Jyothilekshmi has over 13 years of experience in retail banking and credit underwriting with IDBI Bank and Canara Bank. She has held several roles including Center Head managing teams for housing, vehicle, and education loans, achieving sales targets. As Head of the CCU in Karnataka, she successfully managed RBI clearing operations across 43 branches. Currently she is an AGM handling MSME and agriculture lending at IDBI Bank's regional office in Bangalore, with a track record of sanctioning over ₹206 crores in loans. She has an MBA in Finance and is a Certified Credit Officer.
Vaishal Dua has over 13 years of experience in financial management, collections, and operations management in the banking and finance sectors. He is currently the Head of Collections for Tata Motors Finance, where he manages a team that is responsible for collecting payments from commercial and passenger vehicle customers. Prior to his current role, he held various positions in financial services companies where he was responsible for portfolio management, recovery operations, business development, and team leadership.
Prerna Dhaliwal has over 15 years of experience in wealth management and investment advisory roles at major banks such as ICICI Bank, HSBC, Standard Chartered Bank, and Citibank. She has a track record of success growing assets under management and meeting sales targets. Her educational background includes an MBA and bachelor's degree obtained through distance learning programs.
Srinivas Singaraju is seeking a senior level role in collections, credit, risk, and fraud management in the banking, NBFC, telecom, or insurance sectors. He has 12 years of experience in strategic planning, collections and recovery, risk management, and team management. His experience includes roles at Magma Fincorp, Fino Paytech, Kotak Mahindra Bank, HDFC Bank, ICICI Bank, and TVS Financial Services, where he managed teams, improved processes, reduced delinquency and non-performing assets, and met collection targets. He has an MCom and postgraduate diploma in management accounting and costing.
Manjula Sunderrajan is a banking operations management professional with over 17 years of experience in retail banking operations including account management, customer relationship building, and other banking functions. She is currently a Privilege Banker at ICICI Bank in Mumbai. Her experience includes generating revenue, managing customer relationships, and ensuring compliance. She has a proven track record of meeting sales targets and providing excellent customer service. She is seeking new assignments in banking operations management.
Greetings...
I am a senior Finance Professional with 18+ Yrs experience in a top Bank in India. Strong knowledge of Business Development, Financial Control & Management Reporting & Strategic Analysis & Decision making, Corporate , Transactional & Commercial banking.
Presently working in Jamshedpur, India as Cluster Head in the rank of Dy. Vice - President, directly reporting to Circle Head, at Axis Bank.
Eager to take up a challenging role in Corporate , commercial , Transaction Banking space.
May I request to review my Resume.
Prakash Chauhan has over 24 years of experience in financial services, holding roles such as Vice President and Regional Manager at companies like Alankit Assignments, Orbis Financial Corporation, and Stock Holding Corporation of India. He has a track record of success in areas like business development, operations management, project implementation, and people management. Chauhan is seeking a top level role in the financial sector to utilize his expertise.
Deepak Nama has nearly 9 years of experience in banking, insurance, and finance. He currently works as a Deputy Branch Manager at ICICI Bank Ltd in Agra, where he oversees branch operations, manages a team of 8 employees, and is responsible for sales, customer service, compliance, and risk management. Previously, he held roles as a Senior Operation Executive at Aviva Life Insurance and Tata Motor Finance Ltd, and as a Service Center In-Charge at Oilco Services (India) Ltd. Deepak has a Bachelor's degree in Commerce from Govt Commerce College in Kota. He is skilled in team management, customer service, audit compliance, and Microsoft Office applications.
Vishal Jain has over 13 years of experience in credit risk management and business lending. He currently works as a Zonal Risk Manager at ICICI Bank, where he leads a team of 10 risk analysts and is responsible for underwriting business loans and managing credit risk in multiple states. Prior to this role, he held positions as Area Credit Manager and Branch Head at ICICI Bank. He has expertise in credit appraisal, loan sanctioning, and portfolio management. Vishal also has experience working in finance and accounting roles for companies in various industries. He holds a CA certification and M.Com degree.
Vaishal Dua has over 13 years of experience in financial management, collections, and operations management in the banking and finance sectors. He is currently the Head of Collections for Tata Motors Finance, where he manages a team that is responsible for collecting payments from commercial and passenger vehicle customers. Prior to his current role, he held various positions in financial services companies where he was responsible for portfolio management, recovery operations, business development, and team leadership.
Prerna Dhaliwal has over 15 years of experience in wealth management and investment advisory roles at major banks such as ICICI Bank, HSBC, Standard Chartered Bank, and Citibank. She has a track record of success growing assets under management and meeting sales targets. Her educational background includes an MBA and bachelor's degree obtained through distance learning programs.
Srinivas Singaraju is seeking a senior level role in collections, credit, risk, and fraud management in the banking, NBFC, telecom, or insurance sectors. He has 12 years of experience in strategic planning, collections and recovery, risk management, and team management. His experience includes roles at Magma Fincorp, Fino Paytech, Kotak Mahindra Bank, HDFC Bank, ICICI Bank, and TVS Financial Services, where he managed teams, improved processes, reduced delinquency and non-performing assets, and met collection targets. He has an MCom and postgraduate diploma in management accounting and costing.
Manjula Sunderrajan is a banking operations management professional with over 17 years of experience in retail banking operations including account management, customer relationship building, and other banking functions. She is currently a Privilege Banker at ICICI Bank in Mumbai. Her experience includes generating revenue, managing customer relationships, and ensuring compliance. She has a proven track record of meeting sales targets and providing excellent customer service. She is seeking new assignments in banking operations management.
Greetings...
I am a senior Finance Professional with 18+ Yrs experience in a top Bank in India. Strong knowledge of Business Development, Financial Control & Management Reporting & Strategic Analysis & Decision making, Corporate , Transactional & Commercial banking.
