P K Sharma
Mumbai
Summary
Drive Bank's advancement by translating C-level directives into actionable initiatives to strategically impact in operations. Expert in stakeholder relations, channel & product management and strategic planning across business levels and segments. Proven history of success in growing scalable & sustainable business.
Forward-thinking Banker offering advanced experience in overseeing operations, driving business strategy and overhauling distribution networks. Highly proficient in business development and strategic planning resulting in consistent growth and profitability. Proven leader with track record of successful communication, client relationship building and achievement of sales goals.
Overview
21
21
years of professional experience
Work History
VICE PRESIDENT - HEAD CORPORATE CENTRE & AMINISTRATION
WEST END HOUSING FINANCE
MUMBAI
02.2022 - Current
- Maintaining and updating the governance framework
- Monitoring compliance with requirements in framework
- Coordinating governance committee and board member meetings and monitoring certain business processes
- Establishing and maintaining a record of operational procedures manuals
- Provide key information to managers, board members and committees
- Liaising with board members.
CHIEF MANAGER - NRI PRODUCT
ESAF SMALL FINANCE BANK
NAGPUR
01.2020 - 12.2022
- To enhance the NR Business & Product Portfolio at the location assigned to me .i.e
- Maharashtra, Madhya Pradesh, Jharkhand, Bihar, Delhi, Odisha, West Bengal and North East Region in a regular interval of time I design business plan, conduct market research, determining specifications and time -integrated plans for business/ product enhancement
- Drive the business through the branches under my command at the respective location .i.e
- Maharashtra, Madhya Pradesh, Jharkhand, Bihar, Delhi, Odisha, West Bengal and North East Region
- Ensure the efficient delivery to the enhanced features and providing other support/ guidance to the Regional Heads/ Cluster Heads/ & to the Branches from the standpoint of supporting PAN Bank budget achievement of NR A/c Portfolio
- Product support management in terms of marketing of Retail Liability products & support the branches to get the required collateral i.e
- AOF, Brochures, Product Specific Ready Reckoner & other related Marketing Materials
- Product Specific Analysis Report: In order to ascertain the portfolio quality & get feedback on the product proposition I conduct periodic Branch Visit to get first hand feedback from the Branch staff & customers
- And on the basis of the feedback & on the basis of information gathered during the Branch visit and data available in our bank's MIS portal I prepare Descriptive & Prescriptive Analysis & the same is being share with the respective Branch/ Unit Head
- Design, Rollout & Monitor of Product specific campaign on periodic basis to help the branches to achieve the assigned target
- Training and Knowledge Management: In my visit to the Branch, I conduct training session within the small group of Branch resource Staff, during the training I ensure to provide adequate knowledge sharing from product perspective which enable them to drive the business more efficiently to achieve the assigned goal
- Support Management: Coordinate with Marketing Dept
- Procurement Dept
- To prepare product specific marketing material
- I.e
- Arch Gate, Tent Card, Dangler & Standee and ensure onward delivery to the respective branches & Issuance of Corporate Salary Label Code to the branches across Bank & Coordinate with CPU for onward opening of Corporate Salary A/c
- In order to ascertain the portfolio quality of assigned Product i.e
- NR Product Portfolio in each month I prepare a holistic presentation which help us to understand the absolute position of the respective NR Product and help us to fix the way forward to achieve the assigned budget.
PRODUCT MANAGER - NR, SB & RETAIL REMITTANCE PRODUCT
BANDHAN BANK
HEAD OFFICE, KOLKATA
06.2016 - 12.2019
- To enhance the PAN Bank NR & Savings Account portfolio, in a regular interval of time I conduct market research, determining specifications, production timetables, pricing, and time -integrated plans for product introduction
- Obtain in principle approval from MD CEO & then prepare product specific draft PCMC Note (Product Change Management Committee) & hold a meeting with Ops
- Risk Team before submitting the final note to PCMC for onward approval of the product
- Ensure the efficient delivery to the enhanced features and providing other support/ guidance to the Regional Heads/ Cluster Heads/ & to the Branches from the standpoint of supporting PAN Bank budget achievement of NR & Savings A/c Portfolio
- Product support management in terms of marketing of Retail Liability products & support the branches to get the required collateral i.e
- AOF, Brochures, Product Specific Ready Reckoner & other related Marketing Materials
- Product Feature Review: Random selection of product variants of CASA & NR Product for assessing the delivery of their identified features during the respective month
- Product Specific Analysis Report: In order to ascertain the portfolio quality & get feedback on the product proposition I conduct periodic Branch & DSC Visit to get first hand feedback from the field staff & customers
- And on the basis of the feedback & On the basis of information gathered during our Branch/DSC visit and data available in our bank's MIS portal I prepare descriptive & prescriptive analysis & the same is being share with the respective Business Unit Head
- Design, Rollout & Monitor of Product specific campaign on periodic basis to help the branches to achieve the assigned target
- Training and Knowledge Management: In my visit to the Branch & DSC, I conduct training session within the small group of Branch resource & the DSC Staff, during the training I ensure to provide adequate knowledge sharing from product perspective which enable them to drive the business more efficiently to achieve the assigned goal
- Support Management: Coordinate with Marketing Dept
- Procurement Dept
- To prepare product specific marketing material
- I.e
- Arch Gate, Tent Card, Dangler & Standee and ensure onward delivery to the respective branches & Issuance of Corporate Salary Label Code to the branches across Bank & Coordinate with CPU for onward opening of Corporate Salary Account
- In order to ascertain the portfolio quality of Retail Liability Product in each month I prepare a holistic presentation of Retail Liability Product
- Also I Prepare a presentation of Savings Account Portfolio for Board Meeting & Executive Committee Meeting for each month.
