Result-oriented banking professional with 3+ years of experience in Retail liabilities, channel management and Head Office-level strategic execution. Proficient in identifying process improvement opportunities and leading the business-side design of automation solutions to reduce manual interventions and enhance efficiency. Skilled in developing premium banking programs, coordinating with Product, Compliance, Tech, and Operations to deliver scalable, customer-centric outcomes.
Overview
7
7
years of professional experience
Work History
Associate Channel Manager – RM Channel
Utkarsh Small Finance Bank Ltd.
06.2022 - Current
Lead a team of 150+ Relationship Managers across 150+ branches to drive CASA growth, customer acquisition, and business development, achieving significant growth from initial 48 RMs to 150+.
Developed and executed sales strategies to achieve targets in NOA (New Account Openings), CASA (ETB & NTB), RTD, and cross-sell banking products like FDs, RDs, and insurance.
Managed sales campaigns, performance metrics, and incentive programs to enhance RM productivity and align with business goals.
Spearheaded the Premium Banking Program targeting HNIs and affluent customers, including product structure, branding, and benefits strategy.
Led the automation of liabilities applications, improving operational workflows and supporting RM activities to drive efficiency and scalability.
Conducted training programs for Relationship Managers to enhance skills, ensure certification compliance, and improve channel performance.
Collaborated with product, compliance, marketing, operations, and tech teams for seamless execution of strategic initiatives.
Achievements/Tasks
Primary Teacher (PRT)
Delhi Public School
09.2018 - 12.2019
Delivered primary education and developed core communication, team management, and organizational skills.
Enhanced classroom engagement through structured lesson plans and interactive teaching methods.
Developed strong interpersonal and time management skills while managing student groups and classroom activities.
Achievements/Tasks
Education
MBA - Finance & Marketing
Birla Institute Of Technology
Ranchi
B.Com (Hons) - undefined
Vinoba Bhave University
Skills
CRM Systems (Dynamics 365)
Microsoft Office Suite (Excel, Word, PowerPoint)
Banking Applications & Tools
Data Reporting & Performance Tracking
CRM proficiency
Data analysis
Dashboard creation
LANGUAGES
English - Full Professional Proficiency
Hindi - Full Professional Proficiency
Accomplishments
Channel Management
Increased CASA growth and new customer acquisition through effective channel management, contributing to overall banking business.
Designed and launched a Product Catalogue for the Liabilities Channel to streamline offerings.
Successfully automated key workflows, reducing manual intervention by 30%, and increasing channel efficiency.
Premium Banking Program Development
Conducted competitive analysis and customer insight mapping to define a unique selling proposition (USP) for the Premium Banking Program.
Deputy Manager (Team Leader) at Utkarsh Small Finance Bank Ltd, Small Finance Bank LtdDeputy Manager (Team Leader) at Utkarsh Small Finance Bank Ltd, Small Finance Bank Ltd