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Work experience

Dec 2008May 2011

Asst Branch Manager

Bank of India - UK

 Managing the operations and sales of the newly opened branch in Glasgow with a deposit of over £ 18 million . The key objectives of my role were:

  •  Lead the NRI products and services segment that included: Non Resident Indian Accounts (INR - NRE, NRO), NRI Foreign currency accounts (FCNR), Resident Foreign Currency accounts (RFC), Inward and Outward SWIFT remittance management 
  •  Managing day-to-day branch banking and ensure development of the branch in all aspects like  cross sell, sales and services culture.
  • All weekly, monthly and annual reporting to zone and head office
  • Interest rate sensitivity gap analysis and reporting.
  • Reconciliation of all Nostro accounts
  • Support the Manager in developing regulatory structure in the branch.
  • Implementing the Banking code and KYC
  • Supporting and reporting Anti Money Laundering compliance.
  • Enhance and Contribute in the Growth of the bank through Business Development, smooth flow of work at branch level with constant interaction with zone and GPC, Profit and Cost Management, Customer Acquisition and Retention.
  • Advisory services to NRI customers regarding regulations laid down by Tax authorities and Central bank (Reserve Bank) viz. Money Laundering, Portfolio Investment schemes, Remittance limits etc.
Apr 2000May 2006

Manager - Operations

Axis Bank Ltd.

Manager (2002 - 2006)

Head of Operations for the branch and responsible for Service Delivery, Operational effectiveness and adherence to regulatory environment. Key accountabilities:

  • KPI analysis for retail asset and liability products. Variance analysis and performance management of the team.
  • Lead a team of 8 to 10, which included Relationship Managers, Personal Bankers, Tellers & Sales Executives towards achievement of Cost optimisation standards, liability sales, cross-sell ratios & service delivery.
  • Ensure compliance with group audit guidelines and other regulatory compliance requirements viz. money laundering and Know your customer (KYC).
  • Managing the branch resources effectively and efficiently to achieve periodic goals set for the branch by the regional head.
  • Continuous process improvement to deliver the objectives of customer service, operational efficiency and strive towards the achievement of six sigma standards in terms of operational efficiency.
  • Personal & Professional growth of the team
  • Lead the NRI products and services segment that included: Non Resident Indian Accounts (INR - NRE, NRO), NRI Foreign currency accounts (FCNR), Resident Foreign Currency accounts (RFC), Inward and Outward SWIFT remittance management 

Executive, Deputy Manager - Branch Operations (2000 - 2002)

Joined Axis Bank Ltd in retail banking various roles performed during my stint as executive were:

  • Financial Advisory Service: Advising retail customers for Mutual fund investments, tax saving schemes, Corporate bonds, Central bank bonds and insurance products.
  • Cross Selling: Cross selling to existing customers being serviced was a key result area. The cross selling products included Credit Card, Car loans, personal loans, Depository accounts , CMS & safe deposit lockers.
  • MIS & Related duties: Basic analysis of branch business reports on a daily basis to compile reports for managers on a day to day basis. Also compile business reports for period end meetings i.e. Monthly, Quarterly, half yearly review to be used by Business Managers.
  • Interbank Clearing: This included inward & outward local clearing, Outward (National/International) bills for collection, inward bills for collection & inter bank settlements. Realisation of national /international bills.


Post Graduate Diploma in Managment

Symbiosis Institute of Management Studies


Computing Skills
MS Office Suite: Word, Excel, PowerPoint, Visio and DBMS. Banking Systems: Advanced User: Finacle & TCS Banking Software, Swift and Midas Misys.  


  • An astute professional with over 8 years' experience in Banking Operations and business development.
  • A proactive Manager with good understanding of marketing skills through various academic projects and experiences.
  • Adept at people management, maintaining healthy employee relations, handling employee grievances thus creating an amicable & transparent environment.
  • Proficient in managing promotional strategies, building relationships with clients & achieving desired goals.
  • Possess excellent communication, relationship management & team building skills with dexterity in mentoring and managing teams.


Hiking, Mountain Safaris & Painting.


Certified Investment Advisor

Association of Mutual Funds of India