Dynamic professional with ICWA and CS having 13+ years’ of experience in Retail Asset Operations/Risk Management.

1. AJAY KUMAR GUPTA
Mobile: +91 –9910125825; E-Mail: ajay_charu3@yahoo.co.in
Aspiring for
Senior Level Assignments in Operations Management & Risk Management, Process Management &
Improvement preferably in Banking & Finance sector
Location Preference: Delhi & NCR  Industry Preference: Banking & Finance
Profile Summary
Dynamic professional with ICWA and CS having 13+ years’ of experience in Retail Asset Operations/Risk Management.
 Adept in handling activities pertaining to Operations (Disbursement, Banking, Customer Service and Cash management),
Compliance/Quality management, Customer relationship management, Database management, Reconciling Collection, PDC and
Disbursement Accounts, Channel/Agency Management, Process Risk Management, Quality Assurance, SOX Compliance, CRM,
Client Servicing, Level III, evaluating internal control systems/ procedures for minimising & control operational risks and
highlight the shortcomings and executing necessary recommendations and Team Management in retail banking industry.
 Efficiently oversaw to the SME /Auto Lease/Tractor/CV/CE/CAR / Strategic CV & CE and Refinance loans.
 Adept in ascertaining needs and goals, streamlining operations and envisioning new concepts. An excellent communicator with
proactive attitude, capable of thinking in and out of the box, good analytical, presentation, inter-personal and organisational
skills with proven abilities in team management, process enhancement and training & development
Career Highlights:
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Accredited with Ops Ka Boss Award for idea generation exemplary performance and demonstration
Winner of the Stay Connected award in Dec 2007 for exemplary performance and demonstration
Contributed significantly towards the branch being adjudged the First Six Sigma Branch in North India
Stellar in the setting up of new Asset operations in Saharanpur, Fariadabad, Noida, Pitampura and Gurgaon branch from scratch
Ranked No. 1:
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Rating in all the branch MOPS scores in Balance Score Card across Haryana & Uttranchal in Oct 06
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Branch Rating for the last 12 consecutive months on all operational parameters with NIL error during SOX Audit;
obtained IAD Audit Rating of 98% and Customer Satisfaction Survey outstanding Rating of 100%
Distinction of accomplishing the Highest Manpower Productivity & Best Quality Scores for the branch in the entire North Zone
Illustrious in achieving highest Branch Internal Audit Rating in the region in Oct’06
Secured 100 FOCUS – Customer Satisfaction Feedback Score since Sep’05 as declared by TNS India
Instrumental in managing as an In-charge of the SOX compliance (Risk elimination in process) for the Haryana Region and
ascertaining qualitative improvements of different processes
Successfully conceptualised two ideas (Six Sigma Branch Error Control Tracker & Bank Errors Control Tracker) which were
declared patents by Idea Lab, ICICI Bank Ltd. FPR for the Region ensuring the Nil beyond TAT requests
Proficiently managed Cash Counter in the RAPG branch involving daily average transaction of Rs 60 Lacs and liaison with CMS
(Cash Pick-up Agency) for the same on daily basis
Competently detected 3 collection agency Frauds saving the bonafide money of the Customer & bank
Resourceful in reducing Branch Collection / PDC / Disbursement Account Open Items thru dedicated reconciliation to ‘NIL’ by
over Rs 2 Crores in a short span of 2 months (May’06 to June’06)
Organized Region Analysis based on Branch rating published from central operations to ensure that every branch get 100%
in every sphere i.e. Banking, Sanction, Disbursement, Customer Service & General Score.
Employment Details
MAGMA Fincorp Ltd.,
State Head Operations
Since Jul’2008
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Delhi NCR, Uttranchal, Rewari (Haryana), Agra (UP) & Rajasthan
Key Highlights:
• Spearheaded more than 50+ people in the branches and executing strategies for building team effectiveness
• Fore fronted the planning, monitoring and timely execution of all service requests while adhering to the SLA
• Implemented the quality standards for various operational areas & quality systems/ procedures to facilitate high-quality working.
