Saket Kapoor

Chronicled success with an experience of 26 years in banking industry, specializing in Branch Banking Sales and Operations; aiming to leverage expertise in relationship management, business development, and streamlining operations to drive organizational growth. Played a pivotal role in developing productive channels for Retail Branch banking, SME branches, Retail Trade & Forex, Cash Management Services, and Digital Banking. An enterprising professional with exceptional negotiation & influencing skills; multi-tasker and flexible with skills in working in any kind of environment & under high pressure.

Unit Head - Team Lead - Head Office - Branch Banking (Retail and Rural Branches) at YES Bank Ltd. (2011-10 – 2024-06)

Monitoring, Compliance, Performance and regulatory Control - Offsite Branch banking

• Worked with a team of over 25 professionals to oversee entire branch control, central monitoring, branch processes, and daily MIS/performance dashboards covering various aspects of branch operations, customer service, compliance, and learning
• Monitored overall branch operations and provided regular updates to senior management through daily, weekly, and monthly dashboards
• Analyzed branch performance through triggered-based reporting and analytics
• Ensured regulatory, board, and management reporting on compliance, branch operations, service standards, and learning initiatives
• Mitigated regulatory and compliance gaps in the process in line with defined guidelines
• Supported execution of complex transactions across all business areas for branches PAN India on Daily basis

Zonal Head - GEVP - Sales - Trade / Forex / Cash Management Services and Digital Banking at YES Bank Ltd. (2011-10 – 2024-06)

Sales leadership for Trade, Forex, Cash Management Services and Digital Banking across NCR and North zones

• Worked across NCR and North zones with over 450 branches, focusing on cash management and digital penetration
• Implemented CMS and digital banking initiatives to enhance Current account and TASC book in both new acquisitions and existing relationships
• Successfully achieved incremental CASA book targets and provided training to branch team members on MSME applications and structured/digital offerings for customers
• Conducted market analysis to identify opportunities for expanding or improving CMS and TFX products based on market trends

Regional Head - Affluent Banking at YES Bank Ltd. (2011-10 – 2024-06)

Managing affluent banking portfolio and relationship managers

• Managed a team of 10 cluster heads and 75 relationship managers handling individual and corporate business
• Focused on portfolio penetration, cross-selling, revenue generation, and increasing incremental liability and fee income from assigned customers
• Cultivated enduring relationships with high-value clients through active listening, effective communication, and dynamic interpersonal skills

Regional Product & Sales Manager for Trade & Foreign Exchange at YES Bank Ltd. (2011-10 – 2024-06)

Regional product and sales management for Trade and Foreign Exchange business

• Managed 185 branches across Gujarat, Rajasthan, and Madhya Pradesh in the West Zone, encompassing retail branch banking and locations in emerging markets
• Collaborated with a team of 4 regional managers and 18 cluster product and sales managers to achieve trade FX revenue targets
• Developed and expanded into new catchments by identifying overall business opportunities and enabling branch and local teams for comprehensive TFX business growth

Cluster Business Leader - SME Branches at YES Bank Ltd. (2011-10 – 2024-06)

Regional Head for SME branches overseeing operations and strategic business relationships

• Served as Regional Head for SME branches in NCR, overseeing operations, cultivating strategic business relationships, and promoting sales and cross-sales of banking and third-party products
• Emphasized wealth management, including FDs, CASA, insurance, trade and forex, loans, and mortgages to achieve revenue and profitability targets
• Prioritized providing priority banking services to high-value, medium, and small enterprise customers, ensuring prompt resolution of queries and issues to enhance customer satisfaction and foster repeat and referral business

Cluster Business Leader - VP / Senior Vice President at YES Bank Ltd. (2011-10 – 2024-06)

Managing various clusters and branches across NCR zones

• Managed various clusters and branches across NCR zones: South, North, and West Delhi
• Formulated strategic visions and objectives aimed at enhancing business efficiency and profitability across the branches
• Oversaw human resources functions including recruitment, performance evaluation, employee retention, and compensation and benefits administration

Cluster Branch Manager at ICICI Bank Ltd. (2003-08 – 2011-09)

Managing cluster branches and business banking relationships

• Acquired business banking clients including current account onboarding, new trade forex clients and working capital clients; managed their portfolio and day-to-day banking needs
• Managed sales, operations, compliance, and learning while achieving financial objectives and ensuring customer satisfaction for corporate and high-net-worth individual (HNI) clients
• Managed Nehru Place and Punjabi Bagh clusters, consisting of 8-10 branches each, supported by a team of over 100 branch operations and sales professionals, including branch managers and operations managers. Spanning across North and South Delhi

Assistant Manager (Backup Branch Manager) at Global Trust Bank Ltd. (2001-04 – 2003-07)

Assistant Manager supporting branch management

Assistant Manager at IDBI Bank Ltd. (2000-08 – 2001-03)

Assistant Manager roles and responsibilities

Executive at Bank of Punjab (1998-07 – 2000-08)

Executive level banking role

MBA in Finance and Marketing – LBSIM (1996-01 – 1998-01)

B.Com. in Commerce – Delhi University, Shivaji College (1993-01 – 1996-01)