Presently working in Jamshedpur, India as Cluster Head in the rank of Dy. Vice - President, directly reporting to Circle Head, at Axis Bank.
Eager to take up a challenging role in Corporate , commercial , Transaction Banking space.
May I request to review my Resume.
Prakash Chauhan has over 24 years of experience in financial services, holding roles such as Vice President and Regional Manager at companies like Alankit Assignments, Orbis Financial Corporation, and Stock Holding Corporation of India. He has a track record of success in areas like business development, operations management, project implementation, and people management. Chauhan is seeking a top level role in the financial sector to utilize his expertise.
Deepak Nama has nearly 9 years of experience in banking, insurance, and finance. He currently works as a Deputy Branch Manager at ICICI Bank Ltd in Agra, where he oversees branch operations, manages a team of 8 employees, and is responsible for sales, customer service, compliance, and risk management. Previously, he held roles as a Senior Operation Executive at Aviva Life Insurance and Tata Motor Finance Ltd, and as a Service Center In-Charge at Oilco Services (India) Ltd. Deepak has a Bachelor's degree in Commerce from Govt Commerce College in Kota. He is skilled in team management, customer service, audit compliance, and Microsoft Office applications.
Vishal Jain has over 13 years of experience in credit risk management and business lending. He currently works as a Zonal Risk Manager at ICICI Bank, where he leads a team of 10 risk analysts and is responsible for underwriting business loans and managing credit risk in multiple states. Prior to this role, he held positions as Area Credit Manager and Branch Head at ICICI Bank. He has expertise in credit appraisal, loan sanctioning, and portfolio management. Vishal also has experience working in finance and accounting roles for companies in various industries. He holds a CA certification and M.Com degree.
This document contains the resume of Rahul Gaur. It summarizes his professional experience, qualifications, and achievements. For experience, it lists his current role as Assistant Manager at HDFC Bank since 2012 where he is responsible for various operations tasks. It also lists a previous role at Muthoot Finance as an Account Executive from 2011 to 2012. For qualifications, it lists that he has an MBA with a dual specialization in Finance and Marketing as well as other masters and bachelors degrees. It outlines various extracurricular achievements and personal details.
Shilpi Kumar has over 6 years of experience in commercial banking with State Bank of India and Bank of Baroda. She has expertise in credit analysis, project finance, and risk management from her roles including branch head and deputy relationship manager. Her experience spans credit risk analysis, customer relationship management, and people management. She holds an MBA in finance and professional certifications in insurance, banking, and mutual funds.
Mrinmoy Banerjee is seeking a position in finance and currently works as a Fund Administrator at HSBC in Kolkata. He has over 4 years of experience in finance, operations, business development, and community leadership. His current role involves calculating NAVs for funds, reconciling positions, and resolving any breaks or issues. He previously worked at Sharekhan Securities as a marketing executive and is proficient in various software programs including ICON, GENEVA, and TLM. He holds an MBA in finance and professional certifications in investment operations and as an NCMP Level 1.
Rajesh Kumar Gupta is seeking a managerial role in banking, financial services, or IT/ITES sectors leveraging over 6 years of experience in banking operations, branch management, audit, compliance, ATM management, business development, financial analysis, portfolio management, client relationship management, and wealth management. Currently he is the Branch Manager at ICICI Bank Ltd. in Sirsa where he is responsible for business development, branch operations, portfolio management, client relationship management, and wealth management. He holds a PGDM in Finance and a BBA in Marketing.
The document discusses performance management systems used in HDFC Bank. It provides details on various PMS tools like management by objectives, 360 degree appraisals, and graphic rating scales. The PMS helps align individual goals with organizational goals. At HDFC Bank, the PMS process involves ongoing monthly reviews as well as annual appraisals using multiple rating sources. Key performance areas are designed for each job and evaluated to aid retention, recruitment, culture, and employee development. While easy to design and use, graphic rating scales can be influenced by rater errors and biases.
The 2011 Annual Report of Allied Bank Limited provides an overview of the bank's performance for the year. It discusses the bank's vision, mission, core values, board of directors, management team, and financial highlights for 2011. The Chairman's Message notes that despite challenges, the bank maintained its focus on clients and continued progress by delivering value-added services.
Anuj Jain has over 8 years of experience in sales, marketing, training, and business development in the insurance industry. He has held roles such as Training Manager at Exide Life Insurance, Branch Manager at ICICI Securities, and Relationship Manager at Bharti-AXA Life Insurance. In these roles, he was responsible for training new advisors, managing sales teams, developing business, and maintaining client relationships. He has received several awards and achievements for his work, including awards for achieving sales targets and activating new advisors.
Arvinder Singh has over 15 years of experience in banking and financial services in roles involving sales, marketing, business development, and account management. He has a proven track record of exceeding sales targets, improving operational effectiveness, and leading high-performing teams. Currently he is spearheading sales and operations as a Corporate Salary Relationship Leader for Yes Bank in New Delhi, managing a portfolio of prominent corporate clients and a team responsible for acquiring new accounts and cross-selling banking products.
- RaviChandra Emmandi has over 24 years of experience in banking, primarily with State Bank of India, including managing branches and leading teams.
- He has expertise in areas such as retail banking, investment banking, risk management, loan processing, and digital transformation.
- Emmandi has received several awards for his performance in areas such as deposit mobilization, loan growth, cross-selling insurance, and converting loss-making branches to profitability.
Akbar Ali has over 11 years of experience in banking, most recently as a Branch Manager at Bank Alfalah Limited, where he oversees a portfolio of Rs. 6.5 billion in liabilities and manages a staff of 32. Previously, he held managerial roles at Standard Chartered Bank, HBL, and MCB, where he was responsible for deposit mobilization, sales targets, customer services, and regulatory compliance. He holds an MBA in Banking and Finance and professional qualifications including an Associate Chartered Banker certification.
