Experience

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  University of jammu, jammu tawi, india

  Jun 1993 - Aug 1995

  Research scholar

  • Worked as a Research Scholar on a UGC Project at University Of Jammu ( J&K ) and as Systems Analyst with Kapson Computech ( J&K ).

• 

  Allahabad bank

  Sept 1995 - Jul 1998

  Systems analyst ( edp officer )

  • Worked with Allahabad Bank as a Probationary Officer ( Systems Analyst cum EDP Officer ) at various Offices / Branches at Kolkata and Chennai. Pioneered and Implemented Banks Total Mechanization initiative and established various healthy Systems & Processes. • Implemented total Automation of Inter-Branch Reconciliation System for the entire Zone for DDs, Cheques & Bills..• Implemented and Operationalised EFT & Settlements started by Reserve Bank Of India.

• 

  Axis bank

  Jul 1998 - Aug 2015

  Worked extensively for 17 Years in various Leadership Roles as Vice President with Axis Bank in almost all the states of North India - Rajasthan, Punjab, Haryana, Uttarakhand and Himachal Pradesh. Headed and led around 40 Branches with a team size of 350+ with a CASA Business of more than Rs 1000+ Crores and Retail Loans and Agri Loan Business of more than Rs 700+ Crores as a Regional Head / Cluster Head in Rajasthan, Haryana and Himachal Pradesh states as well as managed and supervised the entire operations & compliance,, recruitment, onboarding – banking officers & vendors / merchants along with customer service excellence• Led a strong team of over 350+ Officers across 40+ Branches in the cluster with a CASA size of Rs 1000+ Crores• Established 20 new Branches in the cluster within a record time of 3 months• Strong flair for Cross-Sell of Life Insurance & General Insurance Products and have done Extensive work in High-Revenue generating Businesses under TPP.• Handled various Banking Segments & Services viz. retail Liabilities, retail Assets and MSME, corporate banking, cash management services , Advances ( SME & Agri ) and cross selling of third party investment products• Managed overall operations including recruitment, establishment of infrastructure and implementation of banking systems & processes at these branches for seamless business growth & customer delight• Developed a strong retail franchise by scaling up business and registering YOY growth across segments – CASA values & numbers, third party fee income, retail assets & liabilities and agriculture• Maintained healthy relations with regulatory & statutory Govt. authorities& key stakeholders to revitalize the Banking franchise.• Supervised the execution of regulatory policies towards–anti-money laundering (AML), customer service & grievances. Show less • Spearheaded strategic & flagship of Tricity branch of the Bank with an overall business size of Rs 500 Crores (approx.)• Managed a large team of resources and organized frequent knowledge-workshops for imparting trainings & tips to the team• Conducted “Skill-Will” analysis of the team for nurturing & providing suitable opportunities for driving optimum resource productivity• Coordinated with the key Govt. Officials for business development & growth – Chandigarh Housing Board, Sampark (DOIT), Chandigarh Municipal Corporation, Education Dept. (SSA & MDM) and Agriculture Dept. and so on Show less • Spearheaded entire gamut of banking activities for one of the largest geographies - Rajasthan Region• Managed a team covering 33 Branches with CASA size of Rs 800 Crores (Approx.) in the region• Relationship Management with Regulatory Govt. authorities & key stakeholders to revitalize the Banking franchise across all branches• Designed & build Robust Systems & Processes around Operations and Compliance.• Framed operational governance policies & processes aimed at attaining the business goals• Optimum utilization of available resources and strategic alliances & tie-ups with channel partners for continued business growth Show less • Opened and established the Haridwar branch as Branch Head and installed 7 offsite ATMs in the city at the most strategic locations. Got major breakthrough in establishing Banking relationships with several Govt Deptts and Trusts including a mandate from Haridwar Development Authority ( HDA ) for Rs 126 Crores.• Set up and led Flagship Branch at Haridwar ( Uttarakhand ) and with the combined efforts of a well motivated & energised team, could successfully scale Outstanding Business levels – CASA of more than Rs 50 Crores within a span of 2 years.• Identified strategic locations and set up about 5 ATMs at Haridwar catering to a large cross-section of customers , getting huge number of hits on a Daily basis and resulting into handsome Interchange Revenue & Cash Disposal.• Relationships - Some of the other important & notable business relationships cracked include – Haridwar Development Authority, Ganga Pollution Board, Kumbh Mela Trust and various Trusts & Akharas etc at Haridwar. Show less • Established a new branch at Sanganer as Branch Head and set up 4 ATMs in the area to tap the inland as well as forex business in the area and took the Branch to Rs 20 Crores of CASA business• Identified 4 strategic locations for setting up ATMs in the area for extending Banking services at the nearest possible points. • Business Development – Successfully captured Business from the entire catchment area including – Colleges , LIC , Manufacturing units at Industrial Area Sitapura ( Current Accounts & Forex ) , Old Sanganer - Handmade Paper & Cloth Traders etc. Show less • Set up a new Branch at Udaipur ( Rajasthan ) and with the collective efforts of the Team, took it to more than Rs 35 Crores of CASA and Rs 20 Crores of Assets in just 2 years.• Established the Branch and worked as Branch Sales Manager and Ops Head and struck a major Banking Relationship with Hindustan Zinc Ltd for Retail Home Loans ( Rs 17 Crores ) and domestic as well as International banking.• Another major breakthrough was National Insurance Company Ltd – 1st Account in India was acquired by us at Udaipur and then later replicated across Branches in the Country.• Identified strategic locations and set up about 6 ATMs at Udaipur catering to a large cross-section of customers , getting huge number of hits on a Daily basis and resulting into handsome Interchange Revenue & Cash Disposal.• Some of the other important & notable business relationships include –Education Deptt, UIT Udaipur, Railways, West Zone Cultural Centre, RSMML and Bohra Community @ Udaipur, Show less

