Utpal Mukherji

Utpal Mukherji

Utpal Mukherji

I am a Banking Professional with a enriched and diversified Banking experience of more than 26 years. I am presently working as Deputy 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 in 1993 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.


  • 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.

Team Management

  • Leading, managing & monitoring the performance of Sales Staffs to ensure efficiency in business operations and meeting of revenue and collection targets.
  • Conducting meetings for setting up sales objectives and designing or streamlining processes to ensure smooth functioning of sales operations.

Professional Qualification

  • Certified Associate of Indian Institute of Bankers from Indian Institute of Bankers, Mumbai.

Banking and Financial Services, Corporate and Commercial, Mediation

BSc (H) from Patna University in 1988. (Secured 1st Class, stood second in the University)
MBA (Finance) from Patna University in 1996. (Secured 1st Class)
Executive Programme in Business Management from Indian Institute of Management Calcutta. (2006-07)
Master in Business Law from NLSIU, Bangalore

English, Hindi
Axis Bank Ltd., SCO 29, Sector 14,