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
Business Banking
SME Banking
Retail Banking
Relationship Management
Credit Appraisal
Credit Monitoring
Portfolio Management
Deposit Mobilization
CASA Growth
MSME Lending
Operations 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