Vivek Madhogaria
Howrah
Summary
Results-driven banking leader with deep expertise across operations, compliance, government business and enterprise IT transformation. Currently DVP – IT (Lead Solutions, Liability Products) at Bandhan Bank, delivering innovative solutions that enhance product capability, strengthen controls and improve customer experience. Proven track record of partnering with business, risk, audit and technology to design scalable processes, drive adoption of new platforms and streamline branch/network operations. Recognized for building high-performing teams, stakeholder evangelism and hands-on program delivery.
Overview
20
20
years of professional experience
Work History
DVP: IT – Lead Solutions, Liability Products
Bandhan Bank Ltd.
06.2024 - Current
- Driving transformation and business solutions across liability products to enhance service delivery and operational efficiency.
- Design and execution of solutions that enable portfolio growth, streamline processes and improve customer acquisition and engagement.
- Championing adoption of new technologies and processes across cross-functional teams and the broader organizational network.
- Partnering with CBS/vendor teams to evaluate feasibility for new regulatory and business requirements (e.g., RERA certificate validation workflows).
- Instituted structured change-management training for new team members, including role-specific MCQs aligned to the IT Change Management SOP.
DVP: Branch Banking – Financial Inclusion, Government Business & Expansion
Bandhan Bank Ltd.
10.2021 - 05.2024
- Led onboarding and implementation of PFMS solutions and authorization of Government Agency Business; established the Government Business Team.
- Implemented processes for accurate reporting under the Lead Bank Scheme and financial literacy programs; set up the Financial Inclusion Team.
- Secured key institutional clients through relationship management and strategic negotiations, expanding the bank’s government portfolio.
- Ensured regulatory compliance and audit readiness; strengthened branch-network controls and improved operational performance.
AVP: Branch Banking – Financial Inclusion, Government Business & Expansion
Bandhan Bank Ltd.
07.2018 - 09.2021
- Drove expansion initiatives across new geographies; coordinated with government departments and internal stakeholders to enable service rollouts.
- Managed compliance frameworks and reporting cadence; collaborated with risk/audit for remediation and process improvement.
Senior Manager: Investor Relations
Bandhan Bank Ltd.
05.2018 - 06.2018
- Supported investor communications and data preparation; partnered with leadership on analyses and stakeholder queries.
Senior Manager: Branch Banking – Branch Head
Bandhan Bank Ltd.
05.2015 - 04.2018
- Led branch operations and sales; optimized customer service, compliance and profitability.
- Managed cash operations, clearing, deposits, retail forex, and controls for KYC/regulatory adherence.
Manager: Branch Banking – Branch Sales Manager
Axis Bank Ltd.
04.2014 - 04.2015
- Led sales initiatives, customer acquisition and cross-sell; coordinated with operations for service delivery.
Deputy Manager: Branch Banking – Branch Sales Manager
Axis Bank Ltd.
01.2013 - 04.2014
- Managed branch sales targets and pipeline; improved onboarding processes and service quality.
Deputy Manager: Branch Banking – Branch Operations
Axis Bank Ltd.
04.2012 - 01.2013
- Oversaw day-to-day operations, cash management, KYC controls and audit compliance.
Assistant Manager: Branch Banking – Branch Operations
Axis Bank Ltd.
04.2010 - 03.2012
- Handled teller operations, clearing and deposit processes; maintained service standards.
Executive: Branch Banking – Branch Operations
Axis Bank Ltd.
01.2008 - 03.2010
- Supported core branch operations, documentation and customer service.
Executive: Tied Sales – Agency Manager
Kotak Mahindra Old Mutual Life Insurance Co. Ltd.
06.2007 - 12.2007
- Managed agency channel recruitment and sales enablement.
Online Trader cum Sub-Broker
Himali Vyapaar Pvt. Ltd.
01.2006 - 06.2007
- Executed trading operations and client servicing.
