Kumar Utsav

Kumar Utsav

... ...
29 years

Technology evangelist with interest in creating value-added solutions, using lean and legacy technologies, for Banking clients and Healthcare insurance providers, experience in building high-performing cross-functional teams while working with business stakeholders.

  • Banking & Financial Services
  • IT / ITeS

... Functional Expertise

  • Technology
  • Finance

... Committee

  • Finance Committee

... Achievements

  • Promoted to Manager under Fast Track Process.
  • Facilitated by Zonal Head of Indian Bank, Bhopal Zone for efforts in mobilizing of SBI-Life Business.
  • Appreciated for outstanding performance as Programmer Analyst in Cognizant. 

... Certifications

  • CAIIB in IT by IIBF, Feb’20.
  • JAIIB with First Class by IIBF, Jul’19.

Work Experience | 81 months

... Career Highlights

Banking Operations Management

  • Managed CASA Deposits worth INR 132+ crores in a city branch achieving a 13.21% growth in CASA in FY 2020-21.
  • Led the technical merger process of Indian & Allahabad Banks for 2 Gwalior Branches.
  • Managed branch employees for seamless branch operations achieving business objectives.
  • Drove digital adoption and devised strategies for cross-selling, improving penetration for digital and Third-Party Products & various Govt schemes.

Credit Portfolio Management

  • Led Credit Portfolio of INR 25+ Crores across 400+ MSME, retail and individual customers.
  • Performed the due diligence, financial analysis, and periodic reviews for customers.
  • Organized camps and made individual visits to attract new customers, achieving a INR 1.67 Crore  growth in Credit Portfolio.
  • Prevented COVID impacted loan accounts from slipping to NPA’s through monitoring.
  • Devised and Implemented new Strategies for NPA/Stressed Loan and achieved the recoveries through active Negotiation and One Time Settlement. 

IT Development and Strategy

  • Gathered and analysed requirements, discussed and cleared the gaps that may be present in client’s understanding.
  • Developed Business Modules using technologies such as Core Java, Spring, and Web-Services following Agile Based Methodology.
  • Planned and devised solutions based on client feedback and delivered upgrades to ensure maximum productivity and quality.
  • Contributed immensely towards improvement in sprint velocity by around 30%.