1. Vaibhav Pathak
Contacts: 09909142577; 02692 - 245484 ~ E-Mail: vaijul@rediffmail.com
~ Banking Professional ~
BRANCH MANAGER
Location Preference: Gujarat,Mumbai
PROFESSIONAL SNAPSHOT
 A result oriented professional with over 16 years experience in entire Banking Operations, Client
Relationship Management, Team Management and Business Development of which 11 years experience
as a Branch Head
 Currently associated with HDFC Bank, Nadiad - Gujarat as an Asst. Vice President – Retail Branch Banking
 Exposure in performing Branch effectively & efficiently, coordinating with various branches & managing a variety
of branch banking operations.
 Well conversant in managing TPP products like Insurance, Mutual Fund, GeneraL Insurance and range of
Banking Products as well.
 Demonstrated business acumen in managing the operations. effectively discharging the functions and achieving
higher rate of organic growth.
 Proficient in handling quality customer service operations, organising process strategies and buildi ng relationships
with various groups.
 Abilities in handling Audits, Transactions, Team, NRIs, Government Relationships etc.
 Branch Audit And Service Quality rating has always been satisfactory in 16 years of Banking career.
 Possesses a very strong communication, analytical, analysis/ mapping and negotiation skills.
ACADEMIC CREDENTIALS
1999 B.Com from V G Vaze College ( Kelkar College) – Mulund(E) Mumbai , Mumbai University.
IT FORTE
 Bank Software : Flexcube ,UBS & Host System ,DEBOS, SAP- HR, Kapiti, Lotus Notes
 Operating Systems : Advance working knowledge of Microsoft Excel (spreadsheets) & its various tools and
Microsoft Word. Working knowledge of ERP package
PROFESSIONAL EXPERIENCE
Since September 2007: HDFC Bank
AREAS OF EXPOSURE
Banking Operations / Audit
 Managing banking operations inclusive of implementing short / long term plans; managing teams with focus on
excelling business targets & service delivery metrics.
 Preparing MIS reports, branch balance sheet & other statements with a view to apprise management of process
operations and assisting in critical decision-making process.
 Following the process / procedure of the bank & ensuring compliance to rules and regu lations of the bank
including latest circulars & notifications.
 Taking care of service operations for rendering and achieving quality services; providing first line customer
support by answering queries & resolving their issues and ensuring minimum TAT.
 Reviewing accounts like suspicious transaction, daily Txn viz. receipt, payment & fund transfer, new account
opening, term deposit and account closed report to ensure compliance with internal & external policies,
guidelines, rules and regulations on a regular basis.
 Examining suspicious NRE credit and debit; handling dummy accounts
 Implementing policies / procedures for all round development of the bank as well as reducing overall costs to the
bank through various means.
 Handling critical functions related to audit like deliverables, key movement register and password sharing.
 Preparing branch well for Audit and try to reduce adverse observation and to prepare MIS to audit and replying
efficiently to all query raised by audit team
 Also managing rural branch in terms of its operation and business development.

2. Client Relationship Management
 Managing customer centric operations, forwarding customer instructions to the concerned department & ensuring
customer satisfaction by achieving delivery & service quality norms with minimum TAT.
 Managing the overall functioning of process, identifying improvement areas and implementing adequate measures
to maximise customer satisfaction level.
 Interfacing with clients for understanding their requirements and cultiva ting relations with them for customer
retention & securing repeat business.
Team Management
 Leading, mentoring & monitoring the performance of 27 team members including spoke BM and staff to ensure
efficiency in process operations and meeting of individual & group targets.
 Creating and sustaining a dynamic environment that fosters development opportunities and motivates high
performance amongst team members.
 Develop and grow team-members to take up higher responsibilities within the organisation.
ASSIGNMENTS HELD
Aug’13 – Till Date HDFC Bank Limited - Nadiad Gujarat Branch Manager
Responsibilities:
 Devising strategies for better retention and new business at Branch office and Divisional Offices.
 Taking adequate measures for maintaining balance between the business developments strategies and the internal
control requirement to meet pre-set revenue & profitability norms.
 Analysing various proposals including corporate proposals as per credit policy.
Attainments:
 Instrumental in increasing the Branch Book Size of the branch from 105 crores to 240 crores (130% growth) in a
span of 3 years.
 Heading a team of 27 members.
 Successfully achieved All liabilities Numbers and Value Targets.
 Essayed a key role in achieving the:
o Liability and asset target with exponential growth YoY basis.
o CASA value, number and third party products.
o Individual target on cross sale products like DEMAT, Credit Cards, Insurance, Advisory, Mutual Fund,
and Assets.
o Non resident value and number of target.
 Attained retail loan targets and satisfactory audits year on year.
 Successfully managed investment portfolios in the Investment Dept. at Corporate Office, Mumbai with direct
responsibility for call money market, short term fund management, Govt bonds, other approved securities and
fixed deposits.
 Implemented new systems of MIS, which lead to streamlining of operations and proper maintenance of records
resulting in optimum utilization of funds and better returns.
 In Typical Market of Nadiad Town have Captured Maximum Share of Salary Account business opened 500 Salary
Accounts in April 2015 whose salary upload is to the tune of Rs.2.75 Crores monthly.
 Successfully ensured: “Satisfactory” audit rating for all 9 consecutive ye ars as a Branch Manager
o Compliance of KYC.
o Error free processing and balancing for cash.
o Collection and captured PAN detail for cash more than Rs. 49999.
 Actively checked TOD reports (Temporary Overdraft) and report like large credit Txn. large debit Txn. and Txn.
more than Rs. 10 Lacs.
 Distinction of identifying the high transaction & unprofitable accounts.
 Lots of hard work and efforts has been put in creating HDFC Bank as Socially responsible brand in the market I
performed
 Holds the merit in creating greater visibility of brand by direction signage and Municipal tax bills printing an
distribution.

