Senior Vice President at Yes Bank
I have more than 12 years of experience in team management, business development, operations management, due diligence, rural and agricultural finance, financial inclusion, micro-finance, banking supervision and risk management. I have keen interest in product and process development for scaling up the business and making large impact.
Senior Vice President, Yes Bank
Jun 2013 to Present
In 2011, I joined a newly crafted division for providing financial services to the low income households. Starting from the scratch, working on new products, processes and partnerships, I played key role in making banking available to more than 10 million families. I initiated and developed partnership with 12 intuitions (NBFCs, NGOs and other MFIs) in North and East region and created loan portfolio form scratch to INR 5000 million. Set up and executed lean business processes to improve the operational efficiency.
Vice President & Regional Financial Inclusion Leader , Yes Bank
Apr 2011 to Jun 2013