An accomplished Banking/ Operations professional with 22 year’s experience and extensive geographical as well as functional exposure. Seeking a challenging opportunity with an organization of repute
Overview
18
18
years of professional experience
3
3
Certifications
1
1
Language
Work History
Branch Manager
Kotak Mahindra Bank Ltd
04.2025 - Current
Involved in Sales part of Branch and achieved all the targets as per role.
Involved in the day-to-day functioning of the branch operations (front office & back office operations).
Responsible for process initiatives & achieving desired results while maintaining customer satisfaction & drive volumes by coordinating with the branch team.
Rendering topmost services and maintaining high standards. Handling Team of 20 Sales and Operational Staff.
Adept at handling escalation desk in the branch.
Develop client base through network, referral channels, associates, seminar marketing & other business development activities.
Ensure client retention by providing strategic investment recommendations.
MIS reporting for entire product portfolio and monitor the MIS on a daily basis with an endeavor to reduce the turnaround time (TAT) by continual improvement.
Training and resource allocation to new joinees and other employees and bringing them up to the desired level so as to ensure optimum client satisfaction.
Responsible for ensuring the quality plan and quality review of the work process.
Involved in the performance management process to enhance productivity and ensure quality– goal setting, assessment and feedback activities.
Proficiency in liaising with the external and internal customers of the bank and having excellent customer service skills.
Book Keeping and record Management of All Banking transactions which helps in Easy retrieval & Five S Management
Lead Generation and cross Selling of Various Banking Product like vise Assets as well as Liabilities Products.
(KMBL305802)
ROLE as a Branch Head
Branch Manager
Kotak Mahindra Bank Ltd
10.2023 - 04.2025
A result oriented banking professional with stronghold experience in end to end banking operations. Experience in handling migrations/transitions and new set-ups.
Competent and dedicated professional offering nearly 22 years of experience across end to end banking operations, Business Development, Finance management, Team Management, Liaison & Coordination; currently spearheading as Branch Manager (AVP)with Kotak Mahindra Bank Ltd, Sector 3, Faridabad, Hariyana – NCR & Now Current Location is Dharamshala Himachal Pradesh New Branch.
High-performing professional with experience in optimizing business operations, expansion of banking network while managing and understanding competition.
Proficient in problem solving skills and ability to organize workflow and consistently produce work of high standards.
With a history of significant profit, volume and customer satisfaction achievements, illustrates the ability to cost control, revenue growth and process improvements through effective planning, staff training and motivation.
Possesses sound business acumen in developing new business and revenue streams, customer-value maximization, customer-need identification, and preemptive business response to competitor strategy with proven management skills, budgeting and marketing new business development skills.
A stickler for quality, team builder to the core and a natural motivator with perseverance and integrity.
Possesses excellent communication skills that have been honed through interacting with people at various levels.
Handling Team of 20 team members , Achieving all assigned retail targets of CASA No, CASA Value, Trinity No, Assets- WC/BL/LAP/Auto Loan/SME/Commercial Lion/Inventory Funding/Gold Loan, Corporate Salary Accounts ,Trade Accounts, Locker Allotments. Organizing Marketing Activities with staff members.
Involvement in all operational activity of Branch –Audit /Legal Notices/Death Claims/Locker Operation/Authorization of transactions/ Handling Govt Accounts & TASC/ Recruitments of Staff.
(KMBL305802)
Working As Branch Manager
Sr.Relationship Manager (AVP)- Govt Business
Indusind Bank Ltd
06.2022 - 10.2023
A professional with over 19 years of experience in Banking Industry & Business Development.
Designated as AVP – Sr.RM in Govt Business (Since 20th July 2022) with IndusInd Bank Ltd, The Mall, Shimla, Himachal Pradesh.
Have Opened 6 NTB in last 7 Months.
Maintaining good relationship with assigned Govt Departments.
Very Good relationship with Higher Managements in Various Govt Departments in Distt Shimla, HP
Organized Brand Promotional Activities in Shimla Location.
Handling Mapped Govt Accounts Book in Distt Shimla, HP.
Have sourced Govt Account from Different Districts from Himachal Pradesh.
New Acquisition of Govt Accounts & TASC Accounts and Providing Digital Services like CSM & Payment Gateway.
Shimla Branch(IBL128065)
CAREER GROWTH
Branch Head
RBL Bank Ltd
07.2021 - 06.2022
Involved in Sales part of Branch and achieved all the targets as per role.
Involved in the day-to-day functioning of the branch operations (front office & back office operations).
Responsible for process initiatives & achieving desired results while maintaining customer satisfaction & drive volumes by coordinating with the branch team.
