Rajiv Kumar Saxena
Banking / Financial Analytics
Mumbai
Summary
Banking and finance leader with 35+ years of distinguished service at Punjab National Bank, spanning credit appraisal, structured finance, foreign exchange, HRD, policy formulation, and product development. Currently serving as Chief Manager & Branch Head, I have led high-value credit assessments, structured financing deals, and ensured compliance with regulatory frameworks. I bring a unique blend of transaction execution expertise and data-driven decision-making, leveraging financial modelling, Power BI dashboards, Advanced Excel (VBA/Macros), and AI tools to automate reporting and enhance strategic insights. Recognised for mentorship, disciplined execution, and product innovation, I am now channeling my expertise into specialised products and financial analytics, bridging traditional banking wisdom with modern analytical power.
Overview
36
36
years of professional experience
Work History
Chief Manager & Branch Head
Punjab National Bank
11.2017 - Current
- Spearhead end-to-end branch operations, managing credit, compliance, HRD, and customer engagement.
- Conduct credit appraisals and risk assessments for high-value corporate and retail clients.
- Structure financing solutions and prepare policy frameworks and product innovations.
- Oversee loan documentation, KYC processes, and compliance adherence.
- Initiated automation of financial documentation using Excel VBA and Power BI dashboards.
- Mentor and train staff on credit processes, compliance, and digital transformation.
Training & Development Lead
Internal Banking Academy
02.1990 - 10.2025
- Designed and delivered training programs on credit appraisal, compliance, and financial documentation.
- Developed custom Excel VBA tools for institutional reporting and risk analysis.
- Conducted workshops on data literacy and digital transformation.
- Developed and implemented comprehensive training programs, enhancing employee performance and supporting organizational growth initiatives.
- Led cross-functional workshops to improve skill sets, fostering collaboration and knowledge sharing among diverse teams.
- Evaluated training effectiveness through feedback and assessments, ensuring alignment with business objectives and continuous improvement.
- Mentored junior training staff, cultivating talent and enhancing the overall capability of the training and development team.
Branch Head / Branch Incharge
Punjab National Bank
02.1990 - 11.2017
- Managed both asset and liability portfolios, ensuring compliance with regulatory frameworks.
- Drove customer acquisition, relationship management, and operational efficiency.
- Led credit structuring, due diligence, and documentation for diverse financing deals.
Education
No Degree - Financial Accounting
INDIAN INSTITUTE OF BANKING AND FINANCE
Delhi, India 04.2001 -
Master of Commerce (M.Com) - Financial Accounting
Himachal Pradesh University
Delhi, India01.1993
Bachelor of Commerce (B.Com) - Commerce
University of Delhi
Delhi, India01.1990
Skills
Deal Structuring & Execution (Term Sheets, Loan Documentation, Due Diligence)
Accomplishments
- Successfully led credit appraisal and structuring of high-value financing deals with disciplined compliance.
- Designed automation frameworks that reduced reporting time by 40%.
- Recognised for mentoring and developing next-generation banking professionals.
- Spearheaded policy and product innovations that improved branch profitability and compliance standards.
Timeline
Chief Manager & Branch Head
Punjab National Bank
11.2017 - Current
No Degree - Financial Accounting
INDIAN INSTITUTE OF BANKING AND FINANCE
04.2001 -
Training & Development Lead
Internal Banking Academy
02.1990 - 10.2025
Branch Head / Branch Incharge
Punjab National Bank
02.1990 - 11.2017
Master of Commerce (M.Com) - Financial Accounting
Himachal Pradesh University
Bachelor of Commerce (B.Com) - Commerce
University of Delhi