Shripad S Chate
BFSI Industry
Pune
Summary
Dynamic banking professional with extensive leadership experience in Retail Agri, Branch Operations, Customer Service, Compliance, Retail Sales, and large team management. Proven track record in driving business growth, corporate sales, financial forecasting, and risk mitigation as the state head for Maharashtra. Expertise in portfolio management, business relationship management, and investment banking has enabled successful oversight of diverse branches and teams. Recognized for exceptional communication skills and a strong ability to analyze transactional data, ensuring compliance and fostering lasting relationships with customers and stakeholders.
Overview
20
20
years of professional experience
Work History
Dy. Vice President and State Head
HDFC Bank
12.2022 - Current
- Responsible for managing and growing the retail Agri-banking business within a state, and for sales management and revenue generation within the cluster.
- Provide quality leadership, encouragement, and guidance to all assigned personnel, while ensuring that clients receive superior client service quality.
- Responsible for generating business for various retail AGRI banking products, such as KGC, AIF, working capital, and cross sales, including savings and current accounts, mutual funds, fixed deposits, shares, etc.
- Managing customer-centric banking operations, forwarding customer instructions to the department concerned, and ensuring customer satisfaction by achieving delivery and service quality norms.
- Taking various initiatives to increase customer penetration from allotted villages within a 50 KM span of SURU branches, and developing relationships with key decision-makers in target organizations for business development.
- Coordinating with senior management to develop market-specific retail Agri banking strategies and goals with accountability for achieving results.
- Ensuring timely and effective development of all employees including coaching and counseling to meet goals, PLP, maintained high morale across the geo through partnering with Human Resources.
- Coordinating with senior management to develop market-specific retail banking strategies and goals with accountability for achieving results. Promoting a positive corporate culture through branch visits, attendance at branch meetings, and constant communication with all members.
- Collaborate with other departments, professionals to ensure high-quality customer service. Advise customers on financial services (e.g. lines of credit and mortgages) Cross-sell products and services.
- Achievements/Tasks
- Led cross-functional teams for the successful completion of major projects, resulting in increased efficiency and client satisfaction.
- Identified opportunities to improve business process flows and productivity.
- Cultivated strong relationships with key stakeholders, including customers, vendors, regulators, and community leaders to promote collaboration and long-term success.
- Demonstrated proficient leadership skills to motivate employees and build competent teams.
- Ensured regulatory compliance at all times by implementing robust internal controls systems coupled with proactive monitoring mechanisms.
- Championed talent development programs, promoting employee engagement and retention while enhancing overall workforce capabilities.
- Provided strong leadership to enhance team productivity and morale.
- Conducted performance evaluations, compensations and hiring to maintain appropriate staffing requirements.
Sr. Manager- FCU
Axis Bank Ltd
04.2022 - 12.2023
- Building an interface with key stakeholders and building a review mechanism for trends observed in order to plug loose ends.
- Training for the FCU, developing training content for existing and new members, and conducting training for relevant members.
- Update the health code for relevant cases.
- Background verification checks for all staff and non-staff qualifying as per HR norms.
- Provide reporting inputs to the fraud reporting team for progress on the recovery of large-value frauds.
- Training police staff on compliance and new fraud trends.
- Vendor management for projects: BGV.
- Upload of fraud health – Code for qualifying accounts.
- FCU process and platform building.
- Information to management on the progress of BGV.
- Collaborated closely with peers from other departments to drive organizational success jointly as one cohesive unit.
- Achieved operational excellence by streamlining processes and implementing best practices.
- Evaluated vendor offerings critically to select the most appropriate partners for delivering desired results at optimal costs.
Sr. Manager- Sales & productivity manager
Axis Bank Ltd
07.2017 - 12.2021
- Responsible for upgrading the skill sets of the FOS – ASL sales team in the region, while closely monitoring them. Business productivity matrix, i.e., logins, disb, defined productivity.
- I am instrumental in developing ASL-RO performance at the regional level. And continues to support the function. Regular business reviews, conference calls, feedback, and architect to align manpower alignment productize region-wise.
- Liaison with the CO team, product team, and functional manager, as well as leaders within the bank, to ascertain functional training for the ASL-FOS team, as per the bank's goals and direction.
