Sachin Khurana

Banking Professional with 21+ years of experience across Business Banking, Branch Banking, and Regional Product Leadership, including 14+ years as Branch / Unit Head. Proven expertise in multi-branch management, cluster-level coordination, revenue growth, compliance excellence, training and people development. Currently serving as Current Account Product Sales Head, responsible for driving acquisition, activation, and regional initiatives across multiple clusters, working closely with Circle Heads, Cluster Heads, Central Operations, and Sales leadership.

Known for building profitable portfolios, strengthening governance frameworks, mentoring leadership teams, and executing management vision at scale. Demonstrated ability to turn around underperforming branches, scale high-quality business, manage risk and compliance proactively, and lead teams across diverse geographies from Economic activity industrial hubs to Vibrant Semi Rural markets.

Current Account Product Sales Manager - Axis Bank Ltd. - Gujarat and Madhya Pradesh

(2024-01)

• Leading Current Account acquisition, activation, and portfolio growth across multiple clusters, aligned with Circle and Regional priorities
• Driving regional CO initiatives, digital onboarding adoption, and product penetration across cohorts
• Acting as central liaison between Branches, Clusters, Circle Leadership, and Central Teams to ensure timely execution of management vision
• Conducting structured reviews with Cluster Heads and Sales Leaders to identify gaps, improve productivity, and enhance conversion ratios
• Spearheading training and capability-building initiatives, enabling front-line teams to reduce NFTRs and improve First-Time-Right processing
• Promoting value-added solutions such as CMS, Payments & Collections, Tally integration, Payment Gateway, and Trade solutions to enhance customer stickiness
• Implementation of New project of Infiniti across the Region.
• Played a key role in the adoption of Data Sutram and digital CA initiatives

Branch Head / Unit Head - Axis Bank Ltd. - Mundra, Sanand, Vadodara, Gandhidham, Bhachau

(2010-07 - 2023-12)

• Full P&L ownership of branches covering Retail, SME, CASA, Assets, Trade & Forex
• Led end-to-end branch operations, sales, service, compliance, and people management
• Achieved AAA audit ratings consecutively, the first such achievement in the Kutch Cluster
• Consistently met and exceeded SME & Retail Lending budgets with strong portfolio quality
• Successfully turned around loss-making branches—most notably converting Sanand Branch from a ₹64 lakh loss to ₹1.25 Cr profit within two years
• Doubled Trade & Forex revenue YoY, significantly improving non-interest income
• Realigned branch resources to build Agri, Gold Loan, and semi-urban portfolios, growing assets by ₹30 Cr in 18 months (Bhachau)
• Created high-engagement teams with minimal attrition, emphasizing coaching and accountability
• Awarded MD-certified Turkey Incentive Trip for all-India CASA performance
• Ranked #1 in Kutch District and Top-5 in Ahmedabad Circle for Online Demat acquisitions
• Maintained zero customer complaints for three consecutive years and achieved AAA rating for three consecutive review period.

Operations Head - Axis Bank Ltd. - Mundra

(2007-03 - 2010-07)

• Managed branch operations, controls, compliance, and service quality
• Established strong operational discipline and audit preparedness
• Built foundations for scalable growth in a fast-expanding industrial geography

MBA - Indira Gandhi National Open University (2014)

CAIIB - Indian Institute of Banking & Finance (2011)

JAIIB - Indian Institute of Banking & Finance (2009)

B.E. - Electronics - North Maharashtra University (2003)