Vikram Singh Email & Phone Number

Kurukshetra, Haryana, India

Facilitating Financial Access and Growth• Farmers struggled with complex banking processes. Simplified loans by partnering with banks and conducting 50+ workshops, enabling 500+ farmers annually to secure loans and boosting CASA deposits by 30% year-over-year.• Delays in loan approvals and documentation affected farmers. Streamlined processes through collaboration with banks, helping 500+ farmers annually secure government-backed loans and improve resilience.• Low savings account participation hindered financial inclusion. Partnered with banks to launch seasonal CASA products and awareness campaigns, achieving the fastest CASA growth with a 30% annual increase in deposits.Driving Revenue and Partnerships• Farmers underutilized financial products, limiting revenues. Facilitated cross-selling of insurance, loans, and investments, increasing adoption by 25% and boosting revenue by 20%.• Government partnerships were hard to secure. Engaged stakeholders to align solutions with goals, onboarding 10+ government accounts annually and funding agricultural initiatives.• SME engagement was low. Established banking partnerships and offered tailored solutions, increasing SME engagement by 25% and revenue.Operational Efficiency and Compliance• Compliance gaps and risks impacted operations. Implemented 10+ risk frameworks, conducted audits, and trained staff, achieving an AAA audit record with zero breaches.• Inefficient workflows delayed services. Streamlined operations, reducing turnaround times by 20% and improving accuracy.• Frequent cash handling errors caused issues. Designed reconciliation protocols and trained staff, reducing errors by 30%, improving transparency.Customer and Team Management• Farmers faced delays and miscommunication. Bridged gaps with banks to resolve grievances promptly, achieving 90% customer satisfaction and trust.• Uneven team performance affected delivery. Mentored staff with training and incentives, increasing productivity by 15%.

Lucknow, Uttar Pradesh, India

Trade Finance OperationsManaged trade operations across five countries, leveraging Total Quality Management (TQM) to improve transaction accuracy by 40%, reduce legal risks by 30%, and safeguard ₹500 crore annually.Collaborated with legal, risk, and finance teams to reduce compliance issues by 20% and adopted Agile practices, leading to a 15% increase in client retention.Treasury Operations & Cash Flow ManagementManaged daily cash flow of ₹50 crore using Just-in-Time (JIT) techniques, reducing borrowing costs by 20%, achieving annual savings of ₹1.5 crore, and maintaining liquidity for ₹100 crore in monthly transactions.Directed 75% of treasury operations, including multi-currency transactions across five countries, while supporting 25% of retail banking activities at the Lucknow branch, ensuring efficient treasury settlements and reducing processing times by 15%.Implemented accurate recording of ₹200 crore in customer receipts and supplier payments through Finacle and NEFT/RTGS platforms, reducing transaction errors by 30% and validating over 500 supplier bank details annually.Validated and updated 250+ supplier bank details within the Finacle and INFINET systems, reducing payment discrepancies by 25% and ensuring timely payments totaling ₹150 crore.Reconciled weekly bank account statements for ₹400 crore in assets, ensuring compliance with regulatory standards, enhancing fraud detection, and contributing to a spotless three-year audit record with a 40% improvement in compliance accuracy.

Sitapur, Uttar Pradesh, India

Compliance, Operational Efficiency & Risk Management• Boosted operational efficiency by 20% on ₹500 crore in transactions through process automation and KYC workflows, reducing risk by 30%.• Maintained AAA audit status for three years with zero compliance findings, ensuring 100% adherence to KYC, AML, and RBI standards for ₹150 crore in assets.• Developed compliance frameworks for client onboarding, improving KYC accuracy and reducing compliance gaps by 25%.Strategic Account Opening & Compliance Management• Opened 6,000+ salary accounts with full regulatory adherence, generating a ₹6 crore monthly float; optimized KYC protocols to achieve 100% compliance.• Increased CASA deposits by ₹40 crore by aligning account opening with cross-selling standards, achieving 50% growth in sales and adding ₹10 crore to revenue.• Reduced onboarding time by 40% through automated KYC and CDD checks, improving client satisfaction and meeting regulatory guidelines.Loan Disbursement, Priority Lending & Credit Management• Disbursed ₹50 crore in priority sector loans, benefiting 10,000+ farmers and meeting RBI requirements.• Cut loan approval time by 35% by streamlining compliance checks, increasing disbursement efficiency by 25%.• Eliminated non-compliance risks by implementing rigorous CDD and EDD for high-risk loans, achieving a zero non-compliance rate.Digital Transformation & Service Optimization• Increased digital adoption by 40% for 20,000 clients via Core Banking Solutions (CBS), automating compliance and reducing wait times by 60%.• Streamlined digital KYC verification, reducing manual errors by 75% and enhancing compliance accuracy.

Panipat, Haryana, India

At IB College, I developed and delivered courses integrating leadership, business communication, advertising, and rural marketing, focusing on practical application and real-world challenges. I have incorporated case studies, projects, and workshops to address rural marketing's unique aspects, fostering strategic thinking and problem-solving skills.. I led sessions on creating advertising messages for rural audiences using digital and traditional media, engaged with rural entrepreneurs and marketing experts to provide valuable insights, and spearheaded workshops and curriculum enhancements to promote leadership and rural marketing studies, showcasing a commitment to innovative and inclusive business education.

Master Of Business Administration - Mba, Business Administration And Management, General

Activities and Societies: At Hult International Business School, I engaged in yoga, meditation, and athletics, each offering distinct.

Master Of Business Administration - Mba, Marketing, 61%

An MBA in Marketing provides advanced expertise in crafting and executing marketing strategies, understanding consumer behavior.

Bachelor Of Arts - Ba, Economics

Activities and Societies: I developed a diverse set of skills through involvement in cricket, swimming, football, quiz competitions.