Harish Rao

Work History

Work History
Dec 1999 - Present

Channel Manager

HDFC BANK LIMITED

HDFC Bank Limited                                                                                                       Dec 1999 to date

1.      Function               Retail Foreign Exchange & Trade Services                                                                   

Designation          Senior Manager                                                                    Oct' 2008 to date

Functional Role     Channel Manager - Acquisition, Retention and Enhancement

Key Deliverables:

  • Monitor sales process and conformity of the working model by the sales channel. Periodic review of working model by conducting regional visits
  • Monitoring of monthly performance through scorecard and draw actionable on concern areas.
  • Synergies the strengths of other channels to cross sell RFX products - Managed customer base, Current account, NR Customer base, Salary accounts
  • Driving branches and channels to achieve business goals which includes - Branch activation, new customer acquisition and customer activation
  • Draw contest to increase business or to improvise performance of under performing branches
  • Design campaigns to improve forex product penetration and improve customer engagement
  • Assess RFX product training need for other channels and provide support with the help of Trade SM to share the learning's

2.      Function               Liabilities Product Management                                                         

Designation          Senior Manager                                                                        Oct' 2004 to Oct, 2008

Functional Role     Product Manager - Salary accounts

Key Deliverables:

A.    Product Management

  • Define competitive and market information to ensure market insights are factored in product strategy and new product launch process.
  • Working with Business Analytics team to identify specific behavior of existing customers and draw strategy to enhance relationship and achieve business objectives.
  • Identification of new product opportunities, understand channel dynamics, target market, sales process and competitive environment.
  • Propose, design and deliver product solutions to meet business needs.
  • Track business performance and highlight deviations.
  • Analyse existing business segments for profitability to enable - focus on profitable segments and issue caution on unprofitable ones.
  • Publishing MIS for Regions and channels to highlight concern areas and issue actionable to correct deficiencies.

B.    Business Analysis

  • Tracking business performance month on month and identifying deviations.
  • Analysing business trends for each portfolio component.
  • Analyse customer behavior to identify options to enhance relationship and improve profitability.
  • Tracking profitable customers - individual and corporate.
  • Publishing business MIS to business heads, channel heads for information and follow-up for actionable.
  • Preparing portfolio business letter.

3.      Function               Depository Services - Transaction Services                      Dec' 1999 - Sep' 2004

Functional Role     Deputy Manager - Operations

Key Deliverables:

Managing day-to-day operational activities

  • Controlling and managing operations and deliverable quality
  • Defining processes
  • Team Management
  • Contingency planning
  • MIS generation
  • Business performance reporting
Dec 1999 - Present

Channel Manager

HDFC Bank Limited
  1. Function               Retail Foreign Exchange & Trade Services                                                                   

Designation          Senior Manager                                              Oct' 2008 to date

Functional Role     Channel Manager - Acquisition, Retention and Enhancement

Key Deliverables:

  • Monitor sales process and conformity of the working model by the sales channel. Periodic review of working model by conducting regional visits
  • Monitoring of monthly performance through scorecard and draw actionable on concern areas.
  • Synergies the strengths of other channels to cross sell RFX products - Managed customer base, Current account, NR Customer base, Salary accounts
  • Driving branches and channels to achieve business goals which includes - Branch activation, new customer acquisition and customer activation
  • Draw contest to increase business or to improvise performance of under performing branches
  • Design campaigns to improve forex product penetration and improve customer engagement
  • Assess RFX product training need for other channels and provide support with the help of Trade SM to share the learning's

2.  Function               Liabilities Product Management                                                         

Designation          Senior Manager                                                Oct' 2004 to Oct' 2008

Functional Role     Product Manager - Salary accounts

Key Deliverables:

A.    Product Management

  • Define competitive and market information to ensure market insights are factored in product strategy and new product launch process.
  • Working with Business Analytics team to identify specific behavior of existing customers and draw strategy to enhance relationship and achieve business objectives.
  • Identification of new product opportunities, understand channel dynamics, target market, sales process and competitive environment.
  • Propose, design and deliver product solutions to meet business needs.
  • Track business performance and highlight deviations.
  • Analyse existing business segments for profitability to enable - focus on profitable segments and issue caution on unprofitable ones.
  • Publishing MIS for Regions and channels to highlight concern areas and issue actionable to correct deficiencies.

