Sukrutta Desai
Head Relationship Banking
Mumbai
Summary
A strategic & dynamic position in any industry with opportunity to apply my knowledge and skills. To consistently strive towards perfection in my field through optimal utilization of my knowledge and strengths with full commitment and conviction to become a valuable asset for the organization.
I am having a record of impeccable and flawless service achievements with a vintage experience of 18 years in Branch Banking Sector and Overall, 19.5 years’ experience. Experienced professional having ample knowledge and Expertise in Branch Business and Banking Operations and Compliance, Vigilance, Focus on meeting company’s objectives and customer satisfaction. I am seeking for an opportunity in the organization to use my skills and experience to contribute to the Company to put my best experience in work and growth in my Career and Organization growth.
Overview
19
19
years of professional experience
7
7
Languages
Work History
RBH-Head Relationship Banking (AVP)
HDFC Bank Ltd
MUMBAI
07.2025 - Current
- Joined as RBH-Head Relationship Banking (AVP) at Chembur Central Avenue Branch. I took over Existing Portfolio of 650 crores in July 2025 with only 2 RMS and 4 vacant portfolios which was depleted with -ve 65 crores. Completed the team with 6 RM’s by Nov’2025 by hiring new RMs.
- With a strong experience in Sales through Service mentality, I have built a strong team and growing in all parameters. My Current portfolio size is grown to 900 crores till Feb 11,2026.
- Achievement till date: -
- Income: The portfolio has Income Target of 6.9 Cr this FY. I have achieved Income of 6.22Cr till 11/02/2026 (At the time of take over Income Achievement was 1.7 Cr).
- Liability: - The total Liability target of portfolio is incremental target of 134 crores for this FY. I have achieved up to + 96 crores till Feb 12.02.2025 and still growing, by meeting the existing customers and winning back them with fresh fund infusions which resulted in Liability growth.
- TPP Products: - Against a target of 6 Crores of Life Insurance I have achieved to 4.9 Crores of LI target achievement till Jan 2026.
- Team Growth: RMs are earning Incentives from Q2 Onwards under my guidance which was 0 at the time of me joining.
Branch Manager (DVP)
CSB Bank LTD
08.2024 - 06.2025
- Joined as Branch Manager (DVP) at Chembur Branch which is 1st branch of CSB in Mumbai.
- I was handling 54 years old branch which has Total Book size of 536 crores with staff size of 6. Ensuring CASA Book growth along with Revenue Generation along with Audit and Compliance.
- Handling HNI, Wealth customers who has TRV of more than 50 Lakhs which includes Savings, Current, school and Trust accounts. Focusing on CASA number Acquisition, CASA value growth contributing to branch book size growth.
- Achievements:
- Branch was at Book size of 36 Cr as on 31/03/24 and I had grown Branch has grown by 42 Cr as on 31/01/25.
- Acquisition of Retail TD and Bulk TD. – Branch had Retail TD book size of 102 Cr as on 31/03/24 and till now it has grown to 126 crores. I have Sourced fresh relationship of NBFC with Bulk TD of 250 Cr.
- Also, handle Asset Book of approximately 100 plus crores with growth in gold loan of 1 crore MTD since August 2024 onwards till date.
- TPP products including Life Insurance business growth – which is grown by 120 % and qualified all zonal level contests and IRP’s.
- Also ensuring the contribution towards YSL Demat account growth and revenue generation which is new product at CSB Bank.
- Gold loan is one of the core products of CSB Bank and this fin. year Branch is growing MOM by 1 crore since August 24.
Associate Vice President
Kotak Mahindra Bank
MUMBAI
02.2024 - 08.2024
- Joined as Associate Vice President in a Job role of Service Manager where in the Key responsibility is to handle the entire Service staff team of Branch. A role as a Back-up Branch Manager. Handling a Mega Branch at Powai with a book size of 1200 crores with a staff size of 20 plus.
- Key Responsibility Area: - I was handling a team of 10 staff – Training them with complete Banking Operations (includes cash transactions, remittances, customer service requests, trade forex, casa acquisition and sales through service) keeping customer satisfaction as top most priority and daily jobs are in TAT without any escalations and complaints.
- Ensure the Business generation and closures of team in all Banking products like CASA, Insurance, Assets etc., contributing to branch’s growth.
- Ensure the complete Operations like Audit and Compliance of Overall Branch is perfectly in sink.
- Ensure CARE INDEX parameters like Service Quality parameter Scores and litmus feedback of branch is on top level.
- Achievements:
- Overall productivity of service staff increased due to contribution in sales, as a SM I was ensuring that service staff were able to achieve their casa number target, TPP target.
- Branch’s CARE rating improved from 47% to 86 % in my tenure.
- 3 Times Audit rating was 5Star in my Tenure as SM.
