Goal-oriented professional equipped with leadership skills and attention to detail to successfully manage businesses. Stays current on protocols and customer service standards to deliver exceptional support every day.
Overview
13
13
years of professional experience
Work History
Assistant Vice President
Axis Bank
Gurgaon
01.2024 - Current
Achieve and exceed targets for acquiring new MNC clients and maintaining relationships with existing clients
Develop strategies to enhance client retention and minimize churn within the MNC business segment
Conduct regular client reviews and engage in proactive communication to understand their evolving needs
Drive the growth of the MNC portfolio by cross-selling a range of banking and financial products and services
Identify opportunities for upselling and expanding the scope of services provided to MNC clients
Collaborate with product teams to introduce tailored solutions that meet the specific requirements of MNC clients
Conduct thorough risk assessments for MNC clients and ensure compliance with regulatory requirements
Implement risk mitigation strategies and monitor the portfolio for any potential credit or operational risks
Work closely with the risk management team to address and resolve any risk-related issues promptly
Meet revenue and profitability targets set for the MNC business segment
Monitor financial metrics, including revenue streams, fees, and expenses, and take corrective actions as necessary
Implement cost-effective strategies to optimize the financial performance of the MNC portfolio
Stay informed about industry trends, market conditions, and competitive landscape affecting MNC clients
Provide insights and recommendations to the management team based on market intelligence
Utilize market knowledge to identify new business opportunities and stay ahead of emerging trends
Ensure a high level of customer satisfaction by addressing client queries and concerns promptly
Conduct regular customer feedback surveys and use the insights to improve service quality
Implement initiatives to enhance the overall customer experience within the MNC business segment
Collaborate effectively with internal teams, including credit, operations, and product development, to streamline processes and deliver seamless services to MNC clients
Provide guidance and support to team members, fostering a collaborative and high-performance work environment
Ensure compliance with all regulatory requirements and internal policies in the management of MNC relationships
Conduct regular audits to monitor adherence to compliance standards and take corrective actions when necessary
Stay updated on regulatory changes affecting the MNC banking sector and implement necessary adjustments to ensure compliance.
Circle Head
Axis Bank
New Delhi
01.2021 - 12.2023
Currently managing Circle in Delhi consisting of 86 branches, with team size of 6 members with ensuring to meet Retail LRS and Trade Forex revenue budgets
Monitor, track, and evaluate associate performance based upon pre-determined KRA's
Analyzing revenue performance data to initiate revenue-boosting improvements
Coordinate and lead team meetings to disseminate company information, objectives, and client news to team members
Engage in continuous improvement activities to enhance team performance and productivity
Regular communication with external and internal customers to understand and meet their needs
Conduct competitor analysis to highlight competitor's strengths and weaknesses, uncover market trends, and identify gaps
Propagate the product, enhancing product visibility and capturing the mind share of branch staff through continuous product training and hand holding during customer calls
Interviewing and selecting potential new team members from list of candidates recommended by recruitment team
Actively participating in digital Initiatives for the products
Jointly work with product and technology team to ensure Bank's solutions to structure, execute and Implement banking solutions for clients across all products
Ensure all the transactions are executed in conformity with extant rules and guidelines
With strong emphasis on ‘execution' – liaison with branch, operations, credit, treasury, compliance, product and technology teams for smooth processing of transactions
Amicable resolution of customer concerns and service requirements
Building and channel management of consultants - Chartered Accountants, Education consultants to generate revenue for the Bank
Skill enhancement and capacity building on regular basis across the branches.
Regional Head Sales
ICICI Bank
New Delhi
04.2018 - 12.2020
Managed a team to achieve revenue for the given region with utmost customer delight
Evaluated team members' individual performance to provide positive feedback and take appropriate corrective action
Implemented mentoring programs to bring new staff up to speed quickly
Oversaw day-to-day operations and special projects in fast-paced work environments
Forecasted expected demands and created plans to accomplish objectives within set budgets
Onboard customers on banks digital platforms with working closely with product and technology team to ensure seamless execution
Served customers with - bills for Collections, Bank Guarantees, Letter of Credits, Treasury products, Capital account transactions as per requirements
Sourced & grant of credit limit to customers including LCBD, ECB, Term Loan, WCDL,LC, BG, Forwards, OD, CC, Packing Credit, bills discounting, etc
Resourcing, training, channel management, customer retention activities, setting up sales, distribution processes & controls
Guiding the team in understanding about Banking, Trade Finance requirement and trade flow of the prospective & existing customers and training them in trade, trade finance, hedging and lending related aspects.
