Over 25 years of experience in entire gamut of Retail Banking. Demonstrated excellence in determining & formulating policies and procedures and providing overall direction to growth at Branch and Regional Level. Deft in planning, directing and facilitating operations at highest level of management; developed competency in implementing strategies towards enhancing business volumes. Strong business acumen with skills to remain on the cutting edge and drive new business for various banking products. Resourceful at maintaining relationships with clients to achieve quality products and service norms by resolving their service related critical issues. Widespread knowledge and practice in multi branch functioning and operations, including devising & implementing policies, budget formulating, estimation & auditing and enhancing financial controls.Skilled at analyzing prevalent financial & economic environment, identifying business risks & implementing effective mechanisms to mitigate the same. Deft in monitoring client's portfolio performance, conducting profitability analysis, rendering sustained advisory services for securing high ROI and increasing retention levels. Proficiency in spearheading operations/businesses with an aim to accomplish corporate plans & goals successfully. An effective communicator with excellent planning, leadership, problem solving and analytical skills.