Finacle 10
SUMIT BAJPAI
Banking And Finance
Lucknow
Summary
Dynamic banking operations professional with over 15 years of experience in end-to-end management of assets and liabilities. Expertise in balancing risk with profitability while optimizing centralized back-end processes to enhance operational efficiency. Committed to leveraging deep technical knowledge and strong leadership skills to drive organizational success and achieve long-term financial objectives. Seeking to contribute to an institution that fosters a winning culture grounded in integrity and innovation.
Overview
19
19
years of professional experience
8
8
Certifications
2
2
Languages
Work History
Grade B, Manager- Asset Officer
IDBI Bank Ltd.
01.2025 - Current
- Major Responsibilities in Banking :
- Formulating strategies to accomplish target, short & long term budgets and goal of the organization.
- Supervising Sales and marketing team for budget achievement.
- Ensuring compliance with statutory requirements laid by acts governing banking regulations.
- Involved in KYC, AML & PML, BHCC, CORE (Corporate Risk Evaluation), CFRS, BLCSC & Audit Reporting.
- Implementing controls and process for securing 'outstanding' internal audit score.
- Supervising a team of 4 in Operations, 2 Asset/Credit Officers, 2 Relationship Manager, 1 Recovery Officer, 4 CASA DSAs for acquisition, 4 TPD DSAs for cross sales.
- Leading, training & monitoring performance of the team members to ensure efficiency in operations at Branch level in both liability and Asset/Credit.
- Credit Analysis, Balance Sheet Analysis, Ratio Analysis, Risk Analysis.
- Sanctioning and disbursing Structure Retail Asset products (AL, PL, EL, HLRSU) after due diligence.
- Coordinating with Retail Asset Center for branch sourced Mortgage Loans mainly HL, LAP, LCPP for sanction and disbursement.
- Sanctioning and disbursing loan proposal of MSME, Govt Schemes and Agriculture upto 50 Lacs after due diligence.
- Coordinating with Credit Processing Center for branch sourced MSME, Govt Schemes and Agriculture cases above 50 Lacs for sanction and disbursement.
- Accomplishments:
- Promoted to Manager Grade in Fast Track Channel.
- Received best Relationship Manager Award for Mumbai-III region for the year 2017-18.
- “Elite Circle” qualifier for two consecutive years (2016-17 & 2017-18) for surpassing yearly TPD fee income target.
- Became Visiting faculty for IDBI Zonal Training Center Mumbai.
Grade B, Manager- Relationship Manager
IDBI Bank Ltd.
05.2023 - 12.2025
- Major Responsibilities in Banking :
- Formulating strategies to accomplish target, short & long term budgets and goal of the organization.
- Supervising Sales and marketing team for budget achievement.
- Ensuring compliance with statutory requirements laid by acts governing banking regulations.
- Involved in KYC, AML & PML, BHCC, CORE (Corporate Risk Evaluation), CFRS, BLCSC & Audit Reporting.
- Implementing controls and process for securing 'outstanding' internal audit score.
- Supervising a team of 4 in Operations, 2 Asset/Credit Officers, 2 Relationship Manager, 1 Recovery Officer, 4 CASA DSAs for acquisition, 4 TPD DSAs for cross sales.
- Leading, training & monitoring performance of the team members to ensure efficiency in operations at Branch level in both liability and Asset/Credit.
- Credit Analysis, Balance Sheet Analysis, Ratio Analysis, Risk Analysis.
- Sanctioning and disbursing Structure Retail Asset products (AL, PL, EL, HLRSU) after due diligence.
- Coordinating with Retail Asset Center for branch sourced Mortgage Loans mainly HL, LAP, LCPP for sanction and disbursement.
- Sanctioning and disbursing loan proposal of MSME, Govt Schemes and Agriculture upto 50 Lacs after due diligence.
- Coordinating with Credit Processing Center for branch sourced MSME, Govt Schemes and Agriculture cases above 50 Lacs for sanction and disbursement.
- Accomplishments:
- Promoted to Manager Grade in Fast Track Channel.
- Received best Relationship Manager Award for Mumbai-III region for the year 2017-18.
- “Elite Circle” qualifier for two consecutive years (2016-17 & 2017-18) for surpassing yearly TPD fee income target.