- Design a robust communication strategy for L&D to work closely with internal policymakers and functional teams for delivery.
- Collate the training needs analysis for functional, behavioral, leadership, and other areas across the ASL team.
- Deliver the training program independently. Keep abreast of market-based practices on L&D and develop a holistic approach toward the L&D framework designed through a blend of non-conventional modes of training, such as external workshops, seminars, etc.
- Drive the new hire orientation and new employee assimilation program to ensure a seamless joining experience for employees.
- Designed a training calendar based on the employee development plan, and ensured timely publication and adherence to the training calendar for all RA centers across ROMG.
- Identify, select, and manage external training and accreditation bodies, agencies, and providers necessary to deliver required training to appropriate standards.
- Ensure all learning activities and materials meet relevant organizational and statutory policies, employment, and equality laws.
- Devise creative and innovative ways of learning, and evaluate the learning effectiveness outcomes.
- Supervising a team of 20 RO SO (On-Roll ASL Staff) with 2 TLS.
- Managing retail sales assets for the home loan product at the PCMC location, which is a growing area for urban residential and affordable housing.
- Accountable for managing open market business expansion for the new RAC of Axis Bank.
- Played a key role in building A, B, and C Builder portfolio for the newly opened RAC.
- Accountable for compliance and service delivery standards for all key accounts.
- Conceiving and developing a strategic business with long-term business strategy and planning, development of products, processes, organizational structure, credit and risk management policies, and business and manpower planning.
- Creating lean and efficient, straight-through, low-cost processes for efficient delivery, resulting in a high level of customer satisfaction and low TAT.
- Maintaining healthy business relations with key builders in the PCMC vicinity, channel partners, and ensuring maximum business penetration for Axis Bank home loans.
- Reviewed and analyzed reports, records and directives to obtain data required for planning department activities.
- Provided strong leadership to enhance team productivity and morale.
- Implemented and developed operational standards, policies and procedures.
Branch Manager
HDB Financials
09.2016 - 06.2017
- Coordinated with all audits, statutory audits, and ensured that the audits were completed smoothly. Maintain cordial relationships with the department. Computed differential duty liability correctly. Submitted e-returns as per department instructions.
- Developed a new module, and ensured statutory compliance and adequate controls. Every month, stock reconciliation is conducted with the costing department for finished goods. Analysis of new requirements and processes to implement correctly.
- Managed the Elite Client portfolio across various consumer loans, and was responsible for offering an enchanting service experience to clients across the desk.
- Managed resources and staff, developed and attained sales goals, delivered customer service, and grew the location's revenues. Locate areas of improvement, and propose corrective actions that meet challenges and leverage growth opportunities.
- Provided training, coaching, development, and motivation for bank personnel, developing forecasts, financial objectives, and business plans. Bring out the best of the branch's personnel by providing training, coaching, development, and motivation.
- Share knowledge with other branches and headquarters on effective practices, competitive intelligence, business opportunities, and needs. Address customer and employee satisfaction issues promptly.
- Achievements/Tasks
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
AVP and Branch Manager
IndusInd bank ltd
09.2014 - 04.2016
- Supervising a team of 10 RO (On-Roll Staff) with BSM, 2 CMSs, and 1 SRM. 1 Ops head, and 2 tellers.
- We, as the Wardha Rd branch, are topping the chart in the Nagpur Region in fees revenue for PFC. achievement.
- Branch PFC target for FY 14/15-26 lacks vs. Achievement 60.37 lacks, which is almost 232%.
- Current account balance sheet as of May 12th: 1.12 Cr. When I took over, it was at 1.17 lakh. A book is stagnant for the branch.
- As of March 31st, the fixed deposit balance for the Wardha Road, Nagpur branch was 2.94 crore when I took over the branch in September; at that time, fixed deposits were 1.03 crore.
- PFC tgt - 8.57 vs 2.94 (34%).
- Branch profitability has achieved 62 lakhs, as it was negative since my joining.
- Branch breaks even in just 13 months. I have made it possible to break even in just six months.
- Managing banking operations at a branch, along with 1 off-site ATM and overall branch revenue.
- Accountable for compliance, service delivery standards, internal account reconciliation, cash management, and branch administration.
