Sakshi Saklani
Business Banking Manager | Branch Leadership | SME & Retail Banking | Credit, Deposits & Operations
Dehrdaun
Summary
Senior banking professional with 12+ years of progressive experience in branch management, banking operations, SME and retail banking, credit portfolio management, and business growth within a large public-sector bank. Currently serving as Senior Manager and Branch Head, managing a branch with INR 180–190 crore total business. Proven expertise in deposit mobilization, advances growth, MSME outreach, cross-selling, regulatory compliance, and team leadership. Seeking management-oriented roles in the UAE banking sector such as Branch Operations Manager, Business Banking Manager, Relationship Manager – SME, or Service Delivery Manager.
Overview
12
12
years of professional experience
5
5
Certifications
Work History
Senior Manager / Branch Manager
Union Bank of India
04.2025 - Current
- Heading a semi-urban branch with INR 180–190 crore total business, including INR 160 crore deposits and INR 25 crore advances
- Responsible for end-to-end branch operations including business growth, credit portfolio management, compliance, audit readiness, and service delivery
- Lead and manage cross-functional branch teams to achieve targets in deposits, advances, CASA, cross-selling, and customer acquisition
- Plan and execute deposit mobilization, MSME outreach, financial inclusion, and credit expansion campaigns
- Oversee credit appraisal, monitoring, recovery, and portfolio quality in line with regulatory and internal risk guidelines
- Act as the primary decision-maker for branch operations, customer relationships, and stakeholder coordination
Branch Manager
Union Bank Of India
04.2022 - 03.2025
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
Credit Manager
Union Bank Of India
04.2018 - 03.2022
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Ensured timely resolution of disputed accounts, working closely with internal and external stakeholders to maintain positive customer relationships.
- Participated in internal audits to ensure adherence to corporate guidelines and regulatory requirements related to credit management activities.
Assistant Manager
Union Bank Of India
06.2014 - 03.2018
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Improved customer satisfaction by addressing and resolving complaints promptly.
- Developed strong working relationships with staff, fostering a positive work environment.
- Promoted teamwork within the workplace by encouraging collaboration among staff members on various project tasks.
Education
Master of Arts - Economics
Indira Gandhi National Open University (IGNOU)
IndiaMaster of Social Work - undefined
Indira Gandhi National Open University (IGNOU)
IndiaBachelor of Technology - Electronics & Telecommunications
College of Engineering Roorkee
Roorkee, Uttarakhand, IndiaSkills
Branch Management
Accomplishments
- Increased branch deposits by INR 60 crore through structured mobilization strategies and relationship management.
- Expanded branch advances portfolio by INR 10 crore while maintaining asset quality and risk controls.
- Reduced branch NPAs to the range of 0.2%–2.5% of total advances through proactive monitoring and recovery.
- Conceptualized and led a cluster-level MSME outreach campaign, mobilizing INR 10 crore in MSME business leads
- Disbursed INR 1.08 crore in loans under Government of India financial inclusion schemes and opened 1700 accounts during demonetization.
- Received multiple appreciation letters from Deputy Regional Head for outstanding quarter-end performance.
- Awarded Letter of Appreciation from Zonal Head for achieving the highest premium account openings.
- Recognized with trophies for best branch performance in insurance cross-selling.
- Received Certificate of Appreciation from Zonal Head for processing the highest number of personal loans for government employees.
Additional Information
- Volunteer at Neerja Goyal Charitable Trust, supporting vocational training for women and providing tuition to slum children
- Authored a book titled “The Journey Called Life”, available on Amazon and Flipkart
- Former volunteer anchor and podcast contributor with a regional media platform
Certification
Junior Associate of Indian Institute of Banking & Finance (JAIIB)
Timeline
Senior Manager / Branch Manager
Union Bank of India
04.2025 - Current
Branch Manager
Union Bank Of India
04.2022 - 03.2025
Credit Manager
Union Bank Of India
04.2018 - 03.2022
Assistant Manager
Union Bank Of India
06.2014 - 03.2018
Master of Social Work - undefined
Indira Gandhi National Open University (IGNOU)
Bachelor of Technology - Electronics & Telecommunications
College of Engineering Roorkee
Master of Arts - Economics
Indira Gandhi National Open University (IGNOU)
ADDITIONAL INFORMATION
- Experience working in regulated banking environments
- Strong stakeholder management and customer engagement skills
- Open to relocation and adaptation to UAE banking regulations and culture