Mudit Aggarwal has over 7 years of experience as a credit analyst and credit officer for IndusInd Bank and State Bank of Hyderabad. His responsibilities have included assessing fund and non-fund based credit limits, balance sheet analysis, financial ratio analysis, credit rating computation, and recommending sanctioning of credits. He has an MBA in IT and Finance and is well-versed in credit analysis, risk assessment, and using tools like MS Office. Currently working as a Manager with IndusInd Bank in Delhi, his expertise lies in evaluating new SME loan proposals, reviewing existing portfolios, and ensuring timely renewal of credit facilities.
The document provides a summary of Rohit Aggarwal's qualifications, experience, and objectives. It outlines his educational background which includes a B.Com, CA, and pursuing Company Secretary and IFRS qualifications. His work experience includes positions at Honda Logistics India Pvt Ltd, BenQ India Pvt Ltd, and S.S. Kothari Mehta & Co as a senior executive and audit executive. His responsibilities included financial reporting, audit, tax compliance, and working capital management. His objective is to join a progressive organization where he can continuously learn and grow.
This document contains the curriculum vitae of Shankar Agarwal. It lists his personal details such as name, date of birth, address, languages spoken, and interests. It also outlines his professional experience working in credit risk management and collections roles for Standard Chartered Bank, HDFC Bank, and ICICI Bank. His responsibilities included managing portfolios, meeting targets, developing strategies, and interacting with customers, sales teams, and agencies. The document also lists his academic qualifications which include a B.Com, I.C.W.A certification, and an MBA.
Swasata Choudhury has 12 years of experience in banking operations, business development, and client relationship management. She is currently serving as the Branch Service Delivery Leader at Yes Bank in Kolkata. She has a strong track record of achieving sales targets and ensuring high levels of customer satisfaction. She is proficient in managing teams and banking processes to deliver excellent customer service.
Priyanka Sahu is seeking an operations or client relationship management role, preferably in Bhilai. She has nearly 10 years of experience in insurance operations including underwriting, claims, and client relationship management. She is proficient in managing all aspects of underwriting and claims and has expertise in analyzing systems and implementing risk assessment tools. Priyanka also has strong communication, analytical, and problem-solving skills.
Pravin Dashrath Sawant has over 13 years of experience in residential mortgage lending, customer relations, underwriting, and policy formations for affordable housing finance. He currently works as a Senior Credit Manager for Aspire Home Finance, where he is responsible for underwriting cases up to Rs. 20 lacs, training other employees, and ensuring portfolio quality. Previously, he held credit-related roles at HDB Financial Services, Mahindra Home Finance, Indusind Bank, and HDFC Ltd. Pravin possesses a Bachelor's degree in Commerce and is currently pursuing an MBA in Finance.
This document is a curriculum vitae for Ahmed Rejaul Karim that summarizes his professional experience and qualifications. He has over 15 years of experience in customer service, sales, and management roles in the telecommunications industry. Currently, he works as a consultant providing marketing, project management, and resource development services. Previously he held manager and supervisor roles at Robi Axiata and Pacific Bangladesh Telecom managing customer service operations, sales targets, and teams.
Manish Kumar is seeking a challenging opportunity in an organization that provides professional development. He has over 6 years of experience as a senior team leader in banking recovery processes. Currently he is handling a team of 12-15 agents recovering credit card debts across multiple locations in India. Previously he held similar roles at other business process outsourcing companies partnered with HDFC Bank and ICICI Bank. He has a bachelor's degree and completed RBI training in collection management. His strengths include target-driven performance, negotiation skills, and building customer relationships.
National Automated Clearing House (NACH) an Overview by VSoftVSoft Technologies
VSoft Technologies a leading Banking and Payments solutions provider for banking and Financial Institutions gives an over view of Cetrum Mandate enabled ACH Payments System and NACH platform of NPCI.
The document discusses different business models for digital financial services (DFS). It analyzes the bank model using Equity Bank as an example, the mobile network operator (MNO) model using Airtel Money, and the standalone model using bKash. For each model, it examines ownership and control over various parts of the DFS value chain including accounts, data, digital and physical channels. It finds that the bank model has the most control while the MNO model relies on partnerships. The standalone model falls between the two.
The Global Landscape of Digital Finance InnovationsCGAP
More than half of the world’s adult population, nearly 2.5 billion people, remain unbanked. Technology – particularly the mobile phone – has been used in recent years to extend financial services past the limits of bank branches and reach new consumers in traditionally underserved segments. Initial efforts focused on payments but have now grown to include savings, insurance and credit products delivered by digital channels, known as “products beyond payments.” Despite a dramatic expansion in the number of digital financial service deployments, the offering of these financial services are not new services. Rather, they are existing services migrated to a lower-cost digital channel, therefore offering greater scale potential. And even then, use of these channels currently remain low.
This research seeks to accomplish four objectives:
Catalog the ways in which technology, especially mobile, can enhance access or use of financial services
Provide a comprehensive landscape of the latest innovations in digital finance
Consider the current and potential impact of these innovations on financial inclusion
Identify enabling conditions and investments needed to unlock the potential of the sector
This document contains the resume of Rahul Gaur. It summarizes his professional experience, qualifications, and achievements. For experience, it lists his current role as Assistant Manager at HDFC Bank since 2012 where he is responsible for various operations tasks. It also lists a previous role at Muthoot Finance as an Account Executive from 2011 to 2012. For qualifications, it lists that he has an MBA with a dual specialization in Finance and Marketing as well as other masters and bachelors degrees. It outlines various extracurricular achievements and personal details.
