Heading Business, HR,Operations & IT for own & managed portfolios of JLG, Individual lendings- Micro loans,MSME,TW, Housing Finance

Business Head - Micro Lending( JLG /Individual Loans)Heading Sales, Operations, HR , IT, Business Expansion for the Organisation.

Driving Two Wheeler finance in Rural & Semi Urban Markets of the Country

Building Asset/Liability book for the bank with 4 branches at Semi Urban/Rural locations across the State, setting up 6 more branches in FY15-16,heading 100 odd young & passionate workforce at branch/non branch location of the bank in Maharashtra.

Acquisition of Government Business in Maharashtra & Goa

New Business Acquisition of Large Corporates, Government of Maharashtra/central government and allied institutions for cash management, general banking operations,Forex,Trade, securing tax mandates etc.Managing Large Clientele viz MPESA ( Vodafone),Various Govt Departments etc.

Managing relationship with large corporates,generating fee through Trade & FOREX.Max utilisation of non-fund based limits offered to them &monitoring their Current account float .

Responsible for Sarfaesi initiation for West Zone

Managing a team of Debt Managers for recoveries in Mortgage Loans for Mumbai

Monitoring & following up of regular EMIs of Asset Based Securities & Mortgage Based Securities Pool which comprises of various Asset products such as PL ,HL,Auto,CV,Credit Cards & ensure that the credit rating of such pools are not downgraded by the agencies viz CRISIL .Ensuring continous revenue flow from these Securitised Pools would also help in avoiding drop in their valuation thus reducing Mark to Market losses for the Bank.

Leading a team of Managers based out of Rest of- Maharashtra, Gujarat & MPCG.Providing Cash Management Services- Payments, Collections & Cash options to SME clients of the bank. Responsible for CMS Set up, Service activation & Servicing existing relationships & sourcing new business.Cross Selling other Banking products to the CMS clients is additional mandate.

Leading a team of 6 Relationship Managers for Pune, Nagpur & Nashik based out of Pune.Responsible for generating Income for the bank through Increase in Current Account Float of SMEs who maintains a monthly avg bal of 10 lacs & aboveGenerating fee income as well by cross selling Investment products of ICICI Bank viz Mutual Funds, Insurance( Life & General), sourcing of FDs, providing CMS , cheque facilities,RTGS,Remittances for SMEs.

Mumbai, SME Liabilities, Trade & Assets in SEG, ICICI Bank for over 100 Elite SME clients maintaining average monthly balance of Rs 10 Lacs. Extending Cash Management Services (CMS), Door Step Banking (DSB), Corporate Internet Banking (CIB), Channel Migration, Current Account Variant Upgradation, extending Secured loans, non fund based facilities, passing on FOREX related leads to Business group for SMEs having turnover upto 1500mn.

Handling Financial Institutional customers , involved in product designing for Liability /Asset portfolio.Branch Banking for Micro Finance Institutional Clients, Jewel Loan and Business Correspondents of the Bank.

Managed a team of 9 Relationship Managers across the state and were Responsible for CASA, Cross sell of Insurance, Liab through Cooperative Banks, RRBs, UCBs, Sourcing of FDs through Agri Corporates, Selling of Micro Insurance, Sourcing of Rural Savings Account through the channel of Business Correpondents( BC)

Responsibe for Liabilities through Cooperative Banks for Karnataka & Goa.Provided CMS,Cheque Drawing Arrangement, CSGL ( Securities trading on behalf of Cooperative Banks,RRBs, UCBs etc. Cross sell of Insurance products( Life & General), Lending to Cooperative Banks,RRBs,Sourcing FDs from these FIs.Lending to Micro finance Institutions of Karnataka & Goa

Sales Resource for lending to Cooperative Banks, Agri Societies for entire Southern region of four states and Goa.Key AchievementsDeveloped and managed the highest ever deposit base through Cooperative Banks of Karnataka & Goa by touching Rs 5000mn in Dec 2006.Developed a market for lending to MFIs (Micro Finance Institution), NGOs, Section-25 Companies, Cooperative Societies etc in Karnataka and Goa during 2006.Created a huge pipeline (selected & approved receipt of micro loans to 43 clients) of prospective MFI clients with asset projections of Rs 3000 mn.Activated & advanced loans to 13 MFIs and created an asset base of Rs 1000 mn for Karnataka and Goa.Introduced and initiated Business Correspondent model through implementation of Biometric Smart cards/FINO with MFIs in Karnataka in 2006.Achieved Level-3 certification for Cooperative Bank Products. (Product & Process streamlining for Cooperative Banks segment for Karnataka)Built a strong data base and rapport with of 100 odd Cooperative Banks in Karnataka and Goa.

As Area sales Incharge for Western India from 1998 till 2000 for sales & Marketing Public Health Products to Institutional Clients viz,Government Health dept, Indian Army,Municipal Corporations etc.2000 onwards till 2005 , based out of Chennai as Area Sales Incharge for Insitutional Products & retailing of agrochemicals through Dealer/Distributor Network in Southern India & Chennai in TN respectively. Kerala Agro Chemical Retailing based out of Kochi from April 2005 till Sept 2005

Joined as Technical Officer responsible for Pest control Audit for manufacturing locations, Sale of Domestic Pest control products/Services for Institutional Clients, Food & Beverages Factories,Industrial Estates ,Hospitals, etc.Promoted as Base officer , Independently handling branch office of PCI at Kalyan, responsible for Sales & Business development for Mumbai's Central Suburbs from Kalyan till Kasara & Karjat for Pest Control Services & OTC products.