- Became Visiting faculty for IDBI Zonal Training Center Mumbai.
Grade B- Manager- Relationship Manager
IDBI Bank Ltd.
05.2020 - 04.2023
- Major Responsibilities in Banking :
- Formulating strategies to accomplish target, short & long term budgets and goal of the organization.
- Supervising Sales and marketing team for budget achievement.
- Ensuring compliance with statutory requirements laid by acts governing banking regulations.
- Involved in KYC, AML & PML, BHCC, CORE (Corporate Risk Evaluation), CFRS, BLCSC & Audit Reporting.
- Implementing controls and process for securing 'outstanding' internal audit score.
- Supervising a team of 4 in Operations, 2 Asset/Credit Officers, 2 Relationship Manager, 1 Recovery Officer, 4 CASA DSAs for acquisition, 4 TPD DSAs for cross sales.
- Leading, training & monitoring performance of the team members to ensure efficiency in operations at Branch level in both liability and Asset/Credit.
- Credit Analysis, Balance Sheet Analysis, Ratio Analysis, Risk Analysis.
- Sanctioning and disbursing Structure Retail Asset products (AL, PL, EL, HLRSU) after due diligence.
- Coordinating with Retail Asset Center for branch sourced Mortgage Loans mainly HL, LAP, LCPP for sanction and disbursement.
- Sanctioning and disbursing loan proposal of MSME, Govt Schemes and Agriculture upto 50 Lacs after due diligence.
- Coordinating with Credit Processing Center for branch sourced MSME, Govt Schemes and Agriculture cases above 50 Lacs for sanction and disbursement.
- Accomplishments:
- Promoted to Manager Grade in Fast Track Channel.
- Received best Relationship Manager Award for Mumbai-III region for the year 2017-18.
- “Elite Circle” qualifier for two consecutive years (2016-17 & 2017-18) for surpassing yearly TPD fee income target.
- Became Visiting faculty for IDBI Zonal Training Center Mumbai.
Grade A- Assistant Manager- Service Operations Manager
IDBI Bank Ltd.
05.2019 - 04.2020
- Major Responsibilities in Banking :
- Formulating strategies to accomplish target, short & long term budgets and goal of the organization.
- Supervising Sales and marketing team for budget achievement.
- Ensuring compliance with statutory requirements laid by acts governing banking regulations.
- Involved in KYC, AML & PML, BHCC, CORE (Corporate Risk Evaluation), CFRS, BLCSC & Audit Reporting.
- Implementing controls and process for securing 'outstanding' internal audit score.
- Supervising a team of 4 in Operations, 2 Asset/Credit Officers, 2 Relationship Manager, 1 Recovery Officer, 4 CASA DSAs for acquisition, 4 TPD DSAs for cross sales.
- Leading, training & monitoring performance of the team members to ensure efficiency in operations at Branch level in both liability and Asset/Credit.
- Credit Analysis, Balance Sheet Analysis, Ratio Analysis, Risk Analysis.
- Sanctioning and disbursing Structure Retail Asset products (AL, PL, EL, HLRSU) after due diligence.
- Coordinating with Retail Asset Center for branch sourced Mortgage Loans mainly HL, LAP, LCPP for sanction and disbursement.
- Sanctioning and disbursing loan proposal of MSME, Govt Schemes and Agriculture upto 50 Lacs after due diligence.
- Coordinating with Credit Processing Center for branch sourced MSME, Govt Schemes and Agriculture cases above 50 Lacs for sanction and disbursement.
- Accomplishments:
- Promoted to Manager Grade in Fast Track Channel.
- Received best Relationship Manager Award for Mumbai-III region for the year 2017-18.
- “Elite Circle” qualifier for two consecutive years (2016-17 & 2017-18) for surpassing yearly TPD fee income target.
- Became Visiting faculty for IDBI Zonal Training Center Mumbai.
Grade A- Assistant Manager-Regional Processing Unit
IDBI Bank Ltd.
05.2019 - 04.2020
- RPU- Chennai is a centralized processing unit which controls 5 southern states and 400+ retail branches for every kind of operation.
