Harshad Kapadia is a seasoned banking professional with over 20 years of experience in government, corporate, and rural banking. He is currently an Assistant General Manager at ICICI Bank working on payment solutions for government departments and entities. Previously, he worked at HDFC Bank for 9 years focusing on rural lending and cross-selling banking products. He has extensive experience in areas like government banking, payment and collection solutions, rural lending, and business development.

1. Harshad Kapadia
e-mail: harshadkapadia@yahoo.com
Contact: 8879440424(M),
Senior level assignments in Banking in an organization of high repute
Synopsis-----------------------------------------------------------------------------------------------------------------------------------------------
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 A seasoned banking professional with 20 years’ experience covering Government, corporate, rural banking
segments both on assets and liability side
 Presently associated with ICICI Bank Ltd., since April’12 at Corporate Office (BKC, Mumbai), as Asst.
General Manager in Government banking & TASC Business Group for Payment and Collection solutions
under e-Governance initiatives of Government Departments, Govt. entities, Smart City, Other banks,
Associations, Institutions
 Worked with HDFC Bank Ltd for 9 years till March’12 in rural banking on PSL assets book
Core
Competencies----------------------------------------------------------------------------------------------------------------------------------------
Government Banking
 Payment and Collection Solutions both as sales/business head and product manager
 e-Governance project at Government Departments and Government entities
 Partnering Government on AADHAR based Direct benefit transfer through PFMS
 Tapping Money in Motion (liability business) under Panchayati Raj Structure at district, taluka and village
level Government administration
 Banking solutions for Smart Cities
Trust, Associations, Educational Institutions, Other banks (TASC)
 Payment and Collection Solutions as product manager
Rural Banking
 Priority Sector advances in rural and semi-urban areas and cross selling for fee/ liability business
 Synergising working with new rural/semi urban branches for early breakeven
Strategic Planning/ Business Development
 Devising short term and long term goals for achieving top line and bottom-line profitability
 Formulating competent business strategies to market a wide range of financial products and ensuring the
attainment of set sales and profit targets
Experience in Client Relationship Management/ Key Account Management
 Maintaining client delight in service experience
 Building and maintaining healthy business relations with major clients, ensuring customer satisfaction by
achieving delivery & service quality norms.
Employment
Recital----------------------------------------------------------------------------------------------------------------------------------------
Since April’12 with ICICI Bank, Corporate Office, BKC, Mumbai as Asst. General Manager
Responsibilities:
April’16 till Date: National Product Development Manager for Payment and Collection Solutions for
Government and TASC business segments
April’12 till March’16: Zonal Business Head, Government Banking Group
 Responsible for Government Banking liability business at State, District, Taluka, Village level Govt. bodies
through Central/State Govt. welfare/development schemes to catch Money in Motion through sales team
and retail branch channel for Maharashtra, Gujarat, Madhya Pradesh and Goa
 Optimizing on banking opportunities under e-Governance initiatives of new Central / State Government e.g.
e-Tendering/ e- Auction, direct benefit transfer, e-banking
 E-Governance project at Government Department/Entities including Health, Education, Social Security,
Urban Development, Rural Development and Municipal Corporation

2. Attainments:
 Average annual growth of 55% in business in terms of new relationships and CASA
 Achieved co-ordinated working with retail branch channel in synergy for developing Govt. Business at
District, Taluka, Village level in western India. Tapped money in motion till last mile at Village level for few
Govt. schemes, various Government bodies
June’03 to March’12 with HDFC Bank Ltd., Ahmedabad
Growth Path:
Jun’03 to Sept’05 Deputy Manager, Ahmedabad
Sep’05 to Sep’07 Senior Manager, Ahmedabad
Since Sep’07 Asst. Vice President
Responsibilities:
 Development of Priority Sector lending (PSL) assets book through structured financial product in rural agri
economy under working capital, project finance, commodity pledge in Gujarat State
 Managing and analyzing the financial requirements of various entities in agri economy including mandi
traders, agri processors etc
 Operating as a core team member on all India basis & actively participating for developing various products
under commodity finance and implementing strategies for maximization of business volume.
 Development of CMS business and sourcing and distributing the treasury products mainly SLR & Non-SLR
securities in Co-operative bank segment in Gujarat State
Attainments:
 Achieved T1 (Highest) performance at each annual appraisal
 Maintained Healthy assets portfolio with Zero NPA
 Ensured timely execution of the set targets for timely achievements
 Have developed deep understanding/ habit of quality credit assessment under HDFC Bank credit standards.
 Acquired comprehensive experience about rural agri economy. Fortified relations with key market
participants in agri commodity chain in Gujarat
 Established HDFC Bank as a leading player in Gujarat Market with maximum market share in Agri business
and CMS
 Achieved maximum business volume and profit on all India basis in HDFC Bank in given segment
Mar’00 to Jun’03 with Stratecap Securities (India) Pvt. Ltd., Mumbai (Merchant Banking Affiliate: Strategic
Capital Corporation Pvt. Ltd.)
Responsibilities and attainments
 Monitoring and managing investments/ fund positions in Government Securities (portfolio of approx. ` 2.00
bn)
 Coordinating proprietary portfolio management with the sales teams at all 19 offices of the company across
India.
 Managing the primary placement of short to medium term instruments like: Commercial Paper (CPs),
Floating Coupon and other short term instruments of leading Top credit rated Indian Corporate’s
 Development and maintaining relations at various corporate/Bank treasury
 Dealing in money market papers in secondary market among banks/ MF’s/ PD’s/ Insurance Companies
Nov’96 to Mar’00 with Transwarranty Finance Ltd., at Mumbai (Corporate Finance Department)
Responsibilities and attainments:
 Developing corporate relations and marketing of corporate finance services.
 Structuring the Debt Instruments/ Preference Shares, Term Loan Syndication of leading Indian Corporate’s
(including. Godrej, Mahindra, TATA, L&T, etc.) & completing the legal documents
 Functioned as Legal Compliance Officer before various authorities
Academia----------------------------------------------------------------------------------------------------------------------------------------------
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 Chartered Accountant (First Attempt) from ICAI in 1996
 Company Secretary (First Attempt) from ICSI in 1996
 B.Com. from Mumbai University in 1993 with Distinction
Academic
Achievements---------------------------------------------------------------------------------------------------------------------------------

3.  Awarded Certificate of Merit by L. S. Raheja College, Juhu, Mumbai for Degree Examination
 Stood 1st in the College
 Awarded as the best B.Com Student in the college
Personal
Dossier--------------------------------------------------------------------------------------------------------------------------------------------
Date of Birth: 12th
April 1973
Permanent Address: H. N. Tailor, 22, V.P.Road, Opp-Vile Parle Station (West), Mumbai 58
Languages Known: English, Gujarati, Hindi and Marathi
Other Interests Traveling, Movies, Economics, Stock Market