Shilpi Kumar has over 6 years of experience in commercial banking with State Bank of India and Bank of Baroda. She has expertise in credit analysis, project finance, and risk management from her roles including branch head and deputy relationship manager. Her experience spans credit risk analysis, customer relationship management, and people management. She holds an MBA in finance and professional certifications in insurance, banking, and mutual funds.
Mrinmoy Banerjee is seeking a position in finance and currently works as a Fund Administrator at HSBC in Kolkata. He has over 4 years of experience in finance, operations, business development, and community leadership. His current role involves calculating NAVs for funds, reconciling positions, and resolving any breaks or issues. He previously worked at Sharekhan Securities as a marketing executive and is proficient in various software programs including ICON, GENEVA, and TLM. He holds an MBA in finance and professional certifications in investment operations and as an NCMP Level 1.
Rajesh Kumar Gupta is seeking a managerial role in banking, financial services, or IT/ITES sectors leveraging over 6 years of experience in banking operations, branch management, audit, compliance, ATM management, business development, financial analysis, portfolio management, client relationship management, and wealth management. Currently he is the Branch Manager at ICICI Bank Ltd. in Sirsa where he is responsible for business development, branch operations, portfolio management, client relationship management, and wealth management. He holds a PGDM in Finance and a BBA in Marketing.
The document discusses performance management systems used in HDFC Bank. It provides details on various PMS tools like management by objectives, 360 degree appraisals, and graphic rating scales. The PMS helps align individual goals with organizational goals. At HDFC Bank, the PMS process involves ongoing monthly reviews as well as annual appraisals using multiple rating sources. Key performance areas are designed for each job and evaluated to aid retention, recruitment, culture, and employee development. While easy to design and use, graphic rating scales can be influenced by rater errors and biases.
The 2011 Annual Report of Allied Bank Limited provides an overview of the bank's performance for the year. It discusses the bank's vision, mission, core values, board of directors, management team, and financial highlights for 2011. The Chairman's Message notes that despite challenges, the bank maintained its focus on clients and continued progress by delivering value-added services.
Anuj Jain has over 8 years of experience in sales, marketing, training, and business development in the insurance industry. He has held roles such as Training Manager at Exide Life Insurance, Branch Manager at ICICI Securities, and Relationship Manager at Bharti-AXA Life Insurance. In these roles, he was responsible for training new advisors, managing sales teams, developing business, and maintaining client relationships. He has received several awards and achievements for his work, including awards for achieving sales targets and activating new advisors.
Arvinder Singh has over 15 years of experience in banking and financial services in roles involving sales, marketing, business development, and account management. He has a proven track record of exceeding sales targets, improving operational effectiveness, and leading high-performing teams. Currently he is spearheading sales and operations as a Corporate Salary Relationship Leader for Yes Bank in New Delhi, managing a portfolio of prominent corporate clients and a team responsible for acquiring new accounts and cross-selling banking products.
- RaviChandra Emmandi has over 24 years of experience in banking, primarily with State Bank of India, including managing branches and leading teams.
- He has expertise in areas such as retail banking, investment banking, risk management, loan processing, and digital transformation.
- Emmandi has received several awards for his performance in areas such as deposit mobilization, loan growth, cross-selling insurance, and converting loss-making branches to profitability.
Akbar Ali has over 11 years of experience in banking, most recently as a Branch Manager at Bank Alfalah Limited, where he oversees a portfolio of Rs. 6.5 billion in liabilities and manages a staff of 32. Previously, he held managerial roles at Standard Chartered Bank, HBL, and MCB, where he was responsible for deposit mobilization, sales targets, customer services, and regulatory compliance. He holds an MBA in Banking and Finance and professional qualifications including an Associate Chartered Banker certification.
Mudit Aggarwal has over 7 years of experience as a credit analyst and credit officer for IndusInd Bank and State Bank of Hyderabad. His responsibilities have included assessing fund and non-fund based credit limits, balance sheet analysis, financial ratio analysis, credit rating computation, and recommending sanctioning of credits. He has an MBA in IT and Finance and is well-versed in credit analysis, risk assessment, and using tools like MS Office. Currently working as a Manager with IndusInd Bank in Delhi, his expertise lies in evaluating new SME loan proposals, reviewing existing portfolios, and ensuring timely renewal of credit facilities.
The document provides a summary of Rohit Aggarwal's qualifications, experience, and objectives. It outlines his educational background which includes a B.Com, CA, and pursuing Company Secretary and IFRS qualifications. His work experience includes positions at Honda Logistics India Pvt Ltd, BenQ India Pvt Ltd, and S.S. Kothari Mehta & Co as a senior executive and audit executive. His responsibilities included financial reporting, audit, tax compliance, and working capital management. His objective is to join a progressive organization where he can continuously learn and grow.
This document contains the curriculum vitae of Shankar Agarwal. It lists his personal details such as name, date of birth, address, languages spoken, and interests. It also outlines his professional experience working in credit risk management and collections roles for Standard Chartered Bank, HDFC Bank, and ICICI Bank. His responsibilities included managing portfolios, meeting targets, developing strategies, and interacting with customers, sales teams, and agencies. The document also lists his academic qualifications which include a B.Com, I.C.W.A certification, and an MBA.
Swasata Choudhury has 12 years of experience in banking operations, business development, and client relationship management. She is currently serving as the Branch Service Delivery Leader at Yes Bank in Kolkata. She has a strong track record of achieving sales targets and ensuring high levels of customer satisfaction. She is proficient in managing teams and banking processes to deliver excellent customer service.
Priyanka Sahu is seeking an operations or client relationship management role, preferably in Bhilai. She has nearly 10 years of experience in insurance operations including underwriting, claims, and client relationship management. She is proficient in managing all aspects of underwriting and claims and has expertise in analyzing systems and implementing risk assessment tools. Priyanka also has strong communication, analytical, and problem-solving skills.