Rendering topmost services and maintaining high standards. Handling Team of 8 to 10 members
Adept at handling escalation desk in the branch.
Develop client base through network, referral channels, associates, seminar marketing & other business development activities.
Ensure client retention by providing strategic investment recommendations.
MIS reporting for entire product portfolio and monitor the MIS on a daily basis with an endeavor to reduce the turnaround time (TAT) by continual improvement.
Training and resource allocation to new joinees and other employees and bringing them up to the desired level so as to ensure optimum client satisfaction.
Responsible for ensuring the quality plan and quality review of the work process.
Involved in the performance management process to enhance productivity and ensure quality– goal setting, assessment and feedback activities.
Proficiency in liaising with the external and internal customers of the bank and having excellent customer service skills.
Book Keeping and record Management of All Banking transactions which helps in Easy retrieval & Five S Management
Lead Generation and cross Selling of Various Banking Product like vise Assets as well as Liabilities Products.
Have arranged presentation of Payment Gateway & CMS to Big TASC Customers detail mentioned below :
1. Pinegrove School, Kasauli, Distt Solan,HP.
2. APS Kasauli, DisttSolan, HP.
3. The Lawrence School, Sanawar, Kasauli, DisttSolan, HP.
4. L.R.CollegeSolan,HP.
5. Saloni University, Solan,HP.
6.SJVNL SHIMLA
7.HPSDC SHIMLA
8.HP Power Transmission Shimla
9.The C.D.Co-Op Credit Society Gohar ,Distt Mandi , HP
10.Baba Balak Trust Hamirpur
(Emp Code- 26822 )
ROLE as a Branch Head
Branch Manager (Senior Manager)
Kotak Mahindra Bank Ltd
04.2017 - 07.2021
Involved in Sales part of Branch and achieved all the targets as per role.
Involved in the day-to-day functioning of the branch operations (front office & back office operations).
Responsible for process initiatives & achieving desired results while maintaining customer satisfaction & drive volumes by coordinating with the branch team.
Rendering topmost services and maintaining high standards. Handling Team of 8 to 10 members
Adept at handling escalation desk in the branch.
Develop client base through network, referral channels, associates, seminar marketing & other business development activities.
Ensure client retention by providing strategic investment recommendations.
MIS reporting for entire product portfolio and monitor the MIS on a daily basis with an endeavor to reduce the turnaround time (TAT) by continual improvement.
Training and resource allocation to new joinees and other employees and bringing them up to the desired level so as to ensure optimum client satisfaction.
Responsible for ensuring the quality plan and quality review of the work process.
Involved in the performance management process to enhance productivity and ensure quality– goal setting, assessment and feedback activities.
Proficiency in liaising with the external and internal customers of the bank and having excellent customer service skills.
Book Keeping and record Management of All Banking transactions which helps in Easy retrieval & Five S Management
Lead Generation and cross Selling of Various Banking Product like vise Assets as well as Liabilities Products.
(KMBL93062)
CAREER GROWTH
Branch Manager
Fullerton India Credit Co Ltd
12.2015 - 03.2017
Managing the branch with all the branch team like Sales Team, Operational Staff, and Collection Department.
Ensuring accuracy and adherence to the RBI guidelines in Operations & sales.
Review of business plan on daily basis & take initiative to changes in work style.
Review of Operational activities of the branch on daily basis.
Achieving Branch Sales budgets in all parameters.
Achieving Operational Excellence in all operational aspects of the Branch.
Making regular sales calls with Staff members & individually with High Value Customers.
Managing the branch profitability and book size of branch growth on daily basis through catch the big customer.
Managing cross sell Business.
Responsible for Customer Services & Organizing Customer engagement functions on monthly basis for improving customer’s services through their feedback.
Arrange Training Activities for Operational and Sales Staff and all Channel Partners in the Assigned Location for various verticals to achieve their sale target without practicing any kind of wrong selling.
Taking care of all Sales & Operational activities related to audit compliance.
Doing (Big) Sales calls with Sales Team on daily basis.
Doing Customer visit with collection dept for difficult cases.
Arranging Marketing Activities (Arranging Canopies and marketing activities , visit business segments)
Have generated 4 Channel Partners in the Assigned Location.
Taking Care of Audit Part of the Branch.
Personal Involvements in file Processing Activities from Log In to Disbursal.
(Emp Code - 152727)
CAREER GROWTH
Branch Manager
HDFC Bank Ltd
09.2013 - 12.2015
Involved in Sales part of Branch and achieved all the targets as per role.
Involved in the day-to-day functioning of the branch operations (front office & back office operations).
