Key responsibilities:1. Managing BC partner relationships with AUM of INR 17 Billion2. Introduce asset, liability and fee based products targeting BoP3. Business development to build strategic partnerships for products, technology and processes4. Build efficiencies in business by introducing new operating models and technology5. Business planning and strategies to achieve the Budgets6. Managing P/L for the vertical with incremental growth of 120% YoY for the past 3 years.7. Manage sales force and build the teams8. Support Government initiatives in financial inclusion including PMJDY

Key responsibilities: Introduce innovations, new business models in financial inclusion space to the bank and best global practices applicable for Ratnakar Bank. Manage relationships with partners for new products and systems Create feasibility proposals on new ideas, alliances for business, new products introduction which can be then handed over to various business teams. Take up strategic projects of the bank which can increase productivity, process improvements and alignment with partner systems and processes. Prepare and update management reports and support in annual business planning exercise. Conduct operating reviews to track the performance.Important Contributions: Domestic remittance product developed and systems and processes built to offer the product across various channel partners. Launched the product by branding a network of outlets. New business correspondent relationships were developed with partners to offer remittance, insurance and other services to extend the bank network. Part of the core team building strategic processes, relationships and teams for scaling BC channel business for Ratnakar Bank Prepared the long term business plan (Five year plan) for the division Responsible for regulatory reporting of Financial inclusion plan (2013-16) for the bank and monthly reporting to RBI Developed strategy for building products using Aadhaar platform rolled by the UIDAI including e-KYC platform Lead the project of introduction of Aadhaar based Rupay debit cards and development of AEPS. Working on distribution channel built up to setup transaction points using Micro ATMs Lead the Quality certification projects like Smart campaign (ACCION International) for customer protection principles sponsored by IFC

The key responsibilities of my role at SKS are, New products introduction and formulation of strategy for the division.Testing new products / models by conducting pilots and implementation of successful projects to scale up.Key connect for SKS for all new products and services. and negotiating with partners and screening of proposalsMonitoring a team of 7 managers, 20 executives and 180 field staff for effective delivery of projectSignificant achivements at SKS are, Conceptualized, tested and devised an innovative rural distribution channel using MFI network.Closed MoUs with Metro Cash & Carry and Future group for partnerships for “Sangam stores project”.This specific distribution model was described as a revolutionary novel concept by Outlook Business Magazine and Economic Times to reach BoP target group.Successfully developed the Mobile based assisted LOS, designed a loan product and setup IT back bone for the business. Played key role in designing a Mobile based IT applications to run the project.Developed the organisation structure and trained the team for the new vertical and created a MSME portfolio of Rs. 800 million by enrolling 11,000 kirana stores and maintaining 99.7% repayment efficiency. Various new relationships were developed with players like HUL, New equity, Reliance retail, Walmart and Carrefour Retail etc for partnerships. Conceptualized various innovative business models in the areas like Payment systems, Remittances, Investment products targeting BoP and Rural markets.Involved in concept development and project development of Mobile payment system in partnership with mCheck and Paytronics India Ltd.Worked with BCG consulting and Technopak consulting in developing organisational strategy to build the Sangam store project. Designed processes, piloted and scaled up for non financial products like Water purifiers, Mobile phones, Solar lamps in partnership with leading players like HUL, Nokia etc.

The important role played by me at CMF is in following areasPreparing Business plans for stand alone financial products for NBFC’ and Micro Financial Institutions.Defining innovative business models to create a market linkage (both backward and forward) that ensures the client for a sustainable businessConducting internal market research studies on financial products & delivery and guiding Summer interns from reputed business schools.Closely interacting with all levels of management of private companies, NBFCs / MFIs and Clients.Assessing potential to replicate the business models and identify interested parties & support implementing in other areas.Major contributions at IFMR (CMF) are, Business plans for stand alone credit products were absorbed into over all business plan of ICICI clients.Financial assessment of an MFI i.e CST, Salem was done for reporting to funders. Successfully developed credit product and launched in Orissa for KAS Foundation. Various market linkage projects were purused in fisheries and agriculture and handicrafts with various MFIs like cashpor, Microcredit foundation etc.

This has been a fufilling role post MBA in management position. Important responsibilies of my role includesPlanning & Allocation of Marketing & Promotion budgets for the assigned brands Evolving strategies for Profitability of the brandsReviewing of product pricing and using differential pricing based on customer and crop profiles to increase the profitability of the assigned brands.Launching of new products and identifying new segments for existing products.Conducting Market Research Studies & training to the frontline staff on product knowledge.Interacting with technical collaborators and POP suppliers & DesignersBranding activities and events organizing for brand promotion.Monitoring and control of promotion budgets allocated to different branchesMajor achievements in this role are, Increased the sales of Portfolio brands by 60 % successively for two years and also profitability with innovative pricing.Successfully launched two new Brands into the market.Conducted internal market research on supply chain management to increase profitability of the company.Functioned as Key Interface for sales team at national level for product promotion inputs.Dismantling of distribution set up and increasing channel width by developing retail network to eliminate bad debts and undercutting problems during front line sales in AP.