NRI RELATIONSHIP MANAGER (RETAIL BRANCH BANKING - NRI SERVICES)
AXIS BANK
BHUBANESWAR
09.2008 - 06.2016
- Extended service to the existing High Net Worth clients of NRI Portfolio and enhancing their overall relationship with the Axis Bank
- Managed NRI customer database & updated them regularly about different promotional packages
- Responsible for Quality Lead Generation through assigned BDEs and cross selling to mapped Portfolio of the NRI Customers
- Improving and enhancing customer service initiatives through implementation of feedback
- Successfully handling escalated issues in CCRM of NRI Customers
- IPG Budget Achievement Month on Month basis
- Managed NRI Customer data base and handled customer profiling
- Acted as Relationship Manager for PBG and HNI Customers by securing premium business accounts of corporates, individuals & other liability products
- Conceptualizing & re-engineering operating process to optimize resource utilization & maximize productivity.
NRI RELATIONSHIP MANAGER (RETAIL BRANCH BANKING - NRI SERVICES)
HDFC BANK
BHUBANESWAR
03.2008 - 08.2008
- Handling 12 Branches of HFDC Bank Branch across the state, ensuring after sales support, customer service and training to the respective Branches under my command
- Handling different customer queries related to KYC, NRI Account Opening, Remit2India and FEMA regulations relating to repatriation
- Providing awareness & training to existing clients regarding online money transfer through E- transfer, tele transfer, wire transfer, card transfer& lock box facilities
- Looking after the foreign exchange transaction of the retail clients and handling of issues relating to the Encashment of currencies and travelers cheque, manage NRI customer data base and handled customer profiling
- Acted as Relationship Manager for PBG and HNI customers by securing premium business accounts of corporate, individuals & other liability products
- Conceptualizing & re-engineering operating process to optimize resource utilization & maximize productivity.
RELATIONSHIP MANAGER (RELIANCE ASSET MANAGEMENTCOMPANY)
RELIANCE AMC
BALASORE
06.2007 - 03.2008
- Handling 22 National Distributors, 50 ARN Holders & 8 Banks by giving them training & targets
- Building Relationship with distributors & educate them about various mutual fund products
- Support management to provide them brochures, MF application form & other marketing material
- Run Campaign of various product of Mutual Fund at different location under my command across the state.
NRI RELATIONSHIP OFFICIER (ICICI BANKLTD)
ICICI BANK LTD
BHUBANESWAR
06.2005 - 05.2007
- Direct business development for ICICI Bank through marketing executives and sourcing business through them and Positioning and planning of targeted sales products
- Creating market plans, Strategies & schemes to drive the sales in my segment
- Ensuring after sales support and customer service
- Team support & management pertaining to the development of business
- Handling different customer queries related to NRI account opening, KYC of NRI's
- Providing them awareness & training regarding online money transfer through E-transfer, Tele Transfer, wire transfer & card transfer
- Looking after the issues relating to the Foreign Exchange i.e
- Currencies and travelers cheque etc
- Motivate them for investment (LI, GI, Mutual Fund, Rupee Plus, NRE FD, NRO FD, FCNR and RFC) with ICICI Bank as well as educating the customers about the essential vitality of having customer satisfaction of ICICI Bank Ltd.
Education
Graduate in Arts -
FM University, Orissa
01-2004
Skills
- Channel Management
- NRI, SB & Retail Remittance Product Management
- Training and Mentoring
- Key Account Management
- Audit and Statutory Compliance
- Relationship Management
- Data Analysis & MIS Reporting
- Price Structuring
- Portfolio Management
- Process Improvement
- Contract Negotiation
- Competitor Trends
- Market Trends, Research and Analysis
- Business Growth and Marketing Strategies
- Policy and Procedure Development
- Partnerships and Affiliations
Current Location
Mumbai, Maharashtra
Preferred Location
Anywhere in India
Language Proficiency
English, Hindi, Oriya, Bengali & Punjabi
Additional Experiences
- AMFI/ NISM & IRDA Certified
- C" Certificate holder of National Cadet Crops (NCC)
- Represented ODISHA state in the prestigious Republic Day Camp
- Represented ODISHA state in the Prime Minister's Rally 2003
- Special meeting with Ex-President of India Dr. A. P.J. Abdul Kalam in the Year 2003
- District sport champion in the year1998
Personal Information
- Date of Birth: 10/10/1983
- Marital Status: Single
Timeline
VICE PRESIDENT - HEAD CORPORATE CENTRE & AMINISTRATION
WEST END HOUSING FINANCE
02.2022 - Current
CHIEF MANAGER - NRI PRODUCT
ESAF SMALL FINANCE BANK
01.2020 - 12.2022
PRODUCT MANAGER - NR, SB & RETAIL REMITTANCE PRODUCT
BANDHAN BANK
06.2016 - 12.2019
NRI RELATIONSHIP MANAGER (RETAIL BRANCH BANKING - NRI SERVICES)
AXIS BANK
09.2008 - 06.2016
NRI RELATIONSHIP MANAGER (RETAIL BRANCH BANKING - NRI SERVICES)
HDFC BANK
03.2008 - 08.2008
RELATIONSHIP MANAGER (RELIANCE ASSET MANAGEMENTCOMPANY)
RELIANCE AMC
06.2007 - 03.2008
NRI RELATIONSHIP OFFICIER (ICICI BANKLTD)
ICICI BANK LTD
06.2005 - 05.2007
Graduate in Arts -
FM University, Orissa