Responsible for process initiatives & achieving desired results while maintaining customer satisfaction & drive volumes by coordinating with the branch team.
Rendering topmost services and maintaining high standards. Handling Team of 8 to 10 members
Adept at handling escalation desk in the branch.
Develop client base through network, referral channels, associates, seminar marketing & other business development activities.
Ensure client retention by providing strategic investment recommendations.
MIS reporting for entire product portfolio and monitor the MIS on a daily basis with an endeavor to reduce the turnaround time (TAT) by continual improvement.
Training and resource allocation to new joinees and other employees and bringing them up to the desired level so as to ensure optimum client satisfaction.
Responsible for ensuring the quality plan and quality review of the work process.
Involved in the performance management process to enhance productivity and ensure quality– goal setting, assessment and feedback activities.
Proficiency in liaising with the external and internal customers of the bank and having excellent customer service skills.
Book Keeping and record Management of All Banking transactions which helps in Easy retrieval & Five S Management
Lead Generation and cross Selling of Various Banking Product like vise Assets as well as Liabilities Products.
(Emp Code- M7962)
CAREER GROWTH
Branch Sales Manager (Deputy Manager)
Axis Bank Ltd
11.2011 - 09.2013
Involved in Sales part of Branch and achieved all the targets as per role.
Involved in the day-to-day functioning of the branch operations (front office & back office operations).
Responsible for process initiatives & achieving desired results while maintaining customer satisfaction & drive volumes by coordinating with the branch team.
Rendering topmost services and maintaining high standards. Handling Team of 8 to 10 members
Adept at handling escalation desk in the branch.
Develop client base through network, referral channels, associates, seminar marketing & other business development activities.
Ensure client retention by providing strategic investment recommendations.
MIS reporting for entire product portfolio and monitor the MIS on a daily basis with an endeavor to reduce the turnaround time (TAT) by continual improvement.
Training and resource allocation to new joinees and other employees and bringing them up to the desired level so as to ensure optimum client satisfaction.
Responsible for ensuring the quality plan and quality review of the work process.
Involved in the performance management process to enhance productivity and ensure quality– goal setting, assessment and feedback activities.
Proficiency in liaising with the external and internal customers of the bank and having excellent customer service skills.
Book Keeping and record Management of All Banking transactions which helps in Easy retrieval & Five S Management
Lead Generation and cross Selling of Various Banking Product like vise Assets as well as Liabilities Products.
( Emp Code- 52523 )
CAREER GROWTH
Sr.Client Relationship Partner
Yes Bank Ltd
10.2009 - 10.2011
Heading the overall Sales & Marketing in the Saving Bank, Current Accounts, Term Deposits & Third Party Products
Organized Brand Promotional Activities on the launch of Given New Branches of Mandi, Distt Mandi, H.P. & Kullu, Distt Kullu, H.P.
Handling the portfolio of new customer acquisitions for CASA. Heading a team of 6-8 sales professionals & 4 operational staff guiding them in new client acquisition for new Saving Bank Accounts, Current Accounts.
Have Opened 5 Govt Accounts in Distt Mandi and Kullu.
1. BDO Kullu.
2. ITI Kullu.
3. Forest Division Kullu Parwati Project.
4. Deputy Director Agriculture with IP of Rs 3.5 Crores.
5. Forest Division Mandi with IP of Rs 5.5 Crores.
Cross sell business for other verticals through the customer relationship like fixed deposits, Mutual Funds, Life insurance, General insurance, Business loans, and Over Draft facility.
Sourcing CMS clients which includes Dividend Mandates, Cheque Collections, Prospectus Selling Mandates, Remote DD Printing and disbursement business
Acquired versatile clients with high level of business transactions and float.
Developing more business opportunity for bank from the existing customer relationship and references.
Achieved the budget assigned to the branch.
Won Contests at Bank level.
Overachieved the CASA Value.
(Emp Code- 2169002)
CAREER GROWTH
Asstt.Relationship Manager
Ing Vysya Life Insurance Co Ltd
08.2008 - 09.2009
Pivotal in increasing the Number of Policies in given locations (Una & Mandi) from Himachal Pradesh.
Handling a team of 10-12 on roll BDE’S from two locations Una and Mandi, H.P.
Relationship management with high net worth clients and business development executive (BDE) IN Una and Mandi H.P.
Involved in Recruitment and development of (BDE) in Mandi and Una H.P.
Ensuring subordinate development and high levels of motivation in staff.
Adjudged as the one of the best (ARM) in Himachal Pradesh.
Maintain a good revenue generation through new clients.