  • Vice President & Cluster Head

    May 2013 - Aug 2015

  • Vice President & Branch Head

    May 2011 - May 2013

  • Vice President & Branch Head

    May 2010 - May 2011

  • Vice President & Regional Retail Head

    May 2008 - May 2010

  • Asstt Vice President & Branch Head

    Feb 2006 - May 2008

  • Asstt Vice President & Branch Head

    Apr 2004 - Feb 2006

  • Manager - Ops Head & BSM

    Apr 2002 - Apr 2004

  • Dy Manager & BSM

    Apr 2000 - Apr 2002

  • Dy Manager - Ops & Systems

    Jul 1998 - Apr 2000
• 

  Janalakshmi financial services

  Mar 2016 - Dec 2017

  Associate vice president & regional head – branch banking & retail loans ( punjab & rajasthan)

  Worked with Janalakshmi Financial Services Ltd ( JANA Small Finance Bank ) as Associate Vice President & Regional Head for Punjab, Haryana and Rajasthan and managing about 24 Asset Centres ( Branches) with a Strong Team of more than 600+ Officers (Jananayaks) spread across Punjab,, Haryana and Rajasthan. • Set up 24 new Bank Branches in the States of Rajasthan, Punjab and Haryana for the upcoming Small Finance Bank• Built a team of 200+ Officers for the upcoming Bank.• Managed and built a MFI & Assets Portfolio of around Rs 500+ Crores which included Gold Loans, Agri Loans, Home Loans, MSME Loans as well as Nano & Group Loans. • Led collections and NPA & PAR Management• Administered Asset Quality and Delinquency Management Show less