Education
B.Com. (H) -
Umes Chandra College, University of Calcutta
Diploma in Aviation, Hospitality & Travel Management -
Frankfinn Institute
NCFM: Module VI (DP) -
IRDA: Life Insurance -
NCFM: Module VA (Mutual Funds) -
Skills
- Digital Banking Transformation
- Liability Products & Solutions
- Government Business (PFMS, Agency Banking)
- Regulatory & Statutory Compliance
- Retail Banking Operations & Controls
- Change Management & Evangelism
- IT Program/Project Management
- Stakeholder & Vendor Management
- Risk, Audit Readiness & MIS/Analytics
- Team Leadership & Training
- Solution design
- Regulatory compliance
- Change management
- Relationship management
- Project coordination
- Team leadership
- Problem solving
- Effective communication
- Cross-functional collaboration
Websites
Technology And Tools
- Core Banking Systems: Finacle, FIS Profile, FlexCube.
- Digital Banking: Mobile Banking, Retail & Corporate Internet Banking.
- Government Business: PFMS Solutions, Agency Business Solutions.
- Regulatory & Compliance Platforms: ADEPT, IRIS, CIMS.
- Project/Program Management: SPIRA; Learning: Jira.
- Productivity: MS Word, Excel, PowerPoint.
Languages
- Hindi
- Bengali
- English
- Hindi
- Bengali
Selected Projects And Impact
- PFMS & Government Agency Business: Spearheaded authorization and rollout; set up governance and operating procedures for seamless transaction processing.
- Lead Bank Scheme & Financial Inclusion: Implemented accurate reporting processes and literacy initiatives; established a dedicated Financial Inclusion team.
- CBS/Charge Parameterization Analysis: Led cross-functional discussions to address GST deduction behavior on FX remittances; coordinated with taxation and CBS teams to remediate failure scenarios.
- RERA Certificate Validation: Facilitated requirement discovery with business; evaluated solution feasibility with Oracle CBS vendor for compliant processing.
- Branch Network Integrations: Managed multiple IT transformation and system integration efforts to minimize disruption and improve operational efficiency.
- Change Management Enablement: Designed role-based training content (unique 100-MCQ sets) for new IT Solutions team members, aligned to Change Management SOP.
Personal Information
- Location Preference: Open to relocation
- Date of Birth: 11/06/83
Languages
English
Upper Intermediate
B2
Hindi
Upper Intermediate
B2
Bengali
Intermediate
B1
Timeline
DVP: IT – Lead Solutions, Liability Products
Bandhan Bank Ltd.
06.2024 - Current
DVP: Branch Banking – Financial Inclusion, Government Business & Expansion
Bandhan Bank Ltd.
10.2021 - 05.2024
AVP: Branch Banking – Financial Inclusion, Government Business & Expansion
Bandhan Bank Ltd.
07.2018 - 09.2021
Senior Manager: Investor Relations
Bandhan Bank Ltd.
05.2018 - 06.2018
Senior Manager: Branch Banking – Branch Head
Bandhan Bank Ltd.
05.2015 - 04.2018
Manager: Branch Banking – Branch Sales Manager
Axis Bank Ltd.
04.2014 - 04.2015
Deputy Manager: Branch Banking – Branch Sales Manager
Axis Bank Ltd.
01.2013 - 04.2014
Deputy Manager: Branch Banking – Branch Operations
Axis Bank Ltd.
04.2012 - 01.2013
Assistant Manager: Branch Banking – Branch Operations
Axis Bank Ltd.
04.2010 - 03.2012
Executive: Branch Banking – Branch Operations
Axis Bank Ltd.
01.2008 - 03.2010
Executive: Tied Sales – Agency Manager
Kotak Mahindra Old Mutual Life Insurance Co. Ltd.
06.2007 - 12.2007
Online Trader cum Sub-Broker
Himali Vyapaar Pvt. Ltd.
01.2006 - 06.2007
B.Com. (H) -
Umes Chandra College, University of Calcutta
Diploma in Aviation, Hospitality & Travel Management -
Frankfinn Institute