Product Manager
ICICI Bank
Mumbai
09.2016 - 03.2018
Establish goals and provide direction required to design, develop, and deliver technology solutions and supporting processes
Work alongside leaders, stakeholders, and project managers to achieve product successes in line with stated objectives
Translate product roadmap into well-defined product requirements, user stories, and acceptance criteria
Conceptualize Innovative products leading to overall revenue generation of Retail forex services covering LRS Outward remittances, Inward remittances & Fx cards
Initiatives to create service delight to Cross border trade customers leading to increase in revenue
Preparing BRS and performing UAT with technology and business team for high impact product solutions like - Finacle, Trade Online I GRS, Trade One View
Product solutions for export/import transactions, cash advance against trade receivables, Invoice discounting, post credit/pre credit shipment finance, fixed deposits backed lending products
Structuring transactions on a case by case requirement Collation and subsequent analysis of data across the country
Understanding and tracking market trends and competition monitoring
Provide technical and best practice trade finance advice to sales force
Maintain on-going commitment to learning and self-development - including Industry specifics such as UCP / technology as well as broader knowledge
Liaise with various support functions such as Technology, Risk, Credit, legal, taxation and compliance to ensure adherence to regulations in designing trade products and solutions
Liaise with operations team to ensure seamless execution of processes
Co-ordinate with Technology to implement new solution on a regular basis
Training and coaching of sales and service managers on Trade Finance products and processes.
Relationship Manager
ICICI Bank
NCR
12.2013 - 09.2016
Managed portfolio of new and existing business banking customers with annual revenues
Created opportunities for partners and small business solutions for customers to meet demand
Developed targeted acquisition plans to guide week-to-week activities for branch staff
Generated and tracked leads, built connections, and converted prospects into customers with high success rates
Used networking abilities and established community relationships to elevate business profile
Prepared presentations and reports for management to aid in key financial planning and decision-making
Worked with internal partners to analyze, evaluate, and develop tailored relationship strategies for each client or prospect
Reviewed customer needs and allocated assets to engage with customers and meet current requirements
Met regularly with customers to enhance relationships and look for new business opportunities
Evaluated product penetration for assigned client base and identified potential customers for tailored product solutions
Monitored customer financial performance and industry trends to determine credit exposure risks and pricing requirements
Used CRM system to track client activity, produce reports, and manage pipeline
Assessed risk of different business decisions to help achieve results and uphold firms' reputation without significant negative impacts
Led and coordinated client-facing credit support and treasury management activities
Originate and work with product teams as necessary to structure, execute and implement banking solutions for clients across all products
Maintain high quality, profitable and broad-based relationships with the existing client base and grow the Book
Ensuring the regulatory health of portfolio by reducing trade regulatory outstanding items
Periodic monitoring of client transaction patterns and report any irregular spike or slowdown in client transactions
To increase the penetration of assets business in the portfolio of customers Recommended banking products and services to members based on individual requirements
Employed marketing tools to reach out to customers on proactive schedule and set appointments for periodic financial reviews
Used consultative sales process and financial needs assessment to build customer profiles and create customized solutions
Demonstrated self-service options available via ATM locations and online, helping customers to exploit valuable and convenient transaction opportunities
Processed and managed member accounts for saving, and Investment needs
Collaborated across departments to process investment, mortgage, and insurance documentation
Connected regularly with existing customer base to cross-sell available products and developed presentations to engage potential customers in bank offerings
Tracked changing retail consumer and small business products to offer each customer optimized solutions
Applied internal policies on risk management to guide customer interactions, client selections, and new patron acquisition efforts
Helped customers understand available services and select best bank product, such as deposit account or investment strategy.
Education
MBA - Marketing & Finance
ICFAI Business School
04.2011
BBA - Marketing
Birla Institute of Technology
01.2009
XIIth -
Springdales School
01.2006
Xth -
Springdales School
01.2004
Skills
Customer relationship management
Business development
Consultative selling
Fintech & Retail Forex
Cross Border Payments
Regulatory compliance monitoring
Teamwork
Task prioritization
Accomplishments
Awarded in Axis Bank for in for the exceptional performances in the FY 21-22 & H1 FY'22
Awarded for Performance in Q4'2021
Awarded Executive Director's Award in Sept ‘2019 in ICICI Bank. Nominated for ‘Economic Times Young Leader Program' for 2016-17 Awarded for Star Award for 2014-15
Awarded as the Silver Star employee in appreciation to work in in May 2012 in HDFC Bank