Providing products training in different branches of the bank’s employee’s.
(Emp Code- 20700)
CAREER GROWTH
Education
MBA - Sales Marketing
National Institute of Management
Shimla
01.2010
B.Ed. - Arts
Himachal Pradesh University
Shimla
01.2004
Bachelors - Arts
Himachal Pradesh University
Shimla
01.2002
Sr. Sec. - undefined
Himachal Pradesh Board of school education
01.1998
Matriculation - undefined
Himachal Pradesh Board of school education
01.1996
Accomplishments
Achieved good operational efficiency rating for the branch in Sector 3 Faridabad Haryana and Dharamshala Himachal Pradesh.
Month-on-month achievement of budgets assigned to the branch.
Overachieved in the bank contest of CASA AND TD.
Overachieved in TPP Income ( Life Insurance ) Budget of FY 25-26.
Have Opened 4 Govt Accounts in New Location.
Certificate of Appreciation for doing outstanding performance in General Insurance in the month of Oct 2025 5th Largest Premium Collected In PAN INDIA
Have done 4 Cr Retail FD OD within 4 months of Branch Opening.
OPENED HIGHEST HIGH VALUE CURRENT ACCOUNTS IN THE CLUSTER AND NO 1 BRANCH IN CA EOP.
HAVE ACHIEVED ALL ASSIGNED BUDGETS IN NCR LOCATION OF HARYANA FROM OCT 2023 TO MARCH 2025
Achieved good operational efficiency rating for the branch
Overachieved in the bank contest of CASA No of Doctors Accounts
Have Opened Highest CA No in FY 2017-18.And Over Achievement in CA NAV.
Certificate of Appreciation for doing outstanding performance in General Insurance in the month of Dec 2017.
Have released LC of 50 Lacs from Rural Location.
Have Govt Account with IP of Rs 80 Lacs, and Total Funding of Rs 1.5 Cr Received From Govt Deptt.
Recently Disbursed LAP of 2Crores in the month of Oct 2017 (Biggest LAP In the Cluster in Rural Branch).
Recently Disbursed Working Capital of Rs8.5 Crores in JULY 2018, Biggest Case in the Cluster.
Recently Disbursed Commercial Vehicle Loan Of 8 Crores in Feb 2019, Biggest Case in the Cluster.
Have Opened500 salary Accounts of Biggest Private Company in 2018
Have provided CMS & Payment to one to the biggest Pvt Ltd Company in Parwanoo, Distt Solan , HP.
HAVE OPENED 10 CURRENT ACCOUNTS IN A MONTH OF NOV 2018
HAVE INSTALLED 50 POS (EDC TERMINALS WHICH ARE HIGHEST POS SOURCING IN CLUSTER)
OPENED HIGHEST CURRENT ACCOUNTS IN THE CLUSTER AND NO 1 BRANCH IN CA EOP.
HAVE ACHIEVED CASA VALUE, CASA NO’S, TERM DEPOSIT, TPP BUDGET IN THE MONTH OF NOV 2018.
HAVE COMPLETED BRANCH AUDIT SUCCESSFULLY IN DEC 2018.
Certificate of Appreciation for doing Highest Working Capital Disbursement in FY of 2018-19.
Certificate of Appreciation for doing Highest No of Demat Accounts in FY of 2018-19.
Certificate of Appreciation for doing Highest No of CASA No in FY of 2018-19.
Certificate of Appreciation for doing Highest CASA Value in FY of 2018-19.
Certificate of Appreciation for doing 100% Life Insurance Persistency (Premium Collection) in FY of 2018-19.
Certificate of Appreciation for qualifying in Profit Premium League in FY of 2018-19.
3rd Branch from 150 Branches Qualified for Getting Award in Mumbai from Respected Shanti Ekambaram President – Consumer Banking & Member of the Executive Board at Kotak Mahindra Bank Ltd In 2019
2 Certificates of Appreciation for doing outstanding performance in Life Insurance Business in FY of 2018-19.
Have got P5 Ratting in FY 18-19.
Certificate of Appreciation for doing outstanding performance in Life Insurance in April 2019.
Certificate of Appreciation for doing outstanding performance in General Insurance in Aug 2019 , Qualified for Rendezvous with Kotak General Insurance CEO.
Certificate of Appreciation for Becoming Lakhpati Branch in General Insurance in Sept 2019.
Disbursed LAP OF 1 Cr in May 19.
Disbursed LAP OF 2 Cr in Sept 19.
SA DEEPENING OF 6.5 Cr in Sept 19.
150 Salary Account in FY 19-20.
Obtained Good Position in CASA Contest Agni in FY 19-20.
