Unit Head – Wholesale Banking Operations at HDFC Bank Ltd (2023-01 – Present)
- Authorize high-volume wholesale and commercial banking transactions while supervising end-to-end operational workflows to guarantee seamless delivery.
- Hold full accountability for the evaluation and final authorization of Agricultural Loans, Small Agri-Business (SAB) products, and Emerging Enterprises Group (EEG) business lending portfolios.
- Monitor, track, and streamline complex transaction clearing processes, including cheque clearing, RTGS, and NEFT platforms.
- Closely monitor and reconcile dummy accounts, suspense accounts, deferred accounts, and accounts payable/receivables to eliminate operational leakage.
- Drive strict adherence to regulatory banking frameworks, successfully leading the unit through internal and external operations audits.
- Manage operational budgets and optimize staff productivity through targeted monitoring and specialized training initiatives.
Branch Operations Manager at HDFC Bank Ltd (2019-04 – 2023-12)
- Managed daily branch banking operations, authorized retail transactions, and ensured elevated customer transaction experiences.
- Directed daily reconciliation of suspense, deferred, and dummy accounts, consistently securing high ratings during operational audits.
- Oversaw the management of both Retail Assets and Liabilities while driving team efficiency and lowering branch operational costs.
Branch Sales Manager at HDFC Bank Ltd (2018-03 – 2019-04)
- Directed initiatives for customer acquisition, focusing on expanding the branch's Current Account and Savings Account (CASA) portfolio.
- Maximized branch profitability by driving cross-selling strategies of financial products to existing and new-to-bank clients.
Assistant Manager at Axis Bank Ltd (2017-01 – 2018-03)
- Managed a diverse financial portfolio, ensuring healthy customer relations and retention.
- Oversaw the verification, evaluation, and seamless disbursement of wholesale loans and gold loans.
Junior Processing Officer at HDFC Bank Ltd / ADFC Pvt Ltd (2013-02 – 2017-12)
- Efficiently input daily banking transactions and managed critical clearing processes including RTGS and NEFT transfers.
- Executed the precise data input and processing for diverse loan disbursement files, including Auto Loans, Commercial Vehicles (CV), Personal Loans, and Agricultural Loans.
