• Reported to the President & COO and responsible for the entire Retail Liabilities Product(that includes Prepaid card & acquiring) & Third party products business performance of the bank• Responsibility includes, product development, creation of sales structure, Sales Planning & Strategy to achieve the targeted growth levels in both sales volume & income from Retail Liability Products• Launched unique products like Cashless hospitalization against FD, Sweep-in & out facility for NRI’s• Being Head of Third Party Products, responsible for fee based income from the third party products viz., Life & Non-Life insurance, mutual funds etc.,• Achieved 100% growth year on year• Co-ordinated with HR for Manpower Planning, Recruitment & Training of the vertical and branch resources • Separate sales vertical created for overall product sales• Adhered to regulatory & internal KYC/AML/FEMA guidelines towards acquisition of New to Bank customers and transactions • Budgeting based on the overall banks growth requirement & ensure profitability of overall business

• Independent consultant for identification of new markets /domain requiring the IT software services/products• Being from the Banking domain, focused on the internal processes automation of the various branch & Central operations• Instrumental for ideation & development of cloud based web applications for the following o Document Digitizationo Online Approval Systemso Online Branch Registerso Deliverables Management Applicationo Statement Generation & Despatch Management application

• Reporting to the Vice President & Business Head (Retail forex & Remittances) and responsible for the entire business performance• Responsible for Sales Planning & Strategy to achieve the targeted growth levels in both sales volume & income from Retail Foreign Exchange Products(Prepaid Foreign Exchange cards, Cross Border Remittances(both outward & Inward)• Being Head of Sales Channel viz, Axis Bank Branches, Authorized Money Changers, Consultants & Travel agents and Corporates, responsible for target setting for these channels, based on the potential & achievement of the same• Based on the Strategy, responsible for the launch of campaigns/contests & ensure success of the same• Develop new product and channel on the basis of the market potential for sales & revenue generation• Effective utilization of the IT resources for automation of the processes involved• Responsible for Manpower Planning, Recruitment & Training in co-ordination with HR• Adherence to regulatory & internal guidelines towards acquisition of New to Bank customers• Expense Budgeting & ensure profitability of overall business

• Based out of Chennai & Reporting to National Sales Head• Head of a result oriented team of 21 Sales managers & Relationship managers under Retail Foreign Exchange Products (Treasury) to handle sales & relationships through different Channels viz, branches, Full Fledged Money Changers (Channel Partners) & Corporates• Responsible for achieving the income & sales volume• Provide end to end Retail Foreign Exchange solutions for the corporate entities having large volume of employees travelling outside the country for various projects.• Initiating Tie-up with various entities including banks for sale of Prepaid Foreign currency card & various other entities for routing their cross border retail outward & inward remittances.• Administer overall business to operate within the regulatory frameworks, by monitoring and supervising areas such as compliance of systems & procedures.

• Based out of the Chennai & reporting to Zonal Head - Business Banking• Responsible for acquisition & establishing relationships with Government departments, Public Sector Enterprises across the states through the network of branches and mentor a team consisting of Regional Relationship Managers at clusters & Business Banking Relationship Managers at Branches• Provide customized transactional banking solution to the Government departments / Boards/Public sector undertakings for their banking requirements• Provide banking solution for the e-initiatives of the Institutional/Government/PSU clients such as online utility bill collection, tendering/procurement through various online modes. • Responsible for implementation of the mandates acquired from Govt. departments for various collections like direct taxes, indirect taxes, State taxes etc.,• Efficiently achieve the Business & Income Budgets for Current accounts, Cash Management Services through Govt. Relationships• Cross sell of all other products of the bank which includes Corporate & Retail

• Led a team consisting of 15 employees of different grades and reported to Cluster Head/Regional Head.• Efficiently managed interviews, recruitments and developed training program for staff motivation. • Handled complaints; provided excellent customer service and communication at all levels.• Administered overall business to operate within the regulatory frameworks, by monitoring and supervising areas such as compliance of systems & procedures.• Achieved wealth management revenue targets by cross selling of Mutual Funds, Insurance (Life & General), built retail liability base by fresh acquisition of customers.• Oversaw the entire management of the branches including extension counters.

• Responsible for acquisition of retail liability products which includes Savings account, High Net Individuals, Corporate Salary accounts, Trust, Associations, Societies & colleges• Headed a result-oriented team reporting to Regional Sales Manager.• Increased the customer base by mobilizing new accounts and worked for active participation of existing customers through a variety of effective sales techniques.• Exceeded customer expectations in service and sales enquiries, provided excellent service, and matched products to customer’s need. • Handled and organized Recruitment & Training of Sales Executives, Market Research Executives, DCID Agencies / Direct Sales Agents.• Maintained excellent liaison with various internal groups for product development etc.• Initiated promotion of bank products utilizing various marketing and advertising strategies and conducted effective promotional activities, product awareness campaigns with high potential clients for growth and profitability.Also associated with…ICICI Capital Services Ltd, Chennai as Trainee (Jan 2000 - Feb 2001)• Acquisition & servicing of web trade (ICICI Direct) clients & cross selling of investment products (mutual funds, Bonds etc.)