B.    Business Analysis

  • Tracking business performance month on month and identifying deviations.
  • Analysing business trends for each portfolio component.
  • Analyse customer behavior to identify options to enhance relationship and improve profitability.
  • Tracking profitable customers - individual and corporate.
  • Publishing business MIS to business heads, channel heads for information and follow-up for actionable.
  • Preparing portfolio business letter.

3.      Function     Depository Services - Transaction Services      Dec' 1999 - Sep' 2004

Functional Role     Deputy Manager - Operations

Key Deliverables:

  • Managing day-to-day operational activities
  • Controlling and managing operations and deliverable quality
  • Defining processes
  • Team Management
  • Contingency planning
  • MIS generation
  • Business performance reporting
Aug 1998 - Dec 1999

JUNIOR EXECUTIVE

UTI SECURITIES EXCHANGE LIMITED

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Retail Broking, Junior Executive    Aug’ 1998 – Dec’ 1999

Key Deliverables:

Retail Broking and Depository Service

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  • Managing of Payin and Payout of securities in Demat and physical form.
  • Reconciliation of client accounts under Retail broking segment.
  • Handling and monitoring of Pay-in and Pay-out of Securities for NSE.
  • Managing securities Bad Deliveries, Company Objections and interacting with clients and branches for making the deliveries good.
  • Interacting and corresponding with clients and branches.
  • Interacting with clients for issues related to Payin / Payout of securities.
Aug 1998 - Dec 1999

Junior Executive

UTI Securties Exchange Limited

Retail Broking, Junior Executive                                                Aug' 1998 - Dec' 1999

Key Deliverables:

Retail Broking and Depository Services

  • Managing of Payin and Payout of securities in Demat and physical form.
  • Reconciliation of client accounts under Retail broking segment.
  • Handling and monitoring of Pay-in and Pay-out of Securities for NSE.
  • Managing securities Bad Deliveries, Company Objections and interacting with clients and branches for making the deliveries good.
  • Interacting and corresponding with clients and branches.
  • Interacting with clients for issues related to Payin / Payout of securities.

Education

Education
Jun 2002 - Apr 2005

Master in Financial Management

University of Mumbai

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Executive MBA from MumbaiUniversity thru Narsee Monjee Institute of Management Studies (NMIMS). Completed in year 2005 with 62% aggregate marks.

Project work:

  • 1st year – Retailing in India – Led the project with a team of 8 colleagues. Project was judged as the best in the class. Project was completed under the guidance of Prof. Shrikant Limaye.
  • Final Year – Project on importance of ALM (Asset-Liability Management) in Banks under the guidance of Prof. N S Shetty.
Jun 2002 - Apr 2005

Master in Financial Management

University of Mumbai

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Executive MBA from MumbaiUniversity thru Narsee Monjee Institute of Management Studies (NMIMS). Completed in year 2005 with 62% aggregate marks.

Project work:

  • 1st year – Retailing in India – Led the project with a team of 8 colleagues. Project was judged as the best in the class. Project was completed under the guidance of Prof. Shrikant Limaye.
  • Final Year – Project on importance of ALM (Asset-Liability Management) in Banks under the guidance of Prof. N S Shetty.
Jun 2002 - Apr 2005

Master in Financial Management

University of Mumbai

Master in Financial Management:

  • Executive MBA from Mumbai University thru Narsee Monjee Institute of Management Studies (NMIMS). Completed in year 2005 with 62% aggregate marks.

Project work:

  • 1st year - Retailing in India - Led the project with a team of 8 colleagues. Project was judged as the best in the class. Project was completed under the guidance of Prof. Shrikant Limaye.
  • Final Year - Project on importance of ALM (Asset-Liability Management) in Banks under the guidance of Prof. N S Shetty.