3. Sep’07 – August’13 HDFC Bank Limited – Manjalpur/Nizampura Branch Manager
Responsibilities:
 Devising strategies for better retention and new business at Branch office and Divisional Offices.
 Taking adequate measures for maintaining balance between the business developments strategies and the internal
control requirement to meet pre-set revenue & profitability norms.
 Analysing various proposals including corporate proposals as per credit policy.
Attainments:
 Instrumental in increasing the deposit size of the branch from 46 crores Liabilities book size to 130 crores in the
time span of 5.6 years.
 Successfully achieved 300% TPP targets.
 Attained retail loan targets and satisfactory audits year on year.
 Successfully managed investment portfolios in the Investment Dept. at Corporate Office, Mumbai with direct
responsibility for call money market, short term fund management, Govt bonds, other approved securities and
fixed deposits.
 Implemented new systems of MIS, which lead to streamlining of operations and proper maintenance of records
resulting in optimum utilization of funds and better returns.
 Won 7 International Trips and been to Amsterdam, Spain, Sydney, ,Bali, Bangkok ,Istanbul and Greece till date for
International Skill Building Programme and received awards at various International Locations.
Dec’05 – Aug’07 Indusind Bank Limited, Dharmaj Branch Head
Responsibilities:
 Marketing liabilities & assets of retail and corporate, supervising entire products & disbursing loans under branch
head powers & loans sanctioned by the corporate office.
 Identifying & approach potential business houses for both retail & corporate.
 Identifying & creating more avenues for setting up Off Site ATMs/ extension counters/ branches.
 Supervising & coordinating marketing staff and liaising with high net worth customers.
 Handling credit & international banking products.
 Marketing of third party products.
Attainments:
 The branch crossed the mark of Rs. 17 crore from Rs. 10 crore in the year 2006.
 Increased the NRI Business by 300% and surpassed all third party income targets for insurance and mutual funds
as the branch head.
 Instrumental in getting excellent rating for the branch as a branch head and manager – operations by the internal
auditors.
 Attained Risk Based audit rating as 'Low Risk' while heading the branch as well as operations.
Mar’02 – Nov’05 IndusInd Bank Limited, Dharmaj Head – Operations
Responsibilities:
 Assisted branch head in general administration of the branch and prepared various reports to be submitted to CO
on behalf of Branch Head.
 Supervised other branch activities such as House keeping, Security, Interior of the Branch, etc. & Marketing of
bank products.
 Handled customer grievances.
 Ensured compliance with ISO standards.
 Generated leads from the existing customers & cross selling of other products.
Oct’00 – Feb’02 IndusInd Bank Limited, Morbi Branch Junior Manager
Responsibilities:
 Handled cash transactions and cash management.
 Assisted Branch Head in mobilising the business.
 Looked after the Demat Activities of the Branch.
 Provided various monthly reports to Corporate Office.
 Generated leads from the existing customers & cross selling of other products.

4. PREVIOUS ASSIGNMENTS
Jun’00 – Sep’00 Sharp PCG Advisors Ltd. (ICICI Bank Franchisee), Anand Marketing Head
Jan’00 – May’00 Capital Services Ltd. (HDFC Bank Franchisee) Marketing Executive
Oct’99 – Dec’99 Nufab India Limited, Mumbai Office Assistant (Accounts)
TRAININGS
 Accelerated Leadership Program for senior management.
 Various soft skill programs like Effective Business Communication, Negotiation skills, Leaders of Managers etc.
ACHIEVEMENTS
 Have been awarded the rating as KEY PERFORMER EMPLOYEE IN FY 2011-2012
 6 of my team-members promoted as Branch Managers and 5 as Back-up BMs.
 Have qualified for 7 Overseas and Numerous domestic tours for branch performance in TPP and other products.
 Working as a HUB Branch Manager who is managing 1 spoke branch attached to it.
 Branch with Cost to Income Ration below the Prescribed Benchmark of Bank.
PERSONAL DOSSIER
Date of Birth : 12th
October 1978
Address : 2-B , Govardhannager Society , Nr APC , Anand Vidhyanager Road , Anand , Gujarat
Linguistics Abilities : English, Gujarati and Hindi