Niraj Kumar
Patna
Summary
My objective is to drive business growth, optimize financial and non-financial transactions, and enhance revenue generation, profitability, and cost management. I aim to achieve this by: - Developing business strategies to contribute to the company's growth - Ensuring seamless transactions at branch and regional levels - Focusing on customer acquisition and retention Implementing effective profit and cost management practices I'm committed to making a positive impact and driving success for the company.
Overview
13
13
years of professional experience
2
2
Certification
Work History
Manager-Digital Auto Loan
Axis Bank
07.2023 - Current
- Currently Handing Auto Loans through Digital Channel in Pan India.
- Lead a team of L1 & L2 application support engineers, handling customer and channel partner interactions.
- Provide UAT/SIT environment support for Wheels products (MLP/BYOD) projects and SCRs, as well as production bug fixes.
- Conduct second-level analysis of production issues, coordinating with application vendors to resolve issues within defined TATs.
- Maintain and document test cases for application bugs.
- Prepare and maintain IT-related documents and sales business reports.
- Drive digital transformation by developing and implementing operational and business processes.
- A Sales & Marketing Professional with more than 10 years of experience in Channel management across Branch banking, Mortgage Loans. Currently Handing Auto Loans through Digital Channel in Pan India.
- Key Responsibilities: 1. Team Management: Lead L1 & L2 application support teams. 2. Customer Interaction: Handle customer and channel partner interactions. 3. UAT/SIT Support: Provide support for Wheels products (MLP/BYOD) projects and SCRs. 4. Production Support: Fix production bugs and conduct second-level analysis. 5. Vendor Coordination: Coordinate with application vendors for issue resolution. 6. Documentation: Maintain test cases, IT documents, and sales business reports. 7. Digital Transformation: Develop and implement digital operations and business processes.
- Developed and implemented strategic initiatives to enhance customer satisfaction and retention rates.
- Led team in achieving operational excellence through process optimization and workflow improvements.
- Mentored junior staff, fostering skill development and promoting a collaborative work environment.
- Analyzed market trends to inform product offerings and drive competitive advantage for the bank.
- Streamlined reporting processes, increasing accuracy and reducing turnaround time for financial statements.
- Collaborated with cross-functional teams to align business objectives with organizational goals effectively.
- Managed risk assessment protocols to ensure compliance with regulatory standards and internal policies.
- Directed resource allocation strategies to maximize operational efficiency across multiple branches.
- Managed and motivated employees to be productive and engaged in work.
- Accomplished multiple tasks within established timeframes.
- Maintained professional, organized, and safe environment for employees and patrons.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
- Developed and maintained relationships with customers and suppliers through account development.
Deputy Manager Grade 2
ICICI Bank
06.2022 - 07.2025
- Spearheaded a 300 Cr+ mortgage portfolio with 20 Cr+ in average monthly disbursals.
- Directed sales operations across 20 branches, managing 25 ROs, 2 TLs, and 1 RM.
- Key focus areas included: HL, LAP, OD, LRD, Life & General Insurance products.
- Ensured portfolio growth, operational efficiency, and compliance with regulatory norms.
Relationship Manager - Privilege Banking Branch Banking
ICICI Bank
06.2017 - 06.2022
- Managed a 10 Cr+ Current Account portfolio, delivering strong revenue and fee income performance.
- Consistently met business KPIs across CASA, retail loans, and cross-sell of wealth products.
- Ensured adherence to compliance protocols, branch audits, and cash handling standards.
Sales Officer - Branch Banking
ICICI Bank
01.2013 - 01.2015
- Acquired NTB customers to drive daily CASA and liability growth.
- Delivered business targets across FD, LI, GI, and Gold Loans.
- Contributed to sustained YoY growth through proactive client engagement and product penetration.
- Best sales officer in pan India.
- Best privilege bankers in pan India.
Education
B.Sc - undefined
Jai Prakash Vishwavidyalaya
07.2023
undefined
02.2026
Skills
- Banking
- Accounts Payable
- Accounting
- Branch Reconciliation
- Party Reconciliation
- Financial Sector
- Foreign Exchange
- Mortgage
- Personal Banking
- Insurance
- Finance
- Sales
- Bank Loan
Certification
IRDA
Accomplishments
- Best sales officer in pan India
- Best privilege bankers in pan India
Languages
Hindi
English
Total Work Experience
12 Years 0 Month
Personal Information
- Title: Manager-Digital Auto Loan
- Nationality: Indian
Timeline
Manager-Digital Auto Loan
Axis Bank
07.2023 - Current
Deputy Manager Grade 2
ICICI Bank
06.2022 - 07.2025
Relationship Manager - Privilege Banking Branch Banking
ICICI Bank
06.2017 - 06.2022
Sales Officer - Branch Banking
ICICI Bank
01.2013 - 01.2015
B.Sc - undefined
Jai Prakash Vishwavidyalaya