Vikas Wahal
Gurugram,Haryana
Summary
Director and Strategic Advisor with over three decades of experience in the banking sector, specializing in digital transformation and strategic growth. Proven track record of establishing successful bank branches and increasing market share through customer-centric strategies. Expert in fostering partnerships and leading compliance management initiatives. Committed to delivering innovative solutions in the financial services industry.
Overview
38
38
years of professional experience
1
1
Certification
Work History
Consultant & Advisor
Primus Partner
New Delhi, Delhi
12.2024 - Current
- Strategic Partnerships & BFSI advisory.
Director & Strategic Advisor
Nagarro
Gurugram, Haryana
12.2024 - Current
- Delivered strategic insights on banking trends to BFSI practice and delivery teams across the Middle East, Eastern Europe, Africa, and India. POVs on 30+ RFPs.
- Collaborated with senior leadership to uncover business opportunities through client engagements, and worked on GTM strategy.
- Introducing six new clients as part of the new acquisition focus.
- Led initiatives enhancing client satisfaction and improving service delivery.
- Coordinated cross-functional teams, aligning efforts with organizational goals.
- Analyzed market trends to develop business strategy and product direction.
Angel Investor
Nupay
Gurugram, Haryana
06.2017 - Current
- Worked successfully with a diverse group of coworkers to accomplish goals and address issues related to our products and services.
- Achieved cost savings by developing functional solutions to problems.
- Platform for Enterprises with Embedded Finance.
Director & President / Investor
SwinkPay Fintech Pvt. Ltd.
Gurugram, Haryana
11.2021 - 12.2024
- Led strategic initiatives to enhance digital payment solutions and user experience.
- Collaborated with stakeholders to align financial technology strategies with market trends.
- Managed compliance with regulatory standards within the fintech industry.
- Client-oriented Payment Orchestration and Backend Operations Management solution.
Former EVP & Branch Banking Head
HDFC Bank
New Delhi, Delhi
06.2017 - 10.2021
- Managed 508 branches across Delhi, NCR, Haryana, and Jammu & Kashmir, with a liability base of USD 18 million and USD 16 billion in assets.
- Created a strong distribution franchise for retail and SME lending through branch and DSA channels.
- Third Party book with an AUM of USD 8 Billion grew at a CAGR of 20%.
- Led a team of more than 5,400 employees to achieve strategic objectives.
- Increased market share in the North from 7% to 10.75% through targeted initiatives.
- Collaborated with stakeholders on product development, digitization, and enhancing customer experience.
- Worked with Central and State governments on CSR and digital payment solutions.
- Achieved strong P&L growth by controlling costs and increasing revenue and achieving C/I ratio of 27%.
- Chaired committees on Audit and Compliance, POSH, and RBI SLBC.
Regional Head - Delhi
HDFC Bank
New Delhi, Delhi
08.2016 - 06.2017
- Developed strategic plans to align with corporate goals and market trends.
- Developed and implemented strategies to reduce costs, improve efficiency, and increase customer satisfaction in the region.
Zonal Head - Western UP & Uttarakhand
HDFC Bank
Western U.P & Uttarakhand
12.2009 - 08.2016
- Led team to enhance customer service experience at rural and semi-urban branches.
- Coordinated staff schedules to optimize branch coverage and efficiency.
Cluster Head - Multiple Geographies
HDFC Bank
South Delhi, Noida, Faridabad, Central, Old & North Delhi
04.2005 - 12.2009
- Analyzed data from multiple sources to identify key trends, insights, and opportunities for improvement within the cluster.
- Monitored sales performance and market trends, providing strategic direction for growth opportunities.
Branch Manager - Large Branches
HDFC Bank
Multiple Locations
09.1998 - 04.2005
- Managed daily operations across branches in South Delhi, ensuring compliance with banking regulations.
- Led the merger and integration project with Times Bank and Centurion Bank.
Assistant Manager Customer Services - Forex and Trade
ICICI Bank
Delhi, India
01.1995 - 01.1998
- Joined ICICI Bank as Assistant Manager Customer Services, handled multiple Operations, Forex, Trade Finance.
- Was a Trainer at the Bank's Training Centre in Pune.
Officer Non - Resident Services / Audit & Internal Control
ANZ
Multiple locations - New Delhi, Amritsar, Shimla & Srinagar
01.1989 - 01.1995
- Worked across multiple geographies as Assistant Branch Manager, Officer NRI services, Officer Internal Control and Audit.
- Trainer for Non-Resident Products and Services.
Officer Trainee
ITC Hotels
New Delhi, Delhi
04.1988 - 12.1988
- Management Trainee
Education
Ph.D. - Business / Transformational Leadership
07.2023
Advanced Leadership Program - undefined
08.2021
MBA - Marketing and Finance
06.1993
Bachelor of Commerce - undefined
06.1987
Skills
- Transformational leadership
- Strategic insights
- Payment solutions
- Compliance management
- Change management
- Team development
Certification
- Disruptive Strategy - Harvard Business School
- Managing in the Global Digital Economy - Wharton Executive Education
- Summer School - MDP, IIM - Ahmedabad
Personal Information
- Number of Children: 2
- Marital Status: Married
Additional Info
Masters in Vedic Astrology, Numerology and Predictive Astrology
Timeline
Consultant & Advisor - Primus Partner
12.2024 - Current
Director & Strategic Advisor - Nagarro
12.2024 - Current
Director & President / Investor - SwinkPay Fintech Pvt. Ltd.
11.2021 - 12.2024
Angel Investor - Nupay
06.2017 - Current
Former EVP & Branch Banking Head - HDFC Bank
06.2017 - 10.2021
Regional Head - Delhi - HDFC Bank
08.2016 - 06.2017
Zonal Head - Western UP & Uttarakhand - HDFC Bank
12.2009 - 08.2016
Cluster Head - Multiple Geographies - HDFC Bank
04.2005 - 12.2009
Branch Manager - Large Branches - HDFC Bank
09.1998 - 04.2005
Assistant Manager Customer Services - Forex and Trade - ICICI Bank
01.1995 - 01.1998
Officer Non - Resident Services / Audit & Internal Control - ANZ
01.1989 - 01.1995
Officer Trainee - ITC Hotels
04.1988 - 12.1988
Ecole Supérieure Robert De Sorbon - Ph.D., Business / Transformational Leadership
Indian Institute of Management - Advanced Leadership Program,
Institute of Management Technology - MBA, Marketing and Finance
Delhi University - Bachelor of Commerce,