Himanshu Verma

Experience

• 

  Citifinancial

  May 2007 - Feb 2008

  Credit Processing Analyst

  Credit Appraisal of salaried & self- employed (proof, Non proof) & Corporations. Analysis of Financials of the client, analysis of the Bank Statements, repayment Track Record (RTR) of the existing loans. Calculation of Loan Eligibility based on the parameters of Income property valuation. Forwarding the final Approved files to operation coordinating with them to get the file disbursed. Raising the deviations approvals to Credit Manager, Credit Director & Business Head.

• 

  Reliance Nippon Life Insurance

  Feb 2008 - Oct 2010

  Operations Executive

  Worked as Underwriter done the intial underwriting of Traditional, ULIP, Group Insurance and Health products. Appraise medical & non-medical risk in life insurance proposals using factors such as age, occupation, medical history, financial standing and other relevant conditions that determine insurability.Appraise level of risk involved in applications where medical opinion or decision is necessary for acceptance/rejection of insurance coverage Recommend, accept, and reject insurance coverage within limits set in the underwriting policy as per IRDA & AML & KYC Guidelines.Providing the Training on Underwriting & Company Products. Show less

• 

  American Express

  Oct 2010 - Oct 2016

  Leading the team in 5 locations in west, responsible for the ensuring managing the Quality & Compliance for the onboarding the new customers via direct & digital sales channel. Provide business insights to senior management basis the daily/ quarterly & yearly.Manage Quality Check Call Back process and ensure all SLA’s are adhered. Responsible for handling Regional Quality Desk and maintain cancellation rates at a minimal level. Maintain all policy changes for Audit records and ensure smooth Implementation of the same. Work closely with central team & sales heads to ensure max output coming from all Sales campaigns. Ensure Sales CRM / SFDC is effectively used to optimize processes. Build and maintain strong cross-functional relationships with stakeholders and business partners to effectively influence the achievement of business results. Maintain open and transparent communication with team members. Ensure high level of engagement and motivation among team members for delivering high quality standard output. SPOC for Regional Sales teams, Risk, New Accounts, Product & Compliance teams. Show less Responsible for managing the card process for New Accounts with key focus on high value customers.Decisioning portfolio for personal and platinum card applications. Meeting key performance indicators between Operations and the Customer Groups.Responsible for compliance for all underwriting processes & policies.Support customer groups in launching of new/enhanced product propositions & initiatives.Strengthen the team of 32 persons by providing effective leadership, performance management, timely coaching, feedback and training as required.Responsible for the maintaining & controlling of the Error’s of the Data Capturing Vendor..Preparing the Accruals for the department & making sure the payment of the vendors release on time.Responsible for all the new products launch & making coordination with all other departments like Risk, Product, Tech & Marketing. Show less Responsible for managing the card process for New Accounts with key focus on high value customers.Decisioning portfolio for personal and Platinum card applications.Meeting key performance indicators between Operations and the Customer Groups.Responsible for compliance for all underwriting processes & policies.Support customer groups in launching of new/enhanced product propositions & initiatives.Strengthen the team by providing effective leadership, performance management, timely coaching & feedback and helping them acquire new talent, knowledge & skills.Reactivate process - Processing of cancelled, decline or incomplete application basis information received from internal as well as external customers. Show less

  • Assitant Manager- Quality & MIS

    May 2015 - Oct 2016

  • Lead Business Analyst

    Apr 2014 - May 2015

  • Master Business Analyst

    Oct 2010 - Apr 2014
• 

  Axis Bank

  Nov 2016 - Mar 2023

  Sales Head for center responsible to generate revenue for the bank via cross sell various products.Managing Retail Liabilities operations driving the customer experience through continuous process and product improvements.Redefine customer journeys to ensure frictionless customer interaction experience.Implement process improvement through Voice of customers and Voice of Process.Drive value generation by delivering customized product offerings. Building a profitable channel by maintaining a healthy Cost to Income ratio.Weekly review of the team to ensure all KPI's delivered & enhancing the customer experience. Show less Managing digital channel for Axis Bank for retail assets including Home Loan/ Loan Against Property/ Business Loan/ Education Loan/ Auto Loan including Two Wheeler/ New & Used Car Loan.Worked closely with central BIU & Product teams to get the database developed & continuous enhancement on month on month basis. Doing review with locations & team on weekly/ Bi weekly/Monthly basis on business generation/ revenue generation & productivity of team.Driving contests to help ensure all locations meet their thresholds on product balancing.Interact with the respective product teams to negotiate for interventions to help spike volumes.Formalize Product wise plan and share with the respective locations to help drive business volumes.Highlight best practices followed at other locations to enable under performing units to come up the curve along with formalizing a training performance enhancement plan for the under performing units.Building a profitable channel by maintaining a healthy Cost to Income ratio. Show less

  • Sales Lead

    Jun 2019 - Mar 2023

  • Channel Product Manager

    Nov 2016 - Jun 2019
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  Axis Bank

  Apr 2024 - now

  Senior Manager

  Trade Forex