- May 2018- Apr 2019 (Finacle Core Banking Software Team Leader)
- May 2017- Apr 2018 (Administration/ Floor Manager/ B2B Services Team Leader)
- May 2016- Apr 2017 (Retail Term Deposit/ Bulk FD/ Premium Term Deposit Team)
- May 2015- Apr 2016 (Debit card/ Cheque Book/Credit Card/ I-PIN Operations Team)
- May 2014- Apr 2015 (Miscellaneous Request Processing Team)
- May 2013- Apr 2014 (SB, CA, TASC Account Opening Team)
- Accomplishments:
- Promoted to Manager Grade in Fast Track Channel.
- Received best Relationship Manager Award for Mumbai-III region for the year 2017-18.
- “Elite Circle” qualifier for two consecutive years (2016-17 & 2017-18) for surpassing yearly TPD fee income target.
- Became Visiting faculty for IDBI Zonal Training Center Mumbai.
Officer Scale 1
Aryavart Gramin Bank
12.2011 - 02.2013
- Major Responsibilities - RBG, Sandi, Hardoi, Uttar Pradesh
- General banking operations, customer service & handling complaints.
- Worked as Passing Officer and handled Priority Sector Lending (Gold Loan for Agri purpose, Education Loan), Pension Loan & FDOD
Officer Scale 1
Satpura Narmada Gramin Bank
06.2011 - 10.2011
- Branch Operation and Cash Management in Bhind Main Branch, Madhya Pradesh.
Technical Support Engineer for Microsoft Project
Teleperformance
07.2007 - 10.2008
- Analysis Technique Expertise: Website Troubleshooting based on ASP (Active Server Pages), Website Domain Management, Website’s Search Engine Optimization (SEO) and ‘Microsoft Office Live Small Business’ & ‘Microsoft Office Live Workspace’ related administration and applications based on ‘Microsoft Hotmail’ server.
Education
Bachelor of Technology - Computer Science and Engineering
ABES Engg. College
Ghaziabad, Uttar Pradesh, India01-2007
Intermediate - undefined
Lucknow Public College
Lucknow01-2003
High School - undefined
Lucknow Public College
Lucknow01-2001
Skills
Product categorization
Visual assessment
Time management
Adaptability and flexibility
Collaborative teamwork
Relationship management
Microsoft office
Finacle 10
Accomplishments
- Supervised team of [Number] staff members.
- Collaborated with team of [Number] in the development of [Project name].
Additional Information
· Internationally Rated Chess player as per World Chess Federation (FIDE) rating list as on September 2009, International Rating – Elo’1560’.
· Ranked – 39 in Delhi Chess Challenge FIDE Rating Open Chess Tournament, New Delhi, (18 September-23 Sept 2009)
· Winner of ABES Engineering College Chess Tournament- 2006, Ghaziabad, U.P.
· Winner of Intra Branch Chess Championship - 2002 in class XI at Lucknow Public College.
· Winner of Intra Branch Chess Championship - 2001 in class X at Lucknow Public College.
- Promotion from Level-1 to Level-2 Support Engineer within 6 months.
- Awarded 'Highest C-SAT (Customer Satisfaction) Scorer’ in 1st
Software
MS Office
Dashboard
Certification
Passed the following certification exams conducted by Indian Institute of Banking & Finance (IIBF):
Timeline
Grade B, Manager- Asset Officer
IDBI Bank Ltd.
01.2025 - Current
Grade B, Manager- Relationship Manager
IDBI Bank Ltd.
05.2023 - 12.2025
Grade B- Manager- Relationship Manager
IDBI Bank Ltd.
05.2020 - 04.2023
Grade A- Assistant Manager- Service Operations Manager
IDBI Bank Ltd.
05.2019 - 04.2020
Grade A- Assistant Manager-Regional Processing Unit
IDBI Bank Ltd.
05.2019 - 04.2020
Officer Scale 1
Aryavart Gramin Bank
12.2011 - 02.2013
Officer Scale 1
Satpura Narmada Gramin Bank
06.2011 - 10.2011
Technical Support Engineer for Microsoft Project
Teleperformance
07.2007 - 10.2008
Intermediate - undefined
Lucknow Public College
High School - undefined
Lucknow Public College
Bachelor of Technology - Computer Science and Engineering
ABES Engg. College
Hobbies
To listen ‘Music’ & ‘Singing’.
To play Chess online or offline
Learning trending skills/technology relevant to professional work