• Spearheading Retail Lending Business with setup of new distribution in Northern markets of India• Started from one branch and launched 11 branches and built a book size of more than 350 Cr in the last 3 years of operation along with management of portfolio efficiency.• Built and onboarded a large team of more than 200 on-roll employees inclusive of sales, credit, service & operations personnel such as Branch Manager, Branch Credit Manager, Asst Branch Manager, Sales Managers , Operations Manager and DSTs in an efficient manner to increase productivity of team.• Efficaciously achieving budgeted numbers through product mix i.e. Micro LAP and Unsecured Business Loan• Cost Management - Tracking cost lines - Salary, Incentives, cost for loan on boarding & WIRR• Minimizing pre & post disbursal discrepancies and managing TAT’s on credit & processing• Developing talent pool within the team by providing mentoring, knowledge sharing, ongoing feedback, coaching & development opportunities for individuals to enable achievement of defined goals through highly motivated team

• Managed multiple branches within Delhi-NCR markets with a total book size of more than 400 Cr• Successfully achieved business targets through product mix i.e. Loan Against Property, Secured and Unsecured Personal Loan, Business Loan, Used Car Loan, Gold Loan, LAS and MF.• Leading a large team of on-roll employees spread across multiple locations.• Managing portfolio efficiency

 Led Sales Team of 14 Retail Branches in New Delhi and NCR and achieved the budgeted product volumes in terms of acquisition of New to Bank customers (Current, Saving, FD & NR Accounts). Conducted structured review of SPARC (Sales Process Adherence & Review Compliance) across branches. Successfully achieved revenue targets through third party products (Life & General Insurance; Credit Cards; Home Loan & LAP; Gold Loan; Mutual Funds; Retail TFx) Spearheaded a team of over 120 members comprising of Area Sales Manager, Branch Sales Manager and Relationship Officers and increased the overall productivity

 Efficiently achieved sales & revenue targets through new customer acquisition across assigned branches in New Delhi & NCR.  Managing a team size of more than 75 employees comprising of "Branch Sales Managers" and “Acquisition Managers”  Implementing sales processes and regulatory requirements Successfully launched & managed a new initiative i.e. High Value Acquisition Channel in Apr-2010. Bagged Trophy of Best Area Sales Manager for contributing in Insurance Sales in FY 2012-13 and generating revenue of INR 7.5 Million. Achieved revenue target through cross selling of third-party products Won awards for various contest for products like CASA, Term Deposit, Insurance, Car Loan, Loan Against Property. Successfully managed launch of 3 new retail branches in New Delhi.

• Handling a base of non-RM mapped HNI clients (AUM< 5o lacs) within 12 retail branches in Central and North Delhi• Managing a team of “Phone Banking Relationship Managers” and “ Financial Consultants” in order to give personalized banking services and investment advisory to the HNI clients • Nurture the growth of long term business relationship with target affluent retail customers• Responsible for meeting Revenue targets through fee based products like Mutual Funds, Insurance, Structured Products, Real Estate, Foreign Exchange Services, Gold etc• Acquisition of New to Bank HNI customers (Net relationship value of Rs.10 lacs and above) • Training of branch staff on HNI product grid in order to promote cross-selling activitie

• Achieving the budgeted product volumes in terms of acquisition of demand and term deposits• To manage a team comprising of "Team Leaders" and "Sales Executives" in such a way so as to increase the overall productivity of the team.• Planning and implementing various sales and marketing activities for enhancing relationship value ,creating awareness and increasing reach within the catchment area• Competitor tracking and suggesting a proactive approach to gain market share• Monitoring sales team productivity and expansion of manpower linked to productivity• Training & Development of team members