Sagar S Deshpande
Associate Vice President & Branch Head
Thane,MH
Summary
As a Post Graduate in Marketing Management and Bachelor of Engineering in Computer Science, I have developed a unique skill set combining technical expertise and business acumen. For the past 10+ years, I have honed my skills in business development within The Federal Bank Ltd, where I have grown in my career and made significant contributions to the organization. My customer relationship skills in the finance and banking operations management domain have allowed me to develop a deep understanding of the industry and its challenges, while my technical background has given me the ability to leverage technology to drive business growth and innovation. I am a results-oriented professional who thrives in fast-paced environments and enjoys collaborating with teams to achieve strategic objectives. I am seeking a team lead role in a dynamic organization where I can apply my knowledge, skills, and innovative thinking to help achieve the organisation's strategic goals. I am eager to continue my personal and professional growth in an environment that values collaboration, creativity, and a results-driven approach.
Overview
15
15
years of professional experience
5
5
Certifications
1
1
Language
Work History
Associate Vice President & Branch Head
The Federal Bank
04.2025 - Current
- Portfolio Management: Orchestrating business operations for a large-format branch with a total business book of ₹400 Crores, consistently achieving year-on-year growth targets across Assets and Liabilities
- Strategic Growth: Driving CASA (Current Account Savings Account) growth and high-value term deposits through targeted acquisition of HNI, Corporate, and NRI segments.
- Credit & Risk Oversight: Managing a diverse loan portfolio; conducting rigorous credit appraisals, monitoring Asset Quality, and maintaining minimum NPA levels through proactive Early Warning Signal (EWS) tracking.
- Operational Excellence: Overseeing end-to-end branch operations, ensuring 100% adherence to RBI guidelines, KYC/AML norms, and internal audit standards.
- Team Leadership: Mentoring and leading a cross-functional team of 8 professionals, fostering a high-performance culture that exceeds cross-selling targets for third-party products (Insurance, Wealth Management).
- Digital Transformation: Leading the "Digital First" initiative by migrating 80%+ of the customer base to mobile and internet banking platforms, enhancing operational efficiency and customer experience.
Circle Business Head
The Federal Bank Ltd.
02.2019 - Current
- Build and maintain strong relationships with Government entities to generate new business mandates for the collection of revenues and payments, with the goal of driving CASA and Fee Income in Maharashtra.
- Acquire High-Value Term Deposits from Government departments, Public Sector Undertakings (PSUs), and Autonomous Bodies.
- Onboard Trusts, Associations, Societies, and Clubs (TASCs) by offering them operating accounts and various digital product bouquets, enabling them to conduct their financial transactions with ease and convenience.
- Profile: Government Business Dept.
- Promoted Internally
Relationship Manager
The Federal Bank Ltd.
12.2015 - 02.2019
- Achieve the bank's objectives in terms of income generation, assets, liabilities, credit quality, etc., as per agreed budgets/targets from client relationships across all product groups.
- Source new customers, maintain relations and build a business with mid-corporate clients (100 to 1000 Cr turnover) for corporate lending.
- Increase product penetration in the existing client base to enhance the value of the relationship.
- Handle both assets and liability business of corporate clients for the bank, manage pre-disbursement documentation and post-disbursement monitoring, and monitor the conduct of the credit accounts for Asset RMs.
- Source and develop new acquisitions to generate fee-based income.
- Maintain existing customer base and maximize book size.
- Cross-sell various banking products, such as trade finance, cash management services, treasury products, salary accounts, mutual funds, etc., to all relationships.
- Maintain a healthy and profitable book size to contribute to the overall success of the Corporate & Institutional Business Banking Department.
- Profile: Corporate Banking & Institutional Business
- Promoted Internally
Assistant Manager
The Federal Bank Ltd.
09.2011 - 12.2015
- Maintain client transactions related to buying and selling of bonds in the G-Sec & Corporate Bond Section.
- Collaborate with the Treasury Department to ensure all transactions are processed accurately and efficiently.
- Manage high-value transactions for corporate clients such as Videocon Industries, TATA Motors, etc.
- Handle customer queries and complaints related to various retail banking products, including savings accounts, current accounts, term deposits, ATM maintenance, home banking services, and deliverables dispatch.
- Ensure customer satisfaction by resolving customer escalations/complaints in a timely manner.
- Handle customer queries related to retail assets such as gold loans and overdraft facilities against gold ornaments/bullions.
- Facilitate the implementation of technology products such as mobile banking, net banking activation, POS machines implementation at shops, and E-FEE at educational institutes.
- Profile: Management Trainee
Education
Post Graduation in Marketing Management (MMS) - Marketing Management And Research
University of Mumbai
08-2011
Bachelor of Engineering - Computer Science
University of Mumbai
01-2007
Skills
- Strong relationship-building and interpersonal skills
- Sound knowledge of banking products and services
- Understanding of government regulations and policies related to banking operations
- Ability to identify and pursue new business opportunities
- Proficiency in sales and marketing strategies
Accomplishments
- Successfully acquired new mandates from government agencies resulting in an increase in CASA and Fee Income.
- Cultivated strong relationships with government officials and agencies to generate new business opportunities.
- Achieved high-value term deposit targets from government departments, PSUs, and autonomous bodies.
- Successfully onboarded Trusts, Associations, Societies, and Clubs (TASC) and offered them a range of digital banking products and services.
- Generated revenue in line with the bank's objectives, meeting agreed budgets/targets from client relationships.
- Successfully provided mid-corporate lending services to companies with a turnover of 100 to 1000 Cr.
Certification
JAITB – 2012
Personal Details
- Date of Birth: 8th July 1985
- Nationality: Indian
- Passport: G506305
- Address: Thane (W), Maharashtra
Timeline
Associate Vice President & Branch Head
The Federal Bank
04.2025 - Current
Circle Business Head
The Federal Bank Ltd.
02.2019 - Current
Relationship Manager
The Federal Bank Ltd.
12.2015 - 02.2019
Assistant Manager
The Federal Bank Ltd.
09.2011 - 12.2015
Bachelor of Engineering - Computer Science
University of Mumbai
Post Graduation in Marketing Management (MMS) - Marketing Management And Research
University of Mumbai