- Responsible to deliver the Business strategic priorities for the HNI segment (Resident and NRI) of DBS Bank India called "Treasures". The candidature includes driving the New Client Acquisition, deepening of AUA/Balance sheet (Wealth, Deposits & assets), Revenue delivery, Cost consciousness and therefore the P&L - Manage the business through journey mindset (MTJ), hence driving the horizontal and the vertical for both Qualified Treasures, HIAP (non-qualified) and Branches- Tasked to design the Customer value proposition for Treasures including NRI segment- Wealth product suite – Product strategy, Manufacturer discussions- Capacity planning and Resourcing, Scorecard design and Performance monitoring - for both front end sales and central product teams. - Sales management – Target vs Budget performance, Productivity, RM deployment, RM incentive payout optimization - including cost to revenue- RM Career progression planning, training & development and employee satisfaction - Performance management - For Team leaders and individual RM/Hiap (VRM)- Driving Customer engagement- Client connect adoption, nudges and conversations, Client coverage- Ensure Regulatory compliance & Sales Governance & Controls (1st Line of Defense) and a Satisfactory Audit

Was a part of the LVB to DBS transition, DBS now has ~524 branches of which I lead ~344 branches in South India. Responsible to deliver on the P&L by ensuring the Asset book Growth across the key focus products (Gold Loans, C-LAP, Personal Loan, SODD) and steer the growth of SME business through branches, working closely with the IBG 4 teams. Accountable to carry through the deposit growth (CASA/TD) through the Branches, CASA Sales officers, the Virtual RMs and Treasures RMs. Directly responsible to deliver the wealth revenues ( Investments, Insurance & FX) aided by the branch network, Virtual RMs as well as the Treasures Relationship Managers.

Steer the delivery of the Wealth Business (Investments, Bancassurance & Foreign Exchange business) strategy for the Consumer Banking Group. Responsible to execute and achieve the budgeted P&L for the year. Ongoing engagement with branches to gauge the competition pulse and market dynamics to deliver the product plans, including the introduction of new products to the suite. Manage the Digital Initiative for the bank for the Wealth segment, including the much needed client immersions, digital campaigns agenda & review of the evolving Customers Journey's regularly.

Responsible to deliver the Retail Bank's P&L target across Balance Sheet and Wealth Products, thru the Branch Banking Channel. Redefining the Retail Banking landscape in India, by creating a limitless reach for clients through the Enhanced Digital Banking and Alternate Channel Penetration. Ensure flawless Client Servicing and Immaculate Operations at branches, resulting in Clean internal & regulatory Audit Scores.

Lead a strong team of Investment Product & Sales experts Nationally. Manage the P&L for the segment. Develop Sales and Product Strategies yet preserving advisory Integrity. Ensure smooth flow of the backend and Frontline processes. Handle Relationships with the Product Manufacturers and the Regulator (RBI, SEBI & AMFI ).

Successfully led the largest team of Relationship Managers and Team leaders, handling the Wealth Assets and the Liability Book of the Region. Ensured delivery of the Sales and Service vectors across Banking, Investments and Bancassurance Products.

Effectively Led a team of Relationship Managers to deliver the Revenue Performance Contract thru Management, Deepening and Acquisition of the Current & Savings Account Liability Book and Sales of Investment & Bancassurance Products. Ensured Client Satisfaction thru servicing excellence

Turned around the Gurgaon Branch with Smooth Operation, Sales Delivery across Products like Current & Savings Accounts, Credit Cards, Credit Line, Personal Loans, Investments and Bancassurance, Coupled with a Perfect Branch Audit

Set-up & Managed a 32 member team to acquire Credit Line and Personal Loans Clients. This was a direct Initiative of the Bank

Managed 40% of the total Car Finance Business of the Bank through the Direct Sales Associates Channel.

Successfully managed 46% of the total Car Financing Business of the Institution

Acquired, analysed and appraised client businesses to administer topline in Lending for Hire Purchase or Lease of Plant & Machinery, Discount Purchase Bills or lend thru collaterlised Inter Corporate Deposits. Also represented the company in the court of law.