3 Certificate of Appreciation in General Insurance YTD Achievement IN FY 20-21
PAN India 2nd Rank in YTD Service Quality Score IN FY 20-21
Achieved YTD CASA , TPP Targets in FY 20-21
Have arranged presentation of Payment Gateway & CMS to Big TASC Customers detail mentioned below :
1. Pinegrove School, Kasauli, Distt Solan, HP.
2. APS Kasauli, Distt Solan, HP.
3. The Lawrence School, Sanawar, Kasauli, Distt Solan,HP.
4. L.R.College Solan,HP.
5. Saloni University, Solan,HP.
6. Dr.Y.S.Parmar University of Horticulture in Nauni, Distt Solan,HP. And have sourced one account from its subsidiary School Named Chinmaya Vidyalaya.
Have Completed 2 Successful Audits of Branches in FY 2013-14 & 2014-15
Opened Highest No of (10) Govt Accounts in the Given Location
Opened Current Account with 10 Lacs TP in the Rural Location
Opened Big Trust Account of Durga Mata Hatkoti , Distt Shimla
Qualified Branch Staff in 2 Contests in Newly Assigned Branch and Got Appreciation Certificates for Branch Staff in July & Aug 2015.
Certificate of Appreciation for doing outstanding performance in Auto Loan in FY of 2014-15.Single Branch in the entire cluster.
Certificate of Appreciation for doing outstanding performance in General Insurance in the month of Dec 2014
Have done Infrastructure Finance of 4.5 Crores in the month of March 2015 (Biggest Loan in the Cluster in FY 2014-15)
Recently sourced LAP of 2.71 Crores in the month of JULY 2015 (Biggest LAP In the Cluster in Shimla 2).
Have sourced 330 salary Accounts of Wildcraft India PvtLtd.
Opened 15 Govt Accounts In the Given Location(SELF SOURCED).The Detail is given below :
1. Industrial Training Institute Jubbal, DisttShimla with Funding of 1.5 Cr
14. Horticulture Development Officer Dev Block, Jubbal. Distt Shimla.
15. Secretary Hateshwari Mata Trust,Hatkoti, Tehsil Jubbal, Distt Shimla-with IP Funding of 50 Lacs
16. Have opened Individual Current Account with IP Funding of 15 Lacs.
Nominated (TWO TIMES) for Leadership Profile in “Talent. Hunt @Version 2.0” “Yes Bank’s Internal Promotional Activity” for best employee IN PAN INDIA FROM Shimla Branch in April 2011 & Oct 2011.
MAINTAINING GOOD REPUTATION AND BRAND OF THE COMPANY IN THE GIVEN TERRITORY, MAINTAINING GOOD RELATIONSHIP WITH BRANCH STAFF AND CLIENTS.
RELATIONSHIP MANAGEMENT WITH HIGH NET WORTH CLIENTS.
ENSURING SUBORDINATE DEVELOPMENT AND HIGH LEVELS OF MOTIVATION IN STAFF.
MAINTAIN A GOOD REVENUE GENERATION THROUGH NEW CLIENTS
RECIPIENT OF 2ND EMPLOYEE FOR THE MONTH OF AUG 2010, AWARD FOR HIGHER PRODUCTIVITY, SUPERIOR QUALITY AND EXTRA INITIATIVES TO INCREASE BUSINESS FOR THE BRANCH.
CERTIFICATE OF APPRECIATION FOR DOING HIGHEST BUSINESS IN INVESTMENT FOR THE PERIOD OF AUG 2010 IN YES BANK, SHIMLA
CERTIFICATE OF APPRECIATION FOR DOING HIGHEST BUSINESS IN INVESTMENT FOR THE PERIOD OF OCT 2010 IN YES BANK, SHIMLA.
CERTIFICATE OF APPRECIATION FOR DOING HIGHEST FD ACQUISITION IN PAN India TOP 30 EMPLOYEES IN FEB 2011.
CERTIFICATE OF APPRECIATION FOR DOING HIGHEST NUMBER OF CURRENT ACCOUNTS (8 CURRENT ACCOUNTS) IN MARCH 2011.
Have made a new tie up’s for business growth of the company & increase the current business from current tie up’s with the present banks.
Date of birth: 25th April 1980 I am hardworking, highly motivated and always ready to take on a worthwhile challenge. I understand my responsibilities and am accountable for all the work given to me. I am always ready to help those who need me. To me all work is important. I am eager to work on the latest technologies. I am sure I will be an excellent candidate for the responsibility assigned to me. I have nothing more to add, everything to show myself. Thanking you Sincerely Yours