Pravin Dashrath Sawant has over 13 years of experience in residential mortgage lending, customer relations, underwriting, and policy formations for affordable housing finance. He currently works as a Senior Credit Manager for Aspire Home Finance, where he is responsible for underwriting cases up to Rs. 20 lacs, training other employees, and ensuring portfolio quality. Previously, he held credit-related roles at HDB Financial Services, Mahindra Home Finance, Indusind Bank, and HDFC Ltd. Pravin possesses a Bachelor's degree in Commerce and is currently pursuing an MBA in Finance.
This document is a curriculum vitae for Ahmed Rejaul Karim that summarizes his professional experience and qualifications. He has over 15 years of experience in customer service, sales, and management roles in the telecommunications industry. Currently, he works as a consultant providing marketing, project management, and resource development services. Previously he held manager and supervisor roles at Robi Axiata and Pacific Bangladesh Telecom managing customer service operations, sales targets, and teams.
Manish Kumar is seeking a challenging opportunity in an organization that provides professional development. He has over 6 years of experience as a senior team leader in banking recovery processes. Currently he is handling a team of 12-15 agents recovering credit card debts across multiple locations in India. Previously he held similar roles at other business process outsourcing companies partnered with HDFC Bank and ICICI Bank. He has a bachelor's degree and completed RBI training in collection management. His strengths include target-driven performance, negotiation skills, and building customer relationships.
National Automated Clearing House (NACH) an Overview by VSoftVSoft Technologies
VSoft Technologies a leading Banking and Payments solutions provider for banking and Financial Institutions gives an over view of Cetrum Mandate enabled ACH Payments System and NACH platform of NPCI.
The document discusses different business models for digital financial services (DFS). It analyzes the bank model using Equity Bank as an example, the mobile network operator (MNO) model using Airtel Money, and the standalone model using bKash. For each model, it examines ownership and control over various parts of the DFS value chain including accounts, data, digital and physical channels. It finds that the bank model has the most control while the MNO model relies on partnerships. The standalone model falls between the two.
The Global Landscape of Digital Finance InnovationsCGAP
More than half of the world’s adult population, nearly 2.5 billion people, remain unbanked. Technology – particularly the mobile phone – has been used in recent years to extend financial services past the limits of bank branches and reach new consumers in traditionally underserved segments. Initial efforts focused on payments but have now grown to include savings, insurance and credit products delivered by digital channels, known as “products beyond payments.” Despite a dramatic expansion in the number of digital financial service deployments, the offering of these financial services are not new services. Rather, they are existing services migrated to a lower-cost digital channel, therefore offering greater scale potential. And even then, use of these channels currently remain low.
This research seeks to accomplish four objectives:
Catalog the ways in which technology, especially mobile, can enhance access or use of financial services
Provide a comprehensive landscape of the latest innovations in digital finance
Consider the current and potential impact of these innovations on financial inclusion
Identify enabling conditions and investments needed to unlock the potential of the sector
2 billion people globally have no bank account, but 1 billion of them have a mobile phone. Markets for digital financial services are expanding worldwide.
An Introduction to Digital Credit: Resources to Plan a DeploymentCGAP
This is a workshop/course offering guidance in developing new digital credit products. This content is designed for a broad audience of banks, mobile operators, lenders, and fintech firms. It may also be of interest to regulators, policy makers and investors/donors.
With any comments or to request more materials (including the financial model [Excel] or original PPT presentation with detailed presenter notes), please write to cgap [@] worldbank.org.
This document provides an overview of the banking system in India. It defines banking and outlines the key laws and institutions that govern banking operations, including the Reserve Bank of India Act and the Banking Regulation Act. It describes the structure of banks in India, categorizing them as commercial banks, cooperative banks, and development banks. It provides details on the various types of commercial banks, cooperative banks, and development banks in India. It also summarizes the major functions and roles of the Reserve Bank of India in regulating the banking system.
Dy.Vice-President-Cluster Head at Axis Bank with 19 years of banking experience including in retail, corporate, risk, compliance and audit functions. Currently manages 14 branches with Rs. 2500 Cr in deposits and Rs. 300 Cr in assets. Previously worked at BMC Bank from 1998-2001 as Credit & Forex Head and has held several managerial positions at Axis Bank since 2001 involving branch head responsibilities. Well educated with an MFC from Aligarh Muslim University and skilled in areas like corporate banking, retail banking, risk management, compliance and IT systems like Finacle and MS Office. Provides two references from current and previous employers.
Debasis Dutta has over 11 years of experience in banking and financial services. He currently works as a Janal Centre Head for Janalakshmi Financial Services, managing a team of 60 employees and a portfolio of Rs. 40 crore in loans. Previously he has worked as a Branch Manager for Muthoot Group and Deputy Manager for HDFC Bank, gaining experience in sales, operations, compliance, and customer service. He holds a PGDBO in banking and finance and an MBA, and has received several awards for his performance.
Nigel Fernandes has over 14 years of experience in banking and financial operations. He currently works as an Assistant Manager at Standard Chartered Bank, where he handles custodial services, financial operations, and customer relationship management. Some of his key responsibilities include managing equity settlements, taxation, account documentation for FII and mutual fund clients, and serving as the primary client contact for the Employees Provident Fund Organisation. Nigel has received several awards for his performance and was nominated for additional awards. He is seeking new managerial assignments utilizing his skills in operations management, financial operations, client handling, team management, and training.
Manish Kumar Jha has over 15 years of experience in banking, specifically in sales, marketing, customer service, and leadership roles. He is currently a Senior Manager and Branch Head at Axis Bank in Bangalore, where he is responsible for growing accounts, customer management, operational excellence, and managing his team. Previously, he held roles like Area Sales Manager, Branch Sales Manager, and Relationship Manager at HDFC Bank and Axis Bank, where he consistently met sales targets, acquired new customers, and cross-sold various banking products. He has a Master's degree in International Business and is proficient in Microsoft Office, with strong communication, planning, and problem-solving skills.
