Summary
Overview
Work History
Education
Skills
Profile Summary - Summary
Timeline
SAROJ PANDA

SAROJ PANDA

Senior Banking Professional
Patna

Summary

Operations leader with track record in driving efficiency and productivity. Known for strategic planning, process optimization, and effective resource management. Strong focus on team collaboration, adaptability, and achieving measurable results. Skilled in logistics, project management, and continuous improvement. Trusted to deliver high-quality outcomes in dynamic environments. Operations professional with strong background in streamlining processes and enhancing productivity. Skilled in leading cross-functional teams and executing strategic plans to achieve organizational goals. Known for flexibility and reliability in dynamic environments, with excellent problem-solving abilities and focus on delivering results. Experienced with operational management, process optimization, and team leadership. Utilizes strategic planning and resource allocation to drive efficiency and growth. Track record of implementing successful initiatives and fostering collaborative work environment. Experienced leader with strong background in guiding teams, managing complex projects, and achieving strategic objectives. Excels in developing efficient processes, ensuring high standards, and aligning efforts with organizational goals. Known for collaborative approach and commitment to excellence.

Overview

21
21
years of professional experience

Work History

Operation Head

IndusInd Bank
11.2021 - Current
  • Oversaw branch operations, audit and compliance, customer service, training, ATM operations, RCU activities, and back-office operations across 64 branches in Bihar and Jharkhand.
  • Oversaw operations of 300-member team.
  • Implemented strategies to enhance product penetration across financial offerings through branch collaboration.
  • Functioned as main communication link for CFD, VFD, BFIL, RBI, SLBC.
  • Oversaw risk containment processes for account openings within the region.
  • Handled customer complaints with banking Ombudsman.
  • Handled challenges in staffing, training, mentorship, leave management, deputations, transfers, and appraisals.
  • Oversaw CTS clearing cell, BMU team, account opening team, operation team, ATM team, and RCU team.
  • Handled all SLBC-related concerns.

Regional Operation Lead

Jana Small Finance Bank
06.2016 - 11.2021
  • Directed 75 team members to guarantee smooth functioning of JC operations.
  • Directed STP, Audit, and TAT processes in asset and liability sectors.
  • Facilitated communication with statutory bodies in role of Nodal Officer for Odisha branches.
  • Enhanced processes to ensure optimal customer service experience; introduced risk controls in response to increased regulations.
  • Facilitated regular communication between Retail Banking and Business Banking teams to enhance operational efficiency.
  • Reviewed KYC documentation and performed public record research.
  • Verified new procedures to align with risk management objectives.
  • Enhanced policies, procedures, and processes to optimize service quality.
  • Generated business from existing accounts to achieve profitability and sales growth.
  • Guided and evaluated team performance to achieve individual and group targets.
  • Planning and ensuring the implementation of zonal/region expansion plans, up-gradation of extension counters and Points of Service, in line with growth plan of the Bank.
  • Executed high-level banking strategies with experience-backed judgment.
  • Creating & sustaining a dynamic environment that fosters the development opportunities and motivates the high performance amongst the team members.
  • Managed expectations by informing stakeholders of all requirements and deliverables.

Head Corporate operation

Asirvad Micro Finance
09.2019 - 01.2020
  • Handling the process and compliance of the MFI operation
  • Review of circular and process notes for Pan India implementation
  • Handling of external and internal auditors
  • Being a part of the implementation Team
  • Following up with the Pan India Leaders For the closure of the operational issues And process improvement
  • Handling end to end business improvement plan

CPH Head-Kolkata

Yes Bank
11.2015 - 05.2016
  • Worked as the Unit Leader of the Account Processing Hub at Kolkata with a team of 5 employees and 3 outsourced employees. conducted the verification of the account opening forms of the branches.
  • Steered efforts in handholding the team members for the process adherence and maintaining the FTR of 98%.
  • Started the process of the Cash Hub for handling the CMS cash at one point.
  • Managed the Funding of the Accounts with the Initial Funding after Account Opening.
  • Generated MIS reports on cheque returns, deliverables like cheque books, ATM Pins and welcome kits, petty expenditure of the branch, etc.
  • Handled day-to-day activities in co-ordination with internal / external departments for smooth operations as per Know Your Customer (KYC) norms.

Zonal Processing Unit Head

IndusInd Bank
04.2011 - 10.2015
  • Worked as Location Head-Branch Monitoring Unit for Jharkhand and managed 12 branches.
  • Reviewed Branches and Back-office Operations on various parameters, data and scrutinized the operational and business health of branches of the region.
  • Performed EDD of the AML cases reported by the corporate office.
  • Conducted KYC training for the Branch's and the RPC.
  • Provided various MIS to vertical leaders by analysing the business data and the SQLS.
  • Reviewed the accounts for the Enhanced Due diligence and Customer Visits.

Regional Risk Manager

ICICI BANK
12.2006 - 03.2011
  • Led 11 branches in Bihar for the internal audit and compliance and executed the day-to-day smooth & error free functioning of the branches in respect to Branch Operations, Branch Administration, Risk management, Audit & Compliance.
  • Effectively conducted the Internal Branch Audits for the 11 branches in the regular interval.
  • Monitored & analyzed all over-aged cases (pending office accounts, Complains, FIR cases, Fraud cases etc.) & appropriate escalation of the same to the senior management.
  • Conducted the ATM audit, Branch look and feel audit and the Merchandising Audit of the branches.
  • Played a key role in closure of Audit Reports of IAD, Self-audit and Concurrent Audit with full compliance.
  • Completed EDD for the account opened and conducted regular checking of the accounts with AML reporting.

T.S.I.

UB Group, Spirit Division
08.2005 - 11.2006

T.S.I.

Luxor Writing Instrument Pvt. Ltd.
04.2004 - 07.2005

Education

PGDBM - Finance & Marketing

Institute of Management
01.2004

B.Sc. - Mathematics

NC College, Utkal University
01.2001

Skills

Financial & Strategic Planning

Profile Summary - Summary

  • Achievement Oriented Professional with extensive experience in managing cross-functional delivery in a multi-site global environment with 21 years of career success in developing & executing operational strategies to accomplish top & bottom-line profitability.
  • Presently serving as a Regional Operation Head- Bihar & Jharkhand at IndusInd Bank and managing end to end operation.
  • Conceptualized strategic and tactical plans for the branch for drawing a positive image; harmonized them with the bank's macro level plans; aligned resources in line with the branch targets and performance estimates.
  • Possess in-depth understanding of Retail/Asset/Corporate/MFI banking with comprehensive knowledge of AML, Audit, SLBC, RBI Audit and complaint Management, ATM operation and Back office operations.
  • Participating in high level business and operational initiatives, including streamlining client services processes, delivering inventive business strategies & client-focused solutions, process reengineering & improvements, turnaround management and reorganization and presentation to Senior stakeholder for implementation.
  • Spearheading & achieving branch profitability at Pan India Level, leading multiple branches across locations to outperform its profitability, customer service, quality & process targets.
  • Excellence in managing HNI Client Relationships, acquiring large corporates, setting-up client relationships across various locations; deepening the existing relationships by cross-selling and providing advisory services to corporate & high net-worth customers on funds management.
  • Dynamic & self-starter with strong will to win; possess strong planning, communication, analytical & problem-solving skills.

Timeline

Operation Head - IndusInd Bank
11.2021 - Current
Head Corporate operation - Asirvad Micro Finance
09.2019 - 01.2020
Regional Operation Lead - Jana Small Finance Bank
06.2016 - 11.2021
CPH Head-Kolkata - Yes Bank
11.2015 - 05.2016
Zonal Processing Unit Head - IndusInd Bank
04.2011 - 10.2015
Regional Risk Manager - ICICI BANK
12.2006 - 03.2011
T.S.I. - UB Group, Spirit Division
08.2005 - 11.2006
T.S.I. - Luxor Writing Instrument Pvt. Ltd.
04.2004 - 07.2005
Institute of Management - PGDBM, Finance & Marketing
NC College, Utkal University - B.Sc., Mathematics

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