RAJAT AGGARWAL
Experienced Banker E-commerce Specialist
Saharanpur,U.P.
If you really look closely, most overnight successes took a long time.
Steve Jobs
Overview
13
13
years of professional experience
5
5
years of post-secondary education
Work History
Founder & E-Commerce Entrepreneur
Self-Employed
Saharanpur, India
10.2020 - Current
- Founded and manage a successful online retail business achieving consistent seven-figure annual turnover.
- Oversee end-to-end operations including procurement, inventory, logistics, and financial management while maintaining full compliance with e-commerce and tax regulations.
- Manage customer interactions, returns, and order fulfilment across Amazon India, FirstCry.com, and Flipkart, ensuring high satisfaction and repeat business.
- Collaborate with vendors and courier partners to optimise delivery timelines and cost efficiency.
- Established a successful business by identifying market needs and developing innovative solutions.
- Delivered exceptional customer service by addressing client concerns promptly and effectively resolving issues.
Deputy Branch Manager (Operations Manager)
IndusInd Bank Ltd
Saharanpur, India
02.2018 - 09.2020
- Led branch operations including account servicing, cash management, and daily transaction oversight.
- Ensured full compliance with regulatory and audit requirements, consistently maintaining high audit ratings.
- Supervised branch staff, delegated operational responsibilities, and fostered a culture of accuracy and service excellence.
- Managed daily operations to ensure smooth functioning of the branch and timely completion of tasks.
- Conducted regular audits of branch operations to identify areas for improvement and implement corrective actions.
Personal Banker - Sales
HDFC Bank Ltd
Saharanpur, India
06.2016 - 02.2018
- Served as the primary relationship manager for individual and SME clients, managing deposits, loans, and investment portfolios.
- Consistently achieved sales and service targets while ensuring full compliance and precise documentation.
- Delivered customer-focused solutions through proactive engagement and needs-based product recommendations.
- Boosted sales of bank products through effective cross-selling and up-selling techniques.
- Cross-sold bank products and services to meet customer needs and provide options.
- Improved customer satisfaction by providing personalized banking solutions and exceptional service.
Senior Executive - Cheque Clearing Head
Shivalik Small Finance Bank (formerly Shivalik Mercantile Co-operative Bank)
Saharanpur, India
07.2014 - 05.2016
- Oversaw cheque-clearing and reconciliation processes across six branches, ensuring accuracy and compliance with RBI guidelines.
- Coordinated with clearing houses and auditors to maintain timely and error-free transactions.
- Streamlined operations, reducing processing time and strengthening audit outcomes.
- Enhanced customer satisfaction by streamlining communication channels and improving response times.
Assistant Manager (Grade I)
ICICI Bank Ltd
Patna, India
08.2012 - 06.2014
- Managed new-account openings, customer onboarding, and branch operations with strong adherence to KYC and compliance standards.
- Ensured efficient daily processing of transactions, documentation accuracy, and audit readiness.
- Built lasting client relationships through professionalism and service excellence.
- Improved customer satisfaction by addressing and resolving complaints promptly.
- Supervised day-to-day operations to meet performance, quality and service expectations.
Summary
Results-driven Banking Operations & E-commerce Specialist with 13+
years’ experience spanning retail banking, compliance, and digital
commerce management. Achieved 100% audit compliance for two
consecutive years and scaled an e-commerce brand to seven-figure
turnover. Skilled at optimizing processes and driving measurable
outcomes across global environments. Combines disciplined banking
expertise with entrepreneurial agility to drive efficiency, regulatory
excellence, and customer satisfaction within global, people-focused
organisations.
Education
Bachelor of Science - Industrial Microbiology
07.2006 - 05.2009
Studied core principles of microbiology, bioprocessing, and industrial applications of biotechnology. Developed strong analytical, research, and documentation skills, along with a disciplined approach to quality control and compliance — foundations that continue to support my attention to detail and process orientation in banking and business operations.
Master of Science - Biotechnology
09.2009 - 07.2011
Completed postgraduate studies in biotechnology covering molecular and industrial processes, bioinformatics, and research methodology. Developed analytical and technical competencies that strengthened my structured and detail-oriented work approach.
Post Graduate Diploma in Banking And Finances - Banking And Finances
11.2011 - 08.2012
Comprehensive program covering retail and corporate banking, financial management, credit analysis, and regulatory compliance. Developed strong understanding of core banking systems, customer relationship management, and risk assessment — forming the foundation for a successful career in the financial sector.
- Elected CR ( Class Representative ) for one semester.
Skills
Team leadership
undefinedWork Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Languages
English
Advanced (C1)
Hindi
Bilingual or Proficient (C2)
Accomplishments
Featured in *Business Outreach Magazine* – “Top 40 Under 40”
Recognized for entrepreneurial excellence and leadership as the founder of famous toy brand - *Wow Toys- Delivering Joys of Life*, highlighted for creating a safe, eco-friendly toy brand built on ethical business values and innovative product design.
The article titled “The Mastermind Behind the Inception of Wow Toys” celebrated my journey from a successful banking career to building one of India’s promising toy brands, earning nationwide attention for business growth and customer trust.
Interests
Photography
Cricket
Timeline
Founder & E-Commerce Entrepreneur - Self-Employed
10.2020 - Current
Deputy Branch Manager (Operations Manager) - IndusInd Bank Ltd
02.2018 - 09.2020
Personal Banker - Sales - HDFC Bank Ltd
06.2016 - 02.2018
Senior Executive - Cheque Clearing Head - Shivalik Small Finance Bank (formerly Shivalik Mercantile Co-operative Bank)
07.2014 - 05.2016
Assistant Manager (Grade I) - ICICI Bank Ltd
08.2012 - 06.2014
Manipal University - Post Graduate Diploma in Banking And Finances, Banking And Finances
11.2011 - 08.2012
Suresh Gyan Vihar University - Master of Science, Biotechnology
09.2009 - 07.2011
Panjab University - Bachelor of Science, Industrial Microbiology
07.2006 - 05.2009