• Efficient in devising and implementing strategies to ensure smooth flow of business operations leading to attainment of Top
Line/Bottom Line achievement of Business goals.
• Pivotal in mapping business requirements and coordinating in developing and implementing process in line with the pre set guidelines.
• Prepared MIS reports & other statements with a view to apprise management of the process operations and assist in critical
decision-making process. Stellar in processing Trade Advance.
• Holds the credit of achieving the highest 100% File quality scores on monthly basis in internal Audit.
• Effectively handled operation TAT at various branches in Delhi, Uttranchal, Agra & Rajasthan for Asset/SME loans.
• Competently ensured the lowest pending count for all locations in Floating Insurance Cover Note MIS in 30 days
• Facilitated the generation of enquiry within TAT to initiation of the FI Checking the pre and post sanction files
• Evaluated the docs as per CSC (customer selection criteria) & assessed the eligibility for the proposed loan
• Conducted quality check of credit appraised cases in the Region through Credit policy/financial analysis etc.
• Supervised the process and KYC guidelines for various cases disbursed from both regions
• Effectively liaising & coordinating with Outside vendors like Valuation Agency, FOP Agents and RCU Agency and Banks to reduce TAT.
• Monitored the FCU Fraud Control Unit compliance.
• Opened several new branches in the Delhi /Agra/Haryana Region and appointed Ops in Charge and team members.
• Merits of being associated with the organisation from the Launch of operations of Personal Loan Unit.
• Proficiency in sorting operational delinquency and devising new controls for reducing operational delinquency.
• Acted as a backup Zonal Oprations Manger (ZOM)in absence of the Zonal Operations Head time to time.

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Promote a culture of high performance and continuous improvement that value learning and a commitment to quality.
Established and monitored the staff performance and development goals, assign accountabilities, set objectives,, established
priorities, conducted annual performance appraisals.
Prepared budgets and ensure that the operations cost is within the defined budget for the quarter.
Major Project Handled:
• Handled the portfolio bought from ICICI & RELIGARE for CV and Auto Lease products under Securitisation for loan products.
• Contributed towards the launch of CAR DEKHO Online project and its successful implementation.
• Reviewed and published the Central MIS for Login Skew Analysis for PAN India branches on daily basis.
• Project 24 hrs Payment TAT- converting the Dealer into RTGS mode to ensure the timely payments without any delay
• Launch of Auto Lease product into Operations and its successful implementation
• Functioned as support to Oracle project team for the new modules development
ICICI Bank Ltd.,
Area Operations Manager (Band M1) – Delhi, Agra, Saharanpur, Meerut and Noida
Jan’04 – Jul’08
Key Highlights:
• Fore fronted the deployment of Six Sigma and 5S projects and process improvement strategy & methodology, ensuring
maximum operational efficiency
• Scrutinized effectively all processes at the branch on agreed sigma levels and rectified the process gaps for attainment of Six
Sigma
• Successfully handled the retail loan branch operations with key focus on bottom line profitability by ensuring optimum utilisation
of available resources, Cross Selling and ensuring compliance “Branch Matrix” service levels in terms of accuracy / TAT
• Competently coordinated in SOX Audits & examined the internal control systems / procedures with a view to minimise & control
operational risks and highlight the shortcomings and implementing necessary recommendations
• Pioneered the differentiation of the branch functions into STP/NSTP activities and value stream mapping to effectuate continuous
improvement and achieve the Level 3 vision of ICICI Quality Management System
• Steered the entire gamut of credit operations entailing:
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Appraising proposals, risk analysis & scrutinising documents before sanctioning / disbursing loans.
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Non-Discrepancy checks of Sanction & Disbursement files & their further processing with TAT as per SLA.
• Holds the distinction of handling a monthly Portfolio of Rs 50 Crores for Auto/Two Wheeler/CV/HL/PL Loan products, etc.
