I am a Banking Professional with a enriched and diversified Banking experience of more than 26 years. I am presently working as  Vice Pesident in Axis Bank Ltd. I am working in Axis Bank since 2002. Before Axis Bank I have worked in IDBI Bank as Senior Manager from 2000 to 2002. I started my career as Probationary Officer in Punjab & Sind Bank  and worked there till 2000. I have worked in Loan & Advances, Human Resources, Corporate Banking, Forex & Retail Banking Departments in the Banking Industry. I have won several accolades & awards in Bank testifying the fact towards excellence in achievement in Banking service.

My core competencies are:

Business Development

• Identifying prospective business, establishing strategic partnership and alliances, generating business from the existing accounts and achieving profitability and increased sales growth.
• Exploring potential business avenues to penetrate new accounts and expand existing clientele.

Marketing

• Implementing competent business strategies to market a wide range of banking, liability and asset products and achieve pre-set sales and profit targets.
• Analysing latest marketing trends and tracking competitors’activities and providing valuable inputs for fine tuning sales & marketing strategies.

Client Servicing

• Identifying prospective clients including HNIs and generating business from the existing clientele, thereby achieving business targets.
• Mapping client’s requirements and providing them expert advisory services pertaining to selection of right banking products.

Credit & Advances

• Overseeing credit screening of proposals & ensuring adherence to company norms.
• Devising risk policies, managing risks and implementing effective mechanisms to mitigate them.
• Reviewing delinquent accounts & portfolio to control recovery operations for delinquent customer & proper documentation.
• Monitoring Bank Guarantees of clients and appropriate follow up for expired cases.
• Supervising and reconciliation of collection from customer
• Arranging payment of overdue accounts.
• Co-ordinating legal action on unpaid accounts .
• Generating & maintaining MIS reports pertaining to delinquent accounts/ recoveries.