Work with the CXO's of NBFC's/ Small Finance Banks /Fintech to: -Design New & re-imagine existing Products & Programs -Risk & Contol Metrics -Establish processes to meet internal & external customer needs - Formulate Business Rule Engine -Plan and Execute digitization of journeys: Vendor identification & shortlisting -Sales Planning, Business Development and Sales strategy -Sales SOP's

Mentor/ Consultant for Tally's financial arm Tally Capital.

Strategic Inputs on Business Process Transformation, Branch Efficiency & Policies

Credit Policies & Programs for SME business, BRE's, Competition landscaping & Policy Alignment.

Business Verticals: Small/ Medium Enterprise GroupPortfolio Management1. Regulatory Governance, EWS2. Audit Handling: Internal, Compliance, Process & Regulatory, 3. Risk & Control Self-Assessment 4. Pricing policy owner, implementation and controls5. Business MIS’s & DashboardsNew program development & acquisition strategy1. Templated/ Cluster based programs with defined objective parameters, deviation metrices, digital journeys, Go to Market strategy2. Portfolio & program life cycle managementManage the single largest team within Commercial Banking responsible for Business Credit, centrally. 1. Unit/Analyst level productivity & efficiency2. End to End TAT and CAM Quality.3. Channel & stakeholder management4. Recruitment, trainings & attrition management.

As Head of Product, Business Development & Portfolio Management for SME and Commercial Vehicle Business, manage the following:1. Responsible for Process Management, MIS' and digital transformation of business processing.2. Budgeting Balance Sheet and P&L's and reviews along with Group Head, Business Heads and Finance.3. Work in tandem with Business Heads and their Zonal teams to ensure Budgeted #s are achieved. 4. Cultivating the culture of cross-functional and cross-business collaboration.5. Responsible for Business side Risk and Control Self Assessment & Internal Audits.6. Target mapping, Goal Sheet Management and R & R for all Commercial Bank employees.7. Responsible for the Underwriting and Portfolio Management including EWS and housekeeping of SME portfolio along with a large team of Credit Analyst/ Portfolio Managers.8. Managing OEM relationships for Commercial Vehicle business for deeper franchise penetration.9. Work closely with Brand team for product placement and enhancing business development.10. 360 degree coordination with Risk, Finance, HR, Compliance, Legal and IT.

As Head of Business Development, Portfolio and P&L for Business Banking Assets & SME, following were the core responsibilities:1. Create sourcing avenues through conventional and other non conventional channels.2. Work with regional teams and the ecosystem for creating opportunities for both businesses.3. Tie-ups with various National & Local Industrial and Trade bodies to create further avenues.4. Work closely with Business Heads of both the vertical in achieving the top and bottom lines. 5. Managed a team of Analysts and Portfolio Management team and was responsible to ensure quality at on-boarding level as well as portfolio level.6. Work closely with the Product Heads to ensure solutions befitting the customer profile and segmentation

As Head of Relationship Management, following were the core responsibilities:1. Managing the Affluent Relationship Channel for Self-Employed Customers for the Bank2. Defining customer segmentation, life cycle framework & on-boarding processes.3. Preparing Business Requirement Documents to automate digital & automated processes.4. Creating need based solutions framework based on Analytics and customer behavior both on their Business as well as Personal Side. 5. Work closely with the Product Managers of various businesses for product penetration and wallet sizing.

To work closely with Business Head in finalizing annual budgets and P & L. Mapping annual budgets vis’-a-vis’ achievements, Sales effectiveness and customer penetration.Responsible for portfolio monitoring for EWS, process standardization & monitoring and managing the MIS cell.Coordinate with Marketing Team for product placement, marketing collateral and various acquisition and client activities.Coordinate with IT team and external vendors for developing portfolio management and monitoring platforms.To coordinate with various internal channels for developing cross-sell avenues for revenue generation/ sharing.

Leading a team of aggressive and progressive Relationship and Area Managers for North and East regions to meet targeted top and bottom line budgets.Prospecting new customers through Branch Banking, Privy & Wealth Relationships, Business Banking Acquisition teams and through other conventional channelsCoordinating with product and marketing teams for better product positioning.Managing client relationship and review the accounts along with a team of Credit Analysts and Trade RM’s at frequent intervals to analyze client risk and profitability.Meeting key relationships frequently to understand their current needs and requirements along with discussing their business plans.Coordinating with legal team and their appointed advocates and valuers both for prospective and stressed accounts.Understanding and evaluating the ever-changing economic scenario which helps the team in prospecting a new client better and also have a close watch on the existing client base.

Spearheading the retail personal loans and business loans business for North and East India.Formulating strategies to drive growth of retail lending products on all parameters viz. business generation, credit control and collections.Developing the business plans & budgets to achieve the revenue & market share targets. Strengthening the processes to effect stronger sales operations and customer acquisition/ retention. Augmenting the distribution network, providing sales & service support and enforcing channel & credit management policies.Analyzing the market needs, launching new products and building their market share.Tracking the competition and strategizing appropriately. Designing and implementing reward and training programs to develop and motivate own and channel’s manpower.

Developed the business for credit card enrolments in the assigned territory(Delhi NCR), in both institutional and retail segments.Mapped the territory, prepared and implemented business plans to attain the customer base profitability and growth targets.Organized local promotions & events and implemented the national sales strategy and marketing plans, to build the brand and acquire customers. Managed the relationship with channel partners and organized training programs on product, process and approval.

Marketed personal and housing loans to salaried employees of MNCs and reputed companies.Developed the database of prospective customers.Initiated and managed the relationships with senior management of target companies to negotiate strategic tie-ups. Organized presentations and seminars to create awareness and drive sales. Coordinated with internal departments and the Bank for timely processing of loans. Led a team of Business Development Officers and provided sales and training support to help attain their targets.

Marketed Equity Advance Schemes to stock brokers, brokerage firms and high net worth individuals.Identified the needs of prospective clients and proposed suitable products.Maintained high customer satisfaction levels and developed repeat/ referral business. Imparted product training to direct marketing and tele-marketing teams and also provided sales support.