Suruchi Sharma

Accomplished banking professional with 20+ years of experience in branch banking, regional sales leadership, and operations management. Currently serving as Vice President – Territory Head (P&H) at Kotak Mahindra Bank's Sky Phygital Channel, driving multi-state teams across Haryana, Punjab, Chandigarh, Tricity, and Jammu. Proven expertise in driving business growth, digital and phygital banking adoption, CASA growth, assets management, and customer experience transformation.

Consistent top performer with a strong record of managing large territory portfolios and delivering above-budget results.

Vice President – Territory Head (P&H) | Sky Phygital Channel - Kotak Mahindra Bank - Haryana, Punjab, Chandigarh, Tricity & Jammu

(2026-04)

• Spearheading phygital banking transformation via VRM and Sky platform, enhancing remote and digital customer engagement.
• Overseeing strategic business growth, team leadership, and operational excellence across the P&H territory.
• Driving channel migration, digital adoption, and new-to-bank (NTB) customer acquisition through the Sky Phygital model.

Location Head – P&H (DVP) | Sky Phygital Channel - Kotak Mahindra Bank - Haryana, Punjab, Chandigarh, Tricity & Jammu

(2023-06 - 2026-03)

• Led multi-state operations driving overall business performance across Haryana, Punjab, Chandigarh, Tricity, and Jammu.
• Managed large territory portfolio (Category D) with INR 1,200 Cr portfolio (CASA+TD) and 50+ RM team at Manager, SM, and AVP grades.
• Delivered INR 600 Cr NTB CASA with approximately 150% YoY growth (FY 2025-26).
• Achieved approximately 46% OTB growth (2x of budget) (FY 2025-26).
• Drove digital adoption initiatives including CMS, POS, QR, Smart Pay, Net Banking, and PFMS.
• Led phygital banking transformation via VRM and Sky platform, enhancing remote customer engagement.
• Delivered targets across liabilities, assets, and investment products.
• Improved customer experience (NPS), service TAT, and engagement levels.
• Responsible for territory revenue, profitability, and cost optimization.
• Drove cross-sell, portfolio upgrades, and relationship deepening.
• Ensured strong governance, audit compliance, and operational excellence.

Branch Manager (AVP) - Kotak Mahindra Bank - Branch Office

(2020-01 - 2023-05)

• Managed branch operations, sales, and team performance across all product lines.
• Achieved consistent growth in CASA, assets, and third-party products.
• Led digital adoption and customer migration to digital banking channels.
• Ensured compliance, audit excellence, and superior service delivery.

Branch Manager (Senior Manager / AVP) - Axis Bank - Branch Office

(2014-09 - 2019-12)

• Led branch teams of up to 30 members managing HNI, corporate, and government portfolios.
• Delivered growth in CASA, retail assets, and fee income.
• Strengthened digital banking adoption and customer onboarding.
• Maintained strong audit ratings and operational excellence.

Operations Manager - Axis Bank - Branch Office

(2012-04 - 2014-08)

• Managed branch operations, compliance, and customer service.
• Ensured KYC/AML adherence and process efficiency.

Priority Relationship Manager → Deputy Manager - Axis Bank - Branch Office

(2006-01 - 2012-12)

Demonstrated rapid career progression from Priority Relationship Manager (Executive) to Deputy Manager driven by consistent high performance and business delivery.

MBA - Finance & Marketing - Kurukshetra University, Haryana (2006)

Bachelor of Commerce - B.Com - Kurukshetra University, Haryana (2004)