PB Authorizer
HDFC Bank Ltd
MUMBAI
08.2015 - 12.2023
- Designation: PB Authorizer. Joined as Deputy Manager PBA in 2015 and promoted to Senior Manager in June 2021 with 8 years and plus experience.
- Key Responsibilities: Worked as PBA handling a branch of 550+cr in size. handled a team of 15 members Sales and Non sales. Mainly responsible for entire Operations of the branch along with best contribution in Sales areas also, assisting the branch growth.
- As a PBA responsible for the Entire Branch Operations, Branch Health & Hygiene Parameters, Audit & Compliance in day-today Branch Operations.
- Achievements: -
- I have handled 8 audits of all the branches were posted with Satisfactory Rating with stable operations.
- Customer processed within TAT with 0% rejections ensuring best service quality to all walk-in customers.
- All accounts are opened within TAT without any rejection. Job Role also includes all accounts opened are active and not depleted at any given point of time. Also, take care the branch sales target is met with the number of accounts account opened with good NAV sourcing.
- Efficiently handle all escalations over the counter at branch level and all kinds of complaint handling, Senior Management escalations and MD escalations within TAT with effective resolution.
- Take care of all report’s submission and MIS handling as BM designate.
- Training of all team members on all new processes and products.
- CASA growth: Initially joined as PBA in a new branch Opened on 31 March 2015 at Vashi Satra Plaza, Vashi, Navi Mumbai. I have contributed with more than 60% on CASA growth in the first year itself. Initially the branch was at 5 Cr and in first financial year branch reached at 30Cr with my contribution. Till the year 2018 June Month, the branch reached 200 crores of CASA with my effective contribution which excellent leads for 3 + years.
Backup Branch Operations Manager
ICICI Bank Ltd
04.2008 - 08.2015
- Responsibilities: Known as one man army wherein I can handle any role in the branch with enormous knowledge and experience in all areas.
- I was working as a Backup Branch Operations Manager, wherein taking charge of handling Escalations, Branch Health, Parameters like Focus, Service Quality, ensuring smooth operations of entire branch and timely submission of reports and Various MIS in absence of Branch Operations Manager were key responsibilities.
- Key Responsibility: I have handled various processes like Demat Desk NRI Desk, Main Cashier.
- CSO-Business Banking Officer which includes handling and servicing Current account customers, Privilege Banking Officer wherein responsibilities were to focus on serving the existing privileged savings and current account customers with a clear objective of enhancing the relationship value of the customers with the bank through effective mix of banking to build relationship with existing customers to convert their account into primary account. Deepening the relationship by cross selling Home Loan, Credit Card & other asset products, third party products like Insurance, Mutual Fund etc., generate references from existing customer base to enhance CASA & book building.
Sr. Quality Analyst (Auditor)
SEAMLESS CONNECTIONS (Vodafone Mumbai)
01.2007 - 04.2008
- Worked as Sr. Quality Analyst (Auditor)-where in audited the incoming calls of Vodafone Customer care.
- Handled calls of Entire south region auditing and analysing the calls on various parameters like Opening of the call, Proactiveness, willingness, language, tone and manner of the officer attending the calls.
- Auditing mainly focused on checking the solutions offered to customers and extra mile gone by the officer at the end of the call with an objective to increase the quality of the call which in turn increases the service quality of the Telecom Organization.
- Auditing also included preparations of PPT’s with Training material with Call analysis to educate and train the CSO’S.
- I was also awarded frequently with the Best quality auditor with highest no. of calls audited with 100% quality.
Education
B.Sc. - science
Skills
Channel management
Internal communications
Crisis management
Operations management
Partnership development
Corporate communications
Documentation and reporting
Operations planning
Business performance management
Interests
Reading Books, Travelling, Listening Music, Gardening
Timeline
RBH-Head Relationship Banking (AVP)
HDFC Bank Ltd
07.2025 - Current
Branch Manager (DVP)
CSB Bank LTD
08.2024 - 06.2025
Associate Vice President
Kotak Mahindra Bank
02.2024 - 08.2024
PB Authorizer
HDFC Bank Ltd
08.2015 - 12.2023
Backup Branch Operations Manager
ICICI Bank Ltd
04.2008 - 08.2015
Sr. Quality Analyst (Auditor)
SEAMLESS CONNECTIONS (Vodafone Mumbai)
01.2007 - 04.2008
B.Sc. - science
Achievements
Awarded best Customer service Officer with Gold medal consecutively for last two years by service Excellence council Assessment., Awarded as Gold Medal in the entire cluster for ensuring 100% quality service by the Cluster Branch Manager., Qualified in various National, Regional and Cluster level contest of Life Insurance, Foreign Exchange, CASA and Term Deposits.
Personal Details
- Date Of Birth: 3rd January 1981.
- Nationality: Indian.
- Sex: Female.
- Marital Status: Married
Gardening, Music, reading and learning new skills
Gardening, Music, Reading and Learning new skills .