Experience

Infollion Research Services

• India
• Information Services
• 100 - 200 Employee

• Banking Consultant

  • Feb 2020 - Present

  ⭐Working in partnership with McKinsey & Company through Infollion Research Services as a Banking and Financial Expert ⭐Construct financial strategies for clients to enable them to achieve their respective fiscal goals . ⭐Suggest anticipation planning to avoid business liabilities that may arise from legal or regulatory risks. ⭐Advice retails businesses on Market Segmentation Expansion and Brand Differentiation ⭐Assist clients to gain momentum on Product Development and Market Size Penetration in their corporate endeavors of various stages



Insight Alpha

• India
• Information Services
• 100 - 200 Employee

• Retail Banking Specialist

  • Mar 2020 - Present

  ⭐ Strategize allotment of resources for corporate travel and halting in businesses ⭐ Negotiation of real estate deals for corporates according to their fiscal goals and volume of operation. ⭐ Advice on digitization of products to facilitate smoother functioning of the overall business ⭐ Provide insight on best practices for wholesale banking endeavors to clients ⭐ Strategize allotment of resources for corporate travel and halting in businesses ⭐ Negotiation of real estate deals for corporates according to their fiscal goals and volume of operation. ⭐ Advice on digitization of products to facilitate smoother functioning of the overall business ⭐ Provide insight on best practices for wholesale banking endeavors to clients



University of Engineering & Management (UEM)

• India
• Education Administration Programs
• 100 - 200 Employee

• Adjunct Professor

  • Aug 2020 - Present

  Responsible for teaching business, banking, finance and legal matter related courses for BBA and MBA students along with sharing of my real world experience in the same over the last 30 years in the industry . Courses taught: ⭐ Banking, Financial Services and Insurances (Fall 2020, Spring 2021, Fall 2021) ⭐ Business Law (Fall 2020, Fall 2021) ⭐ Direct Tax (Fall 2021) ⭐ Business Law (Spring 2022) ⭐ Auditing and Assurance (Spring 2022) ⭐ Management 1 (Spring 2022) ⭐ Direct Taxation (Spring 20222)



Life Insurance Corporation of India - LIC

• India
• Insurance
• 700 & Above Employee

• Panel Advocate

  • Nov 2019 - Present

  ⭐ Handling all the business conflicts such as tort claims, breach of contract or equitable claims for Life Insurance Corporation of India in Civil Courts and tribunals. ⭐ Providing legal advice on business affairs and strategic decisions of the organization. ⭐ Handling all the business conflicts such as tort claims, breach of contract or equitable claims for Life Insurance Corporation of India in Civil Courts and tribunals. ⭐ Providing legal advice on business affairs and strategic decisions of the organization.



Axis Bank ( In deputation at Axis Securities)

• Mumbai, Maharashtra, India

• National Retail Head and Chief General Manager( Senior Vice President)

  • Apr 2016 - Jun 2019

  I was National Retail Sales at Axis Securities ( In deputation ) . In Axis Securities I was in-charge of Sales of Retail Assets , Retail Liabilities and Third Party products. I had a Team of 32000 employees Pan India . In retail asset team was involved in sales of all retail asset products like HL, PL, EL, VL, SME and Agri Loans. I could achieve all the targets with yearly growth of more than 25%. along achievement of revenue budget. In the Liability division for the first time in the banking industry we started opening account through eKYC( addhar based) . I was also involved in the selling Third Party Products like Life Insurance, General Insurance and MF . I achieved the year to year targets with growth of 60% in revenue budget.



Axis Bank

• India
• Banking
• 700 & Above Employee

• Circle Head & Senior Vice President

  • Apr 2010 - Apr 2016

  I got posted as the Circle Head of Kolkata & Andamans. During My tenure as Circle Head I took the Circle to New level and was among top 6 circles . As a Circle Head I was able to achieve both liability and asset budgets . Kolkata Circle become the Top 2 circle in sale of TPP. The expansion of branches was highest during this 2 years . Current Deposit including CMS and Government Business, Savings Deposit, MSMEs, Overview of Wealth Management, Retail Assets, Credit Cards, Trade Finance, Tax Solutions, Retail Forex and remittances, Retail Investment Products Including Retail broking, Agri business and Instrumental in launching Bancassurance tie-up with Max Life Insurance across Circle geography. Current Deposit including CMS and Government Business, Savings Deposit, MSMEs, Overview of Wealth Management, Re-tail Assets, Credit Cards, Trade Finance, Tax Solutions, Retail Forex and remittances, Retail Investment Products Including Re-tail broking, Agri business and Instrumental in launching Bancassurance tie-up with Max Life Insurance across Circle geography

• Assistant Vice President/Vice President - Branch Head

  • Oct 2002 - Mar 2010

  IN charge of the Main branch having Retail Liability and Retail Assets, Business Banking including CMS and Government Business. MSMEs, Credit (FB and NFB), Trade Finance & Remittances, Taken sessions in FEDAI workshop. Was handing team of over 50 people

• Manager

  • Mar 1998 - Oct 2002

  In Charge of operation of the Retail Branch and was engaged in set up of the branch from first day of operation. In branch was handing customer service and sales along with SME credit proposals. Retail finance was also a part of the branch function.



Ing Vysya Bank is now Kotak Mahindra Bank

• India
• Banking
• 700 & Above Employee

• Deputy Manager

  • Feb 1996 - Mar 1998

  I got posted in Liluah Branch of Vysya Bank as a Head of Operations . I joined the branch within 10 days of opening of the branch . As a second person in the branch I was involved in streaming lining the operation and also getting new business for the branch . I was able garner deposit to the extent of Rs. 25 Crs in the 1st year of operation . The Bank authorities being pleased with growth of branch , approved the branch for sanctioning of SME loans . I was given the additional charge of processing Loan proposals. The branch was able to breakeven within 17th months of operations and at the end of year 2nd year of operations was a Profit making branch. Got special appreciation letter from the Managing Director of bank as a part of quickest profit making branch in eastern India .



Federal Bank

• India
• Banking
• 700 & Above Employee

• Credit Officer

  • Aug 1990 - Feb 1996

  Joined Federal bank in the August 1990 as a cashier in C R Avenue Branch , Kolkata . During my tenure at C. R. Avenue was handing daily day of Book . I was also involved in retail banking operation . Started with total Manual System of bank and worked in the transformation of Manual System to ALPM. Got Promoted to Credit Officer in year April 1993 . On elevation got posted on In Advance Department of Federal Bank at Central Office , Alwaye , Kerala. . Worked as credit analyst & monitoring of loans of Rs 50 lacs and above across the Bank During this tenure I was in the panel of five nominated officers in-charged of sanction of high value loans Pan India. I was also involved in strict monitoring of the high value loans of the Bank ,for detecting loans which may become become Bad. This helped the bank to come out of such credit exposure and same revenue loss to the bank.