Sachin Patwardhan is a banking and financial services professional with over 12 years of experience seeking managerial assignments. He has extensive experience in retail banking, finance, business analysis, and portfolio management. Currently he is the Country Group Head at Mahindra & Mahindra Financial Services Ltd where he is responsible for product development, maintaining portfolio quality, and generating new technology solutions. Previously he has held roles like Regional Manager, Area Sales Manager, and Relationship Manager at HDFC Bank Ltd and ICICI Bank Ltd where he has consistently achieved business targets and received various awards.
Vaibhav Pathak is a banking professional with over 16 years of experience, currently working as the Assistant Vice President and Branch Manager at HDFC Bank in Nadiad, Gujarat. He has a proven track record of growing branch assets and achieving targets. His expertise includes managing banking operations, client relationships, and teams. Previously he held branch manager and operations roles at IndusInd Bank and has strong skills in auditing, compliance, and using various banking software.
This profile summarizes the qualifications and experience of an individual with over 9 years of experience in banking, finance, and insurance. Some key points:
- Holds a diploma from ICICI Manipal Academy and bachelor's degree in medical science.
- Results-focused professional with strong communication, presentation, and relationship building skills.
- Past experience includes projects analyzing foreign exchange products and working as a renewal manager for an insurance company.
- Currently working as a deputy branch manager at ICICI Bank, responsible for branch operations, customer service, business development, and team management.
Ashok Kumar Pandey is seeking a middle to senior level position in strategy planning, sales, marketing, operations, or new project development. He has over 11 years of experience in these areas across diverse industries. He is skilled in strategy development, business development, relationship management, operations management, and achieving sales and revenue growth targets. His professional experience includes roles managing business operations, client relationships, and sales teams.
This resume is for Nitin Kumar, who has over 10 years of experience in banking with a focus on credit. He holds a B.Com degree and several banking certifications. His experience includes assessing corporate and MSME loan proposals, managing loan portfolios, and ensuring regulatory compliance at various banks like Union Bank of India, IDBI Bank, and Bank of Maharashtra. Currently he is a Senior Manager at Union Bank of India, where he appraises credit proposals and oversees a loan portfolio of over Rs. 2,300 crores. He aims to take on more leadership roles involving credit, risk, and treasury functions.
- An investment banking and finance professional with over 14 years of experience in sectors such as investment banking, project funding, private equity, retail banking, and financial management.
- Currently serves as Project Director for a leading petroleum company in the UAE and also runs his own capital advisory firm.
- Previously worked for 8 years at India's second largest bank, handling roles such as Cluster Manager and Branch Manager.
- The document provides a summary of K. SRIKANTH's professional experience and qualifications. He has over 15 years of experience in fields like MSME loans, wealth management, sales, marketing and relationship management.
- Currently he works as an Assistant Regional Manager at Muthoot Fincorp, handling 79 branches and overseeing sales, operations, HR and administration.
- Previously he has held senior roles at Future Capital Holdings and ICICI Securities, where he consistently met and exceeded sales targets, launched new branches, and received several awards for his performance.
K. Madhusudhan Rao is a banking professional with over 13 years of experience, including 8 years in banking. He has held roles such as Senior Manager at RBL Bank and Branch Manager at HDFC Bank. He has a strong track record of exceeding sales goals and cross-selling various banking products. He also has experience in manufacturing as a CNC Programmer and Trainee. He is skilled in areas such as retail banking operations, investment products, auditing, and troubleshooting. He has received several achievements and awards for his work in sales targets, implementation of processes, and acquiring new business.
CA. Arun Goel has over 10 years of experience in corporate banking, managing large portfolios of Indian and multinational clients. He has a track record of strong relationship management, business development, credit analysis, and presentations. Currently he is an Associate Relationship Manager at ICICI Bank handling four corporate clients with annual revenues between $10-30 billion.
Shailendra Soni is seeking a challenging role utilizing over 12 years of experience in sales, business development, and customer relationship management in the banking and loyalty card sectors. He has a track record of increasing business volume, developing accounts, and organizing marketing campaigns. Some of his career highlights include increasing fuel merchant volume by 75% within 40 days at Axis Bank and winning several awards for sales target achievements and highest transactions.
Vishal Kacker is a senior manager at HDFC Bank with over 14 years of experience in banking, portfolio management, retail and wealth management. He has a post-graduation in management and has worked at HDFC Bank, ICICI Bank, Birla Sun Life Insurance, and HDFC Life in various roles managing business operations, clients, and achieving sales targets. Currently at HDFC Bank, his responsibilities include educating customers on digital banking, maintaining processes and compliance, and managing portfolios to achieve profitability targets.
Rohit Mishra is an experienced trade finance professional currently working as an Assistant Vice President at HSBC Bank in Gurgaon, India. He has over 9 years of experience in trade operations, client servicing, and team management. He is responsible for managing the trade finance operations and customer service functions for several locations. Mishra is skilled in various trade products and ensures compliance with regulatory requirements. He aims to deliver operational excellence through efficient processes and high customer satisfaction.
Neeti Shrimal has over 9 years of experience in banking processes including risk control self-assessments, regulatory reporting, operational risk management, and retail asset operations. She has expertise in designing and implementing control risk assessments, conducting testing to identify process gaps, and regulatory reporting. Additionally, she has experience evaluating processes, identifying risks and controls, and driving quality improvement initiatives. Her career includes positions at Yes Bank and ICICI Bank managing retail and rural operations, customer service requests, and branch operations.