• Led a 20 member team and executed strategies for building team effectiveness by promoting a spirit of cooperation between
team members; supervised performance & providing feedback on areas of improvement
• Leveraged skills in maintaining excellent cordial relations with different units viz. Sales, Credit, CPA and Collection Team
Major Project Handled:
• Independently handled the assignment of Project NMICR i.e. replacement of Non MICR Cheques into MICR Cheques across the
city and Ops Delinquency Project
• Process (Operations) Improvement Initiatives:
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Led 5S Project for the branch and achieved Level II Certification
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SOX Audit Compliance and regulations in the branch
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Certified Level 3 Assessor in the Region
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Implementation of “5S” and “KAIZEN”
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Introduction of TIPS Software for Credit Cards Payment
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Business Continuity Planning in off site locations
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Migration of Home Loans into Consumer Loans
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“Customer Service as a Cross Sell Tool” and “Project Zero Walk-Ins” (Ongoing Projects)
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Coordinator for New Process Implementation and Compliance in the Haryana Region
Previous Experience
Associates India Financial Services Ltd., Delhi
Sep ’01 - Dec’03
Associate Officer
• Prepared the Credit approval memoranda with detailed analysis of the corporate background and its strengths & weakness.
• Examined the Company balance sheet and profit and loss account
• Calculated the Profit/Asset Turnove/DSCR and other rations to check the health of the organisation
• Assessed the deal proposal in detail for commercial loans. Pivotal in submitting the same for further approval
Education
• Advance diploma in Business Management, ICFAI, Hyderabad in 2009
• Diploma in IPR Laws from WIPO, Geneva, Switzerland in 2003
• Company Secretary from ICSI, Delhi in 2000
• Bachelor of Law (LLB) from CCS University, Meerut in 1999
• Cost & Works Accountant from ICWAI, Delhi in 1998
• B.Com. from CCS University, Meerut in 1996
• Diploma in Information & Systems Management from Aptech Computers (All India 5th Rank Holder) in 1998
Technical Forte
• Conversant with Oracle, FINNONE, CRM Tool (Siebel & Finacle CRM), TIPS, PRJ, DMR, Web Bounce, BRS, etc.
Trainings
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Attended training programs on various topics – Leadership, Managerial Effectiveness, Interpersonal Effectiveness & Influencing
Skills, Presentation & Communication Skills, Passion at Work and Understanding Self Program

3. Personal Details
Date of Birth
Address
Languages Known
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31 October, 1976
B- 41, Ist Floor, Sector 50, Noida - 201301
English and Hindi
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Core Competencies Annexure :
Operations: Preparing & implementing systems, policies & procedures for streamlining the banking operations. Heading complete
branch operations with continued focus on bottom line profitability and optimal utilization of available resources.
Risk Management: Participating in policy making, implementing effective mechanisms to manage and mitigate operational and
financial risk. Understanding Global client’s financial requirements, designing & creating structured notes, developing the policy
statements for evaluating risk return profile and investment horizon.
Strategic Planning: Conceptualizing strategic and operational plans for the lines of business keeping the organization’s macro
level plans in focus. Instrumental in defining standards that served as a benchmark for excellence in service delivery and resulting
in ameliorated revenue generation.
Credit Administration: Credit Portfolio Assessment and Lending. Assessing creditworthiness of Large Global Clients and coming
up with custom built solutions to meet client needs. Monitoring the Bank’s credit portfolio to ensure timely collections and keep tight
control on asset status.
People Management:Leading, mentoring of project teams to ensure efficient operations to meet individual & group targets.
Creating and sustaining a dynamic environment to foster development opportunities and motivate high performance achievers.
Customer Relationship Management: Managing customer centric operations & ensuring customer satisfaction by achieving
delivery & service quality norms. Attending to clients’ complaints and undertaking steps for effectively resolving them. Interacting
with the customers to gather their feedback regarding the product satisfaction