RAJ GARG

Leading Business Planning for Retail Trade and Forex (RTFX) Division, managing strategic initiatives, innovation, and customer experience optimization. Key responsibilities include:

• Business Strategy & Enablement: Designing and implementing strategic business plans, identifying new revenue streams, and forming impactful business partnerships.
• Performance Management: Enhancing efficiency through advanced MIS tools, scorecards, and resource productivity tracking for over 1,000 Trade Specialists generating revenue exceeding ₹4,000 Crores.
• Innovation & Market Development: Introducing new internal processes, exploring untapped market segments, and improving customer journey frameworks.
• Sales Process Optimization: Developing and monitoring sales workflows to ensure scalability and operational excellence.
• Competitive Analysis: Conducting market research and competition analysis to improve market share and drive growth.

Managed and scaled operations across 14 branches in Faridkot and Ludhiana districts of Punjab. Key contributions include:

• Achieved consistent top-10 rankings as Cluster Head (PAN India) through strategic business development, team capability building, and market expansion.
• Delivered growth in CASA, assets, third-party products, and cross-sell opportunities, increasing market share in key geographies.
• Championed Best-in-Class Customer Experience, maintaining high service quality standards.
• Oversaw a ₹5,000 Crore portfolio while fostering a highly motivated and productive team culture.
• Ensured compliance with audit and regulatory requirements while maintaining top-tier service quality metrics.

Spearheaded operations for high-performing branches, delivering both financial and service excellence. Key responsibilities included:

• Achieved business targets across multiple products, including CASA, TPP, assets, and retail forex.
• Led new branch profitability and ensured efficient break-even timelines while maintaining stringent compliance with audit guidelines and regulatory frameworks.
• Enhanced service quality through proactive complaint management and customer-centric operations.
• Built and mentored high-performing teams, fostering leadership and skill development.
• Headed largest Industrial branches (Ludhiana Millerganj, Sunder Nagar, Focal Point and SURU branch, Amargarh)

• Managed end-to-end branch operations, including customer service, audit, and compliance.
• Ensured excellence in service delivery and operational efficiency to drive business growth.