J. Babu has over 16 years of experience in banking operations management. He is currently a Senior Manager at TCS, where he leads a team of 100 people handling corporate card operations for Citi Bank. Previously, he has held senior management roles at Standard Chartered, HDFC Bank, and ICICI Bank, where he spearheaded various retail banking operations and drove improvements in processes, customer satisfaction, and cost optimization. He has a strong track record of managing teams, implementing process enhancements, and delivering results.
- Anurag Sharma seeks a career opportunity in sustainability and inclusive development.
- He has over 5 years of experience in financial services sales and operations.
- His most recent role was Product Sales Manager at Ratnakar Bank Ltd where he managed priority sector lending portfolios and achieved loan disbursal targets.
Vaddivalli S Chowdary is a Chartered Accountant and Cost & Management Accountant with over 15 years of experience in business finance and planning. He is currently an AVP of Finance at Polaris Consulting & Services Ltd in Hyderabad, where he is responsible for financial planning and analysis, budgeting, and performance reporting for the Americas region. Previously, he held senior finance roles at Reliance Communications, S&P Capital IQ, Scope International, and Subhiksha Trading Services, where he gained experience in financial reporting, profitability analysis, and operational planning.
1. Jyothilekshmi.L
MBA (Finance),CertifiedCreditOfficer (CCO)
13+ years of Retail Banking and Credit underwriting experience across Tamil Nadu & Karnataka with leading banking
institutions likeIDBI Bank (7+ years),Canara Bank (6+ years).
Currently handling MSME, Retail Asset & Agriculture project lending portfolio atIDBI Bank Regional office.
As Center Head, managed Sales, Credit & Operations teams for Housing, Mortgage (LAP), Vehicle & Education loans.
Consistently achieved business targets & managed retail banking operations.
Won many Awards (Reward & Recognition) for exceptional performance including Best Branch Award.
Successfully handled RBI Clearing operations (CTS & MICR) across 43 branches with on-roll team of 25 Managers/AMs.
Good track record of managing large teams & delivering high performance across diversified portfolios in theBFSI industry.
Designation/Role Domain Expertise (Vertical) Organization , Location
1 AGM - Regional CreditProcessing Center Micro , Small Medium Enterprises
(MSME , Agri , Priority Sector Lending)
IDBI Bank Ltd,
Regional Office, Bangalore
2 Head – CCU, Karnataka RBI Clearing Operations (CTS,MICR,ECS) IDBI Bank Ltd , Bangalore
3 Center Head – Retail AssetCenter(RAC) Retail Loans (Housing,LAP,Edu.&Vehicle loans) IDBI Bank Ltd , Bangalore
4 Credit Head – Retail AssetCenter(RAC) Credit Risk Analysis (Housing,Mortgage, LAP) IDBI Bank Ltd , Bangalore
5 Asst. Manager-MSME & Agriculture Priority Sector Lending (Regional Office) Canara Bank,RO, Erode
6 Asst. Manager-Sales & Credit MSME, Agri., Vehicle & Gold Loans
(Branch Banking& Operations)
Canara Bank
Hosur, Erode & Coimbatore
MBA (Finance), The Instituteof Chartered Financial Analysts of India,ICFAI University. PassingGrade:VeryGood
M.Sc. (Horticulture): Master Degree in HorticultureTechnology from Kerala Agricultural University. Secured 93%
B.Sc. (Agri.): 4 year Professional Course from Kerala Agricultural University. Secured 88%.
School Topper: Class 10th
:92%.Class 12th
:75.8 %
Certified Credit Officer (CCO), IIBF,Mumbai.
Certification on Credit Underwriting/Analysis, Balance Sheet, P&L, Working Capital, Financial Statements& Ratio Analysis.
IIBF (Indian Instituteof Banking & Finance) is world largest& India’s premier institutein Banking/BFSI Vertical.
JAIIB & CAIIB (Certified Associate of Indian Institute of Banking), IIBF,Mumbai.
AMFI - NSE Certified Mutual Fund Advisor, Association of Mutual Funds of India, National Stock Exchange (NSE).
IRDA Certified Corporate Insurance Advisor – Certification by InsuranceRegulatory & Development Authority (IRDA)
Cleared National Eligibility Test (NET), conducted by Agriculture Scientists Recruitment Board (ASRB), ICAR
Achievements/Highlights:
Completed Credit underwriting & Approval of 206 Crores of MSME Agri proposals across industries in 10 districts of
Karnataka - Bangalore,Mangalore,Tumkur, Koppal,Bagalkot,Belgaum, Bidar , Gadag, Haveri & Mandya.
Good knowledge of various Hi-tech food processing units ( Appraised Sugar,rice,mushroom , cashew& food industries)
Experienced in Credit appraisal of Manufacturing industries ( Handled Industrial springs,Automotive, PVC pipes,Industrial
coolingsystems & Garments units)
Conducted detailed cluster study of leading industrial hubs for better understanding of business model,met key decision
makers & initiated loan takeover from other banks.
Developed good business relationship with SME customers & leading Industrial Associations.
Career Summary :
Career Highlights:
Professional Qualification/ AcademicHighlights
Professional Certification Completed
(1) AGM – Regional Credit ProcessingCenter IDBI Bank,Bangalore 2014 & 2015
2. Jyothilekshmi.L
MBA (Finance),CertifiedCreditOfficer (CCO)
Role & KeyInitiatives:
Leading Credit Appraisal team for sanctioningof Workingcapital & term loans to MSME/Agriculture (Priority Sectorloans)
Detailed Credit assessment is done through Balance sheet, P&L analysis, Ratio analysis, financial statement analysis, cash
flow, fund flow & working capital analysis.
Facilitate & support branch business through faster TAT and maintaininga healthyportfolio by following credit / loan policy
of the Bank & internal creditrisk assessment model.
Enhancingbranch performance on PSL targets by jointmeetings with potential customers & key decision makers.
Achievements/Highlights:
Demonstrated exemplary team handling skills by directly managing a team of 25 on-roll employees (2 Managers,20 Asst.
Managers & 3 Executives).
Ensured 100% compliance of RBI guidelines, internal TAT & process compliancefor Daily RBI clearing operations.
Streamlined the transition from MICR to Newly launched CTS (Cheque Truncation System) clearingacross Karnataka.
Daily clearingoperations were performed within TAT & 100% accuracy. RBI extension was taken only once in entire 2 years.
Role/Responsibilities/Initiatives:
Successfully managed RBI CTS clearing operations for all 43 IDBI Bank branches of Karnataka.
Closely interacted with RBI, NCC, NPCI & CCU heads of all banks in Karnatakato ensure faster clearance& issueresolution.
Speedy resolution of operational queries frombranches ensured higher CSAT (Customer Satisfaction) scores /index.
Achievements/Highlights:
Consistently achieved monthly & annual sales targetfor Mortgage (LAP) & Housing loans(HL).
Signed up largebuilders & Organized one of the biggest Housing loan expo “IDBI Homes” for quality lead generation.
Appreciated by senior management for regularly organising HL Balance takeover Campaigns in apartments/largeprojects.
Acquired good knowledge about the Bangalorereal estate market , good relationship with leading builders& HL DSA’s
Role/Responsibilities/Initiatives:
Independently handled Direct & Channel Sales, Credit Analysis and Business Operations for Retail loans.
Directly managed cross functional teamof 16 Managers/Assistant Managers ( 5 Sales ,7 Credit & 4 Operations Managers)
Training,monitoring,retaining& drivingbusinessdevelopment through team of 10 DSTs & 5 DSAs (IndirectChannel Sales).
Supported & guided assigned branches for new housingloan customer acquisition & speedy loan processing.
Approved new & upcoming projects of Category-A & B builders after validatingnecessary legal & technical aspects.
Cross selling of Savings/Current accounts, Life Insurance & General insurance products.
Monitoringof Operational/Center expenses, ensure timely payment of vendor bills.
Achievements:
Consistently ranked among Top 2 RACs in India & largestRAC across South India.
Increased retail assetbusinessfrom 45 Crore per month in 2008 to Rs 64 Crore per month in 2010.
Sanction & disbursementincreased from 169 new files (p.m. avg.) in 2008 to 265 new files (p.m. avg.) in 2010.
Role/Responsibilities:
Handled team of 5 Managers/Assistant Managers & 5 Credit Processing Associates(CPA)
Quick Credit & market risk analysis helped in speedy approval of loan proposalssourced through Branches,DSAs & DSTs.
Ensure loan processing& appraisal in compliance with policies & processes laid down by bank.
Closely work with other Cross functional teams likeSales,Operations & collections for smooth business operations.
Achievements:
Played pivotal rolein achieving 100%MSME, Agriculture-Priority Sector targetsfor Erode region.
(2) Head – CCU,Karnataka IDBI Bank,Bangalore 2012 & 2013
(3) Retail Asset Center(RAC) – CenterHead IDBI Bank, MissionRoad, Bangalore 2011 & 2012
(4) Retail AssetCenter(RAC) – CreditHead IDBI Bank, Indira NagarBangalore 2008 - 2010
(5) Asst. Manager – MSME & Agriculture Canara Bank, Regional Office, Erode 2004 & 2005
3. Jyothilekshmi.L
MBA (Finance),CertifiedCreditOfficer (CCO)
Role/Responsibilities:
Support 36 branch offices in the region with quick appraisal & approval of large proposals within regional head DOP.
Providenecessary inputs to regional head on the commercial, financial & technical viability of the branch proposals.
Closely monitor Branch KPI’s, highlightkey trends & sharemonthly business projections to Regional head.
Generated new business opportunity by organizing prospective customer meets/ road shows
Provided marketing support to branches by participation in events/exhibitions & promote new schemes.
Selected as Probationary Officer by All India BankingServices Recruitment Board (BSRB).
Worked across various Urban & Semi-urban branches across Coimbatore , Erode & Hosur (Tamil Nadu Circle)
Achievements:
Consistently achieved yearly business targets /KPIs across all branch locations.
Hosur (2006-2007):Won appreciation letter from CircleHead for 100% disbursement target achievement for the year.
Hosur (2005-2006):Won the Best Branch Award for achieving Triple Targets in MSME Agri. Business.
(155% achievement of liability target, 136% of disbursement target & 115% of Term loan disbursementtarget)
Erode (2002-2003):Achieved 105% of assigned liability/outstandingtarget& 104% in loan disbursement target.
Appreciation letter from Head Office towards Brand Building & Marketing initiatives.
Role & Responsibilities:
Responsiblefor setting up & developing the Agriculture/SME business in the assigned territory.
Plan & execute marketing /business development strategies to increasemarket share.
Techno-commercial analysisof proposals.Review& monitoringof existingadvances/customer loans.
Additional responsibility as Assistant Branch Manager. Extend supportto branch in day-to-day retail banking operations.
Selected for Reserve Bank of India training on Priority Sector lendingfor SME & Agriculture.
Selected for Train the trainer programon Retail Banking Products.
FinacleCore Banking Solution.
Working Capital financing for Corporate & SME.
Languages Known : English,Hindi,Malayalam& Tamil
Date of Birth : 25th
May, 1975
Marital Status : Married (Indian)
Passport : Valid till 2022
Permanent Address : # 315,Brundavan Presidency,19 Main,27 Cross,HSR Layout, Sec-2, Bangalore560102
Email ID : l.jyothilekshmi@gmail.com
Mobile Number : 9845582869,9845217517.
(6) Asst. Manager – Sales& Credit Canara Bank (Hosur,Erode & Coimbatore) 2001-2003 & 2006 -2008
Training Programs - ProfessionalSkillEnhancement
Personal Details