Financial executive with over 18 years of retail banking and corporate leadership experience. Instrumental in achieving significant cost reductions and revenue improvements through reengineering, team building, and leadership expertise. Proficient in generating policies and procedures to enhance the working of the organization. Problem solver who develops effective strategies for business development, improving operations and increasing profits while ensuring compliance with regulatory requirements. Solid business background with extensive knowledge of Retail and SME Branch Banking across geographies (Tamil Nadu, Andhra Pradesh, Karnataka, Mumbai and West Bengal)• Branch Management (P/L) • Liability Book Management (CASA MIX / NII Focus) • SME Core Banking• Financial Services Product (Investment and Insurance) • Branch Operations Management (Cash/teller/clearing/ATM) • Regulatory Compliance• Cards • Cost Management • Sales Management• Project Management• NRI Services • Relationship Management• Forex Management • Vendor Management• Asset OriginationSpecialties: •Strategic Planning and Execution•Business Development•Organizational Development and HR Management•Marketing, Development of a Sales Culture, and Relationship Management •Strategic Team Management•Branch Administration and Operation•Budgeting, Revenue Enhancement and Expense Control•Greenfield Business Vertical / Branch setup•Bank Integration management (TIMES bank and HDFC bank)•Wealth Management and Liability•Wealth Regulatory Compliance•Resource Planning and Allocation