• 

  Jana small finance bank

  Jan 2018 - Feb 2023

  • Led the Transition to build a Best in Class Retail-Distribution Branch Banking Franchise and Managed 120+ Branches ( Classic Branches & Combo Branches ) spread across P&H, DNCR,, Gujarat and MP• Spearheaded a strong team of 600+ dynamic and Customer Centric Bankers to create a “Future-Ready” Bank with strong emphasis on Cutting Edge Technology, Business Ethics & Excellence, Operational Compliance and Regulatory Governance. • Managed a total liabilities Portfolio of Rs 4,000+ Crores with a CASA Book of Rs 500+ Crores• Strong flair for Cross-Sell of Life Insurance & General Insurance Products and have done Extensive work in High-Revenue generating Businesses under TPP.• Built a well balanced Assets Portfolio with Gold Loans, Agri Loans, MSME Loans, LAP, Home Loans ( Micro Home Loans & Affordable Home Loans ) and Group Loans as well as Individual Personal Loans & Business Loans across all Emerging Markets. • Strong Tracking & Monitoring of EMI Collection Management with 99% Collection efficiency and Efficient NPA & PAR Management. • Identified and captured new potential Business opportunities across Geographies and formulated Strategies for increasing Penetration, Brand Value as well as Market-Share of the Bank.• Network Expansion by Opening New Branches (Urban/Rural/Un-Banked) and ensuring their timely Break-Even and Profitability with balanced Product Mix & Fee Income.• Managed recruitment with On-boarding, training, nurturing and Retention of resources as well as overall infrastructure development of the Bank ( Branches & ATMs) Show less • Set-Up and managed 250+ Storefronts (Classic & Combo Branches ) in North & East• Executed Geographical Span of Control of 11 States - P&H, DNCR, UP/UK, Rajasthan, Bihar, Orissa, Jharkhand, West Bengal and Assam & North-East.• Led a Team of 1000+ Vibrant Branch Banking Officers • Built and managed a Liabilities Portfolio of Rs 5,000+ Crores with a CASA Book of Rs 700+ Crores• Strong flair for Cross-Sell of Life Insurance & General Insurance Products and have done Extensive work in High-Revenue generating Businesses under TPP.• Built a well balanced Assets Portfolio with Gold Loans, Agri Loans, MSME Loans, LAP, Home Loans ( Micro Home Loans & Affordable Home Loans ) and Group Loans as well as Individual Personal Loans & Business Loans across all Emerging Markets. • Strong Tracking & Monitoring of EMI Collection Management with 99% Collection efficiency and Efficient NPA & PAR Management. • Identified new business Geographies & opportunities Show less Worked with JANA Small Finance Bank as Vice President-2 & Zonal Head for Punjab & Haryana - Managing about 35 Store Fronts. Bank Branches with a Liabilities Business of Rs 600+ Crores and Asset Centers with a Strong Team of about 700+ Officers. Assets Business includes - Group- JLG Loans,, Micro,, Nano,, Agri Loans with a Portfolio size of Rs 900+ Crores with more than 3,00,000 satisfied customers – catering to the Financial needs of Emerging Middle Class of India in the Urban, Un-Banked and Under-Banked areas and a strong partner in the DBT and Financial Inclusion initiatives of Govt Of India.• Managed 35+ Storefronts ( Bank Branches & MFI Asset Centers)• Led a strong team of about 700+ Officers of Assets & Liabilities Business ( Gold Loans, Agri Loans, Home Loans, MSME Loans as well as Group- JLG,, Micro & Nano Loans and Liabilities Biz• Managed and built a MFI Assets Portfolio of around Rs 900+ Crores with more than 3, 00,000 satisfied customers.• Attained Collections efficiency @ 99%+ with consistent NPA & PAR Management• Controlled asset quality & delinquency management as well as risk management & risk mitigation• Catered to financial needs of emerging middle class population in the Un-Banked and Under-Banked Segments • Collaborated in the DBT and Financial Inclusion initiatives of Govt. of India.• Drove Teams & Businesses ( Assets & Liabilities ) including Quality CASA Numbers & Values across Channels Show less

  • Vice President & Zonal Head - Branch Banking (( ( P&H, DNCR, Gujarat & MP ))

    Jan 2021 - Feb 2023

  • Vice President & Zonal Head – Branch Banking ( North & East )

    Jan 2020 - Dec 2020

  • Vice President & Zonal Head - Branch Banking & Retail Loans Business ( P&H )

    Jan 2018 - Dec 2019
• 

  Swabhimaan finance pvt. ltd.

  Nov 2022 - now

  Corporate vice president & chief operating officer ( coo - north ) - swabhimaan finance (p) ltd

  • Developing Business and key strategies as well as Operational capabilities of the Company in Retail Distribution.• Setting up and management of various Processes and Departments of the Company.• Designing and Implementing SOPs & Strategies to scale-up the Business-Network as well as Business Operations across Geographies in India ( North )• Coordinating with Channel Partners and Regulatory bodies for Statutory and Compliance related matters• Building business functions & plans to monitor Business performance and Resource Productivity.• Supervising & Optimizing Inter-departmental operations and Synergies.• Monitoring and Coordinating Risk mitigation and Compliances related matters Business Teams• Supporting various growth related initiatives and Technology driven processes.• Implementing the Best Policies and Best Industry Practices & Processes along with Relationship Management with key stakeholders & Ethical Leadership • Implementing Digital Technology driven Lending solutions with extensive usage of LOS, LMS & CRM Systems. Show less