• Designed and implemented Induction and Refresher Training modules, ensuring alignment with business objectives.• Conducted Training Planning, Budgeting, and Need Analysis based on business requirements to create targeted development programs.• Developed and rolled out various new training modules focusing on Code of Conduct (COC), Client Protection Principles, and CGT Quality.• Led strategic cost rationalization initiatives, planning and executing cost-saving measures across operations and business development.• Reduced the organization’s operating costs through effective budgeting and resource optimization.• Enhanced the skillsets of the field sales force with training on sales techniques, communication skills, leadership development, and delinquency management.

- Led strategic cost rationalization initiatives, planning and executing cost-saving measures across operations and business development.- Reduced the organization’s operating costs through effective budgeting and resource optimization.

Handling business and relationship with MFIs like Muthoot Microfin, Satin Creditcare, Satya MicroCapital, Adhiakar, Grameen Shakti, Sonata Finance, Savasti , Save Micro finance and many others.• Spearheaded initiatives to strengthen hygiene and environmental standards, integrating efforts with financial inclusion, healthcare, and waste management.• Collaborated with funding partners like WASTE, ACTIAM, UNU, and the Government of Netherlands, ensuring effective project implementation and alignment with donor expectations.

• Led projects focused on sanitation, health & hygiene, waste management, and clean energy, driving sustainable solutions to improve community well-being.• Developed and managed projects on water conservation, biogas, and sanitation supply chains, enhancing community access to clean and renewable resources.• Played a pivotal role in community development and education, creating awareness and fostering behavioral change for long-term impact.

Consultancy for Working Capital Loan for MFI, NBFCs, MSME. Venture Capital and Private Equity for Startup and Running Business.

• Spearheaded efforts in setting up a Working Capital Product for SMEs and structured the fund, including business planning, pitch presentations, and organizational setup.• Developed strategies for financing green ventures and designed a credit guarantee-backed lending program for SMEs.• Managed overall banking operations and branch administration, ensuring smooth delivery of products and services tailored to customer profiles.• Successfully led the branch to operate as a profit center, ensuring compliance with statutory and regulatory requirements as mandated by RBI.• Handled and managed a diverse portfolio of loans and advances, assessing creditworthiness, identifying risks, and implementing measures to minimize credit exposure.• Developed performance metrics and managed deposit & advances mobilization, while identifying and mitigating risks to achieve business targets.• Ensured exceptional customer service standards, resolving issues promptly and maintaining high levels of customer satisfaction.• Oversaw the entire spectrum of credit administration, from appraisal of credit proposals to document verification, loan sanctioning, disbursement, and delinquency management.• Fostered strong business relationships with high net worth individuals (HNI) and corporate clients, providing end-to-end banking solutions and support.

• Senior Manager - Loans: Oversaw the entire loan lifecycle, including credit assessments, sanctioning, and disbursement, while implementing effective risk management strategies to mitigate credit exposure.• Asst. Regional Manager - HR and GAD: Managed the asset recovery process, collaborating with HR and General Administration Division (GAD) to enhance recovery strategies and streamline operations.• Corporate Branding and Publicity: Developed and executed corporate branding initiatives to enhance the bank's visibility and reputation, ensuring alignment with the bank's strategic objectives and values.• Corporate Strategy & Planning: Played a pivotal role in formulating and implementing corporate strategies that aligned with market trends and customer needs, driving growth and profitability.• Cash Management System: Managed and optimized the cash management system to enhance liquidity and efficiency in branch operations, ensuring compliance with regulatory standards.• Project Manager - OLTAS (Online Tax Accounting System): Led the implementation of the OLTAS project, streamlining tax-related banking services and improving customer access to online tax payments.• Retail Branch Banking: Directed retail banking operations, ensuring a seamless customer experience and efficient service delivery across all retail branches.• Retail Credit: Developed and managed retail credit products, focusing on enhancing customer satisfaction and meeting the evolving needs of retail clients.• Current Account, Savings Account (CASA): Implemented strategies to increase CASA deposits, fostering customer relationships and promoting financial products that meet customer requirements.

Marketing and Sourcing of Home Loans for Citibank.