibility.
• Established relationships with corporate clients to identify and pursue new business opportunities.
• Initiated sales campaigns that increased deposits and diversified loan product offerings.
• Managed team members, maximizing performance to drive branch profitability.
• Conducted regular performance appraisals using verbal feedback and written reviews.

• Heading Vashi Branch with Total Book Size of Rs
• 1100 Crores
• Own and monitor branch P&L and ensure that the branch delivers as per agreed P&L budget
• Monitor & oversee Branch operations for smooth & efficient functioning
• Be accountable for Branch ratings including Internal & statutory Audits
• Allocate & Manage resources efficiently to achieve targets across all parameters
• Maximize sales performance to achieve the sales target & recommended product mix of the Branch for Insurance, Mutual Fund, Fixed Deposits, Assets etc
• Ensure effective Relationship Management by monitoring the movement of the top customers of the branch, Minimize value and number attrition of the top quarterly of customers
• Effect strategies to acquire more such clients
• Device strategies to counter competition and maximise market share in the Catchment area of the branch by below the line activities and promotions.

• Assessed creditworthiness of customers when extending lines of credit or negotiating payment terms.
• Reviewed customer credit applications and supporting documents to determine creditworthiness of customers.
• Reviewed financial statements, tax returns, credit reports, legal documents and other information pertinent to the underwriting process.
• Provided advice on credit management and risk assessment matters.
• Reviewed customer credit applications to ensure accuracy of information provided and compliance with the Bank's underwriting policies.
• Coordinated with other departments such as Loan Administration and Credit Risk Management during the underwriting process.
• Analyzed loan files and reviewed client income, assets and credit to verify compliance to specific underwriting criteria and input new loans into designated software.

• Assessed loan requests for accuracy, completeness and conformance with established lending guidelines.
• Determined appropriate loan terms based on borrower's creditworthiness.
• Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
• Performed due diligence on new applicants by verifying income, assets and liabilities through public records or third-party sources.
• Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
• Monitored existing portfolios for compliance with credit policies and exposure limits.
• Utilized financial models to forecast future earnings and determine the feasibility of loan requests.

• To ensure new business development through referrals & Cold Calling.