Banker with extensive experience in banking operations, managing delivery channels for customer acquisition and retention, efficient service standards and business delivery across geography. With an overall 22 years of experience in managing tasks related to commercial banking, of which the last 1.5 years in driving the Retail banking business as Regional BranchBankingHead at Chandigarh. A proactive manager with expertise in identifying key focus geographies, product &process innovations and business delivery . Competent in streamlining & improving existing systems / processes, innovating and envisioning new methodologies, future trends and driving development, direction and accomplishment. Part of core team working on improving products , solutions and Execution. Proficient in Rural Banking, Relationship Management, Corporate Banking, Retail Banking in an IT enabled environment. Expertise in distribution and have been part of several of the first initiatives of bank. Experience of developing strategy, catalyzing growth processes, distribution architecture and delivery channels to ensure overall business excellence. Experienced in developing and managing alternate channels like business correspondents, business facilitators and business partners. Excellent interpersonal & communication skills with strong abilities in client relationship management and staff motivation and retention. Responsible for Business expansion and growth in the Region so as to achieve the top line and profitability goals maintaining the compliance standard.

Banker with extensive experience in banking operations, managing delivery channels for customer acquisition and retention, efficient service standards and business delivery across geography. With an overall 22 years of experience in managing tasks related to commercial banking, of which the last 1.5 years in driving the Retail banking business as Regional BranchBankingHead at Chandigarh. A proactive manager with expertise in identifying key focus geographies, product &process innovations and business delivery . Competent in streamlining & improving existing systems / processes, innovating and envisioning new methodologies, future trends and driving development, direction and accomplishment. Part of core team working on improving products , solutions and Execution. Proficient in Rural Banking, Relationship Management, Corporate Banking, Retail Banking in an IT enabled environment. Expertise in distribution and have been part of several of the first initiatives of bank. Experience of developing strategy, catalyzing growth processes, distribution architecture and delivery channels to ensure overall business excellence. Experienced in developing and managing alternate channels like business correspondents, business facilitators and business partners. Excellent interpersonal & communication skills with strong abilities in client relationship management and staff motivation and retention. Responsible for Business expansion and growth in the Region so as to achieve the top line and profitability goals maintaining the compliance standard.

Joined the circle and transformed the team into a high performing unit across parameters. Improved market share with close focus on branch profitability and reduced attrition.

The circle saw consistent outstanding performance year on year across business lines - growth in deposits, advances and fee.We could win some of the key retail, corporate and government relationships basis our capability to provide customised solutions. Crafted and lead a high performing team which nearly doubled the business in two years time.

This role helped me in going into details of resource management and productivity. We could craft a super performing team who delivered yoy growth of 25% with improvement resource productivity and reduced attrition. Worked and trained staffs at upcountry market on relationship management and how it works wonders if one gets it correct.

Created a high performing Team who dominated business across parameters with improved operational efficiency.

Converted this branch to a high performing team , we were the best branch Pan India in our category. Differentiator was focus on improving market share and resource productivity.

We crafted outstanding show on fee, lead by MF, alternate products and Insurance. Wealth management was a new role for me but very enriching, learning orientated and fulfilling.

A real high performing team who bagged several key relationships - individual to corporate to Government. XLRI , Tata Steel rural development etc.

Responsible for driving Liabilities products, coordinated on advances, fee. Branch and ATM expansion.

Responsible for branch's liability targets. We could capture key NTB clients. Worked on Individual team members on professional front - few of them grew up the ladder as performing professionals.

Manged after sale services, reconciliation of units for schemes floated by UTI.