- Conceiving and developing a strategic business with long-term business strategy and planning, development of products, processes, organizational structure, credit and risk management policies, and business and manpower planning.
- Tasks/Achievements
- Developed and maintained strong relationships with clients, resulting in increased business opportunities.
- Increased revenue by developing targeted sales strategies tailored to specific customer segments.
- Oversaw talent acquisition efforts, selecting top candidates who contributed significantly to organizational success.
- Enhanced team productivity by providing training and mentorship to junior staff members.
- Held monthly meetings to create business plans and workshops to drive successful business.
- Boosted team member productivity by enhancing performance monitoring and instituting motivational approaches.
Territory Manager- ROMG
Kotak Securities LTD
06.2007 - 09.2014
- Growth Path:
- MM'07 - MM'09 Assistant Manager / KAM - Pune.
- MM'09 - MM'10 Deputy Manager / Cluster Manager - ROM
- MM'10-MM'12 Manager/Cluster Manager - ROM
- MM'12 - MM'14: Senior Manager / Territory Manager - ROM & GOA
- Since April 2014: AVP, Territory Manager, ROM, and GOA.
- Tasks/Achievements
- Creating lean and efficient, straight-through, low-cost processes for efficient delivery, resulting in a high level of customer satisfaction and low TAT.
- Holding accountability for the rest of Maharashtra and Goa (ROMG), including the bank broking business tie-up for Kotak Bank, IndusInd Bank, and ING Vysya Bank Ltd, for a 3-in-1 e-broking account with 40 KAMs and 4 cluster managers.
- Developed strong relationships with key decision-makers, fostering trust and loyalty in the assigned territory.
- Optimized sales pipeline management through diligent follow-ups on leads, resulting in higher conversion rates across the territory.
- Achieved sales goals and service targets by cultivating and securing new customer relationships.
- Trained and mentored sales representatives in sales techniques and strategies.
- Analyzed sales data to identify areas for territory improvement and implemented strategies to maximize sales growth.
- Implemented successful sales strategies to drive revenue growth and exceed quarterly quotas consistently.
- Expanded territory coverage by strategically identifying and targeting high-potential accounts.
- Managed a diverse portfolio of accounts within the territory, adeptly balancing resource allocation and prioritization to maximize overall business success.
- Led team to exceed sales targets, fostering competitive yet collaborative team environment that encouraged innovation and persistence.
Management Trainee
ICICI Pru Life
04.2006 - 03.2007
- Educated clients on a wide range of topics including retirement planning, college savings strategies, estate planning considerations, and more.
- Increased portfolio performance for clients by developing customized investment plans based on individual risk tolerance and goals.
- Improved client financial strategies by conducting comprehensive assessments and recommending tailored solutions.
- Assisted clients in achieving their financial objectives with sound wealth management advice and personalized planning.
- Developed new business opportunities by networking, attending industry events, and delivering exceptional service to existing clients.
- Managed client relationships, ensuring satisfaction through regular communication and proactive problemsolving.
- Discussed financial options with clients and provided informed suggestions.
- Developed and maintained strong knowledge of multiple products and varying levels of benefits within each product.
Education
MBA - Marketing
Indira School of Business Management
Pune 04.2001 -
B.COM - B.COM
GS College of Commerce & Eco
Nagpur 04.2001 -
Skills
Financial reporting
Portfolio Management
Project Management
Team leadership
Strategic business development
Clients Handling
Strategic planning
Customer Service
Timeline
Dy. Vice President and State Head
HDFC Bank
12.2022 - Current
Sr. Manager- FCU
Axis Bank Ltd
04.2022 - 12.2023
Sr. Manager- Sales & productivity manager
Axis Bank Ltd
07.2017 - 12.2021
Branch Manager
HDB Financials
09.2016 - 06.2017
AVP and Branch Manager
IndusInd bank ltd
09.2014 - 04.2016
Territory Manager- ROMG
Kotak Securities LTD
06.2007 - 09.2014
Management Trainee
ICICI Pru Life
04.2006 - 03.2007
MBA - Marketing
Indira School of Business Management
04.2001 -
B.COM - B.COM
GS College of Commerce & Eco
04.2001 -