As the Senior Vice President and Head of Strategy for Secured Products within the Retail Portfolio Management Group at Axis Bank, I am responsible for leading the strategic direction, product innovation, and portfolio management of secured products. My role encompasses crafting long-term strategies, optimizing portfolio performance, and driving resolution growth through data-driven decision-making and market insights.Key responsibilities include:Developing and executing comprehensive business strategies to enhance the performance of the secured products portfolio, aligning with the company’s overarching goals.Overseeing risk management and credit policies to ensure a balanced and profitable portfolio, while maintaining regulatory compliance and risk mitigation.Collaborating with cross-functional teams including risk, finance, sales, and marketing to deliver innovative solutions and product enhancements that meet customer needs and market demands.Driving digital transformation initiatives to streamline operations, enhance customer experiences, and improve overall portfolio efficiency.With extensive experience in strategic leadership, product development, and portfolio management, I am committed to driving innovation and growth in the secured products space. My focus is on delivering sustainable value while fostering a culture of excellence and continuous improvement across the retail portfolio management group.

Product Head : Strategy & Analytics - Debt Service ManagementMortgage - HL + Non HLBusiness EnterpriseCorporate Based Lending Business Loan Secured & Unsecured Rural Business CreditCommodity Based FinanceGold Loan

As a Product Head for Strategy and Analytics in Debt Service Management, I am responsible for developing and implementing strategies to manage various types of debt services. Here is a brief overview of the products that fall under my purview :Mortgage : Mortgage loans are secured loans that are taken against the borrower's property. Home loans (HL) are a specific type of mortgage that is used to purchase or construct a home, while non-home loans (Non HL) are used for other purposes such as renovations or personal expenses.Business Banking: Business banking refers to a range of banking products and services that are tailored to the needs of businesses. This may include loans, lines of credit, cash management services, and other financial products.Rural Business Credit: Rural business credit is a specialized loan product designed to support the development of rural areas. These loans are typically given to small businesses in rural areas to help them grow and create jobs.Commodity Based Finance: Commodity based finance is a type of financing that is secured by commodities such as oil, metals, or agricultural products. These loans are typically given to companies that operate in the commodity sector.Gold Loan: Gold loans are given to borrowers against their gold jewellery or coins as collateral. These loans are typically used for personal expenses, such as weddings or medical emergencies.As the Product Head, my role is to analyze the market and develop strategies to make the product profitably. I am also responsible for analyzing the performance of these products and making recommendations for improvements. Additionally, I work closely with other teams such as sales, marketing, and risk management to ensure that the products are marketed effectively and managed properly.

Unit Head - Strategy & AnalyticsBusiness Loan Secured / UnsecuredRural Business CreditLoan Against HypothicationGold Loan

Unit Manager - StrategyBusiness Loan Secured / UnsecuredRural Business CreditLoan Against HypothicationCommodity Based Finance

Product Manager - Business Loan Unsecured

Regional Debt Manager - Small Enterprises

Area Debt ManagerPersonal LoansSmall Ticket Personal LoanCredit Cards

Debt ManagerPersonal LoanSmall Ticket Personal Loan