Monika Kathuria

Axis Bank Ltd-CBG Center Head Rohtak:

• Develop business relationships with Commercial Banking customers in the area to increase the top line, fee income and net interest income of the Bank.
• Achieve targets set for individual products like Working Capital (WC), Bank Guarantee (BG), LC (Letter of Credit), OD (Over Draft), DOD (Demand Overdraft), Trade Forex, TOD etc.
• Establish and strengthen relations with key customers to enhance credit relationships and generate sustained business.
• Identify and convert potential customers who can be sold tailored products to enhance product penetration.
• Deepen the existing relationships by cross selling liability and asset products to new and existing customers.
• Maintain a healthy portfolio and monitor the delinquency rates of the portfolio.
• Ensure optimal limit utilization by the clients.
• Monitor proposals that come up for renewal be a Part of sanctioning process including LCC.
• Interact/ Liaise with various other departments to ensure smooth delivery of credit as well as other services.
• Ensure audit related deliverables, both internal and external are met as per the prescribed norms.
• Ensure compliance with due processes and guidelines.
• Create a performance oriented environment leading to high employee motivation and productivity.
• Ensure that all staffing requirements of the center are met and adequate training is given to the staff on the products of the bank, sales processes and various policies of the bank.

• Led cross-functional teams for the successful completion of major projects, resulting in increased efficiency and client satisfaction.
• Collaborated with senior management to develop strategic initiatives and long term goals.
• Identified opportunities to improve business process flows and productivity.
• Demonstrated proficient leadership skills to motivate employees and build competent teams.

• Increased branch revenue by implementing effective sales strategies and maintaining strong customer relationships.
• Implemented innovative marketing campaigns to expand the branch''s market presence and attract new clients.
• Developed a high-performing team through targeted recruitment, training, and coaching initiatives.
• Streamlined operational processes for improved efficiency and cost reduction.
• Enhanced customer satisfaction with responsive service and timely resolution of issues.
• Maximized employee engagement through regular communication, recognition programs, and team-building activities.
• Optimized resource allocation to ensure efficient branch operations while meeting financial targets.
• Maintained accurate records of all transactions, ensuring audit compliance and data integrity.
• Set challenging performance goals for the team, fostering an achievement-oriented culture that drove success across key metrics.
• Maintained friendly and professional customer interactions.
• Complied with regulatory guidelines and requirements.
• Initiated cross-selling efforts, resulting in increased product penetration among existing customers.

• Managed and motivated employees to be productive and engaged in work.
• Accomplished multiple tasks within established timeframes.
• Maximized performance by monitoring daily activities and mentoring team members.
• Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
• Leading Pan India no 1by Successful Implementation of Pilot run by Axis Bank for Triumph for Prioirty Customers .
• Leading the Prioirty RM of Rohtak Circle and allign them to work on 360 degree to increase the ppc of the prioirty /Welath customers .
• Assist the prioirty RM'S in closing the leads of PMS Products to Wealth customers .

Successfully led the Biggest branch of the Circle as Branch head of a Retail banking branch with CASA size of 200 Crore.

Leading and motivating a team of 25 professionals including operations and sales team staff

Responsible for achievement of Branch’s business budget in terms of NOA (Include all accounts across segments and products)
▪Responsible for achieving the targets set by the Zonal office for CASA funding & Revenue Income .

▪Responsible for achieving the targets of Business Banking segments through SME loans, Business Forex Income, Bank guarantee etc.
▪Responsible for achieving the targets of Retail Assets including Home Loans, Loan Against property, Gold loan, Auto Loan, Personal loan etc and for other Cross Sell Products like Fixed deposits, Retail Forex, Credit Cards, Debit cards & Online Trading Accounts

▪Responsible for achieving the target of fee Income from Personal Investment Products including general insurance, life insurance, mutual funds etc.

• Established internal audit procedures to validate and improve accuracy of financial reporting.

• Conducted financial due diligence on potential investments and acquisitions.
• Increased branch revenue by implementing effective sales strategies and maintaining strong customer relationships.
• Implemented innovative marketing campaigns to expand the branch''s market presence and attract new clients.
• Enhanced customer satisfaction with responsive service and timely resolution of issues.
• Maximized employee engagement through regular communication, recognition programs, and team-building activities.
• Maintained friendly and professional customer interactions.
• Initiated cross-selling efforts, resulting in increased product penetration among existing customers.
• Complied with regulatory guidelines and requirements.

• Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
• Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
• Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
• Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
• Has successfully led Bahadurgarh Branch on a Trajectory of Success in terms of budget achievement during my tenure as Branchhead from Year 2015-2019
  Branch CASA books size grown from 60 Crore to 300 Crore.
• Branch Transaction Banking (Txb) Income grown to 1 Crore annually.
• Branch Income from Investment products grown from 80 Lakh to 2 Crore.
• Bahadurgarh Branch became first branch to achieve 5 Lakh General Insurance business in a single month.
• Bahadurgarh Branch became first branch to achieve 5 Crore Mutual Fund business in a single month

• Conducted regular performance reviews, identifying areas for improvement and developing action plans to address them.
• Supervised operations staff and kept employees compliant with company policies and procedures.
• Led hiring, onboarding and training of new hires to fulfill business requirements.
• Developed and implemented strategies to maximize customer satisfaction.
• Empowered employees to take ownership of their responsibilities, leading to increased accountability and improved performance outcomes.
• Increased profit by streamlining operations.
• Identified and qualified customer needs and negotiated and closed profitable projects with high success rate.
• Recruited, hired, and trained initial personnel, working to establish key internal functions and outline scope of positions for new organization.
• Achieved higher employee retention rates by fostering a positive work environment and providing opportunities for professional growth.
• Awarded by Best Operationshead in North1 in business performance and operations parmaters also