Financial management

• Headed the Branch credit department managing a well-diversified credit portfolio of over ₹ 100 million.
• Kept NPA levels at 0.18% of the total outstanding credit portfolio through prudent risk management practices.
• Brought in high-value deposits of high net-worth customers of the branch strengthening the liability franchise of the branch.

Strategy and planning

• Conducted local market assessments to identify avenues of credit growth and optimized throughput to generate 45% diversified growth in FY18-20.
• Exceeded growth targets by ~68% in FY 19-20 by promoting inclusiveness with customers and better product focus.
• Ensured conduct of free and fair elections as a Micro Observer for the Lok Sabha Elections 2019 through detailed ground planning.

Operations/operational efficiency

• Extensive experience in Branch Operations with a focus on customer-centricity, ensuring customer delight by delivering quality service, ensuring minimum TAT.
• Led the digital initiatives of the branch resulting in higher participation of digital products in the revenue stream.
• Spearheaded the Finacial Inclusion initiative of the branch helping the weaker sections of the society avail its varied benefits. 

Technology improvement

• Optimized ETL application processes leading to 30% reduction in processing time(per cycle).
• Designed and implemented a custom reusable Data Quality framework integrated with ETL application leading to better data reliability.