Spearheading zone comprising of 61 branches with 548 human assets and book size of 400 Bn INR. Aligning operations with organizational goals to drive revenue growth and market expansion.Formulated and executed robust business development strategies to penetrate new markets, acquire new clients, and enhance the overall market share for the bank.Ensured strict adherence to regulatory requirements, internal policies, and risk management protocols to safeguard assets, maintain compliance, and mitigate potential risks.Championed organizational change initiatives within the zone, effectively communicating vision, managing resistance, and driving adoption of new processes and technologies to enhance efficiency.Prioritized customer-centric initiatives, ensuring exceptional service delivery, addressing customer feedback promptly to drive customer satisfaction and retention rates.Collaborated closely with cross-functional teams, to align strategies, leverage synergies, and achieve collective goals.Consistently exceeded key performance indicators (KPIs) and targets, including revenue growth, market share expansion, customer acquisition, and profitability, demonstrating strong leadership and execution capabilities.Key Achievements :Leading the Start up initiative for the region by identifying startups through DPIIT/ Inc 42/ Entrack / and understanding their businesses models and help them scale through banks distribution network / Card base / Lending capabilities and API integration. Instrumental in Onboarding 23 out of 24 Unicorns in NCR.Specialist in ME / PA- PG / Escrow & Nodal Agreements. Instrumental in acquiring and onboarding the largest PA /PG Players of the industry with the Bank.Instrumental in leveraging cross functional team capabilities to garner market share such as change of FD buckets through Treasury as per market demand, engaging with IT teams for development of new APIs and enhancement in IT capabilities to acquire and onboard new PAPG players.

Developing an annual business plan and specific market focused strategies and activities to achieve agreed upon growth and profitability ( including Market Shares )Ensuring efficiency in operations and that the individual & group targets are met, by managing & monitoring the performance of team members.Implemented operational best practices, streamline processes, and optimize resource allocation to improve efficiency and productivity.Developed and nurtured strong relationships with key stakeholders, including clients, regulatory bodies, and internal teams, to foster trust, loyalty, and collaboration.Collaborate with cross-functional teams, including product, marketing, and technology, to develop and launch new products, services, and customer acquisition strategies.Drive customer-centric initiatives, address feedback, and resolve escalated issues to enhance customer satisfaction and retention rates.Champion digital transformation initiatives and innovation projects to enhance service delivery, drive customer engagement, and improve operational efficiency.Acheivements:Reduced staff attrition by 50% by enabling a conducive environment for staff to meet plans and grow professionally.Doubled the Book from INR 113Bn to INR 214Bn in 3 years Expanded in deeper geographies by opening 11 branches in said period.Over exceeded targets across Liability / Assets and TPP with healthy margins.

Moved to Retail Branch Banking as Cluster Head for Noida,in Dec 2014Handled various geographies as Cluster Head for Central Delhi and later Cluster Head South Delhi.Lead and oversee the operations of 12 branches within the assigned cluster, driving business growth, customer satisfaction, and operational excellence.Develop and implement strategic plans and initiatives to achieve revenue targets, expand market share, and enhance the overall performance of the cluster.Provide leadership and direction to branch managers and staff, fostering a culture of collaboration, accountability, and high performance.Drive sales and service excellence through targeted training programs, performance incentives, and continuous coaching to frontline staff.Ensure compliance with regulatory requirements, internal policies, and risk management protocols across all branches within the cluster.Drive customer-centric initiatives, address feedback, and resolve escalated issues to enhance customer satisfaction and retention rates across the cluster.Acheivements:Moved to Retail Branch Banking as Cluster Head for Noida,in Dec 2014, turned around underperforming Cluster to meet Liability and TPP plans by Mar’15. Cluster size INR 89 BnElevated to Larger Cluster of Central Delhi in April’15, developed strategy for Market segmentation and growth.Overachieved Plans and grew Liability book 75% in 2 years i.e from INR 106 Bn to INR 185 Bn in Mar’17.Elevated to Larger Cluster of South Delhi in April’17. Overachieved Liability every Year and met all TPP and ASSETS Plans.Developed strategy to acquire Government and Embassy Business to Grow Cluster book size by 30% annually.

Responsibilities:Responsible for Achievement of CASA New Acquisition Value (NAV) & Number plan for the Region by acquisition of New to Bank customers through Direct sales Teams. Responsible for meeting Sales Targets for X-Sell of other banking products such as ASSETS/CREDIT CARDS/ INSURANCE / LIABILITY PRODUCTS to New to Bank customers.Job function included Recruitment / Training and Daily Business Monitoring for large Distribution Franchisee comprising of contractual and on rolls Bank staff.Responsible for adherence to Compliance norms is Sales Acquisition including KYC norms as set by the Bank.Involves regular co-ordination with various business divisions internally for Product Sales & DevelopmentResponsible for Cost to Income for sales team operating in the Region.Development of distribution franchisee through formation of different verticals for sales of right product through the right channel in the right market.Continuous Exploration of opportunities for development of sales.In captioned role I lead Liabilities business coupled with Assets and third party products. The structure included 5 direct reportees (AVPs)and team size of over 350 managers and 1000 feet on street sales officers below the direct reportees.Managed Book size is INR 35 Bn including Liabilities and Assets products.

Responsible for overall Business and Sales Compliance in states of UP / Uttaranchal / MP & Chhattisgarh. Responsible for Achievement of CASA NAV & Number plan along with X-sell of ASSETS / INSURANCE & other LIABILITY PRODUCTS to New to Bank customers for the Region.Instrumental in expanding geographies with launch of 18 New branches across UP & MP during the tenure.Responsible for Resource Planning / Recruitment / Training / Process setup / Sales Compliance & After Sales delivery from the new teams in line with standards of HDFC Bank.Partnership and Liaison with various internal divisions such as Marketing / WBO Operations / Admin & HR for successful launch of new branches and setup of sales teams.Undertaking promotion activities in the existing & new territories in conjunction with Marketing post obtaining necessary approvals for District Administration.Managing relationship with various divisions such as Branch Banking /ASSETS / Insurance and Compliance for smooth operations of teams in the territory.Formulate effective marketing plan and deliver all marketing activities within the agreed budget.Responsible for Cost to Income for sales team operating in the Region.

Heading Telesales operations for Delhi NCR for Sales of Credit Cards to new customers & Customer Life cycle Management of existing acquired Credit Cards portfolio. Responsible for 3 Outbound call centers with cumulative workforce of approx 300 Telesales & 70 Feet On Street executivesResponsible for Sales of Credit Cards to new customers from 2 Outbound call centers & carried targets for Cash on Call / Bill Transfer/ EMI Products & General Insurance from CLCM teams based from 3rd Call Center.Complete operation of the local offices.Coordination & Liaison with Sales Compliance teams in Mumbai & Cards product teams at Chennai for effective implementation of Sales processes & Service delivery.Responsible for Recruitment & Training of new hires.Responsible for liaison with Telecom Operators & Admin teams for seamless daily operations.Grew telesales operations from 1 Outbound call center with 50 executives to 3 call centers with approx 350 executives.

Responsible for universal implementation of Sales processes across southern states of Karnataka / Kerala / TN & Andhra.Responsible for conceptualization of Customer sales promotion activities for the Region across Liability & Asset Products.Responsible for Development / Communication & Settlement of Sales Contests within teams for development of competitive spirit and increase in sales throughput.Responsible for calculation & computation of Sales Incentives for the Region.

Logistics Manager for transfer of 3PL Logistics Solution for GE Medical systems from Pune to Bangalore and startup new process for other GE subsidiaries.Responsible for Co-ordination with Global warehouses for in time delivery of inbound shipment of raw material.Responsible for Co-ordination with Airlines / Customs for out bound shipments.Handling all export formalities and documentation, logistics and warehousing in Export Promotion Zone

Solicited business from new customers basis standard product offering by the company.Worked with existing customers on development of Freight Delivery on new routes.Worked with various business partners such as Shipping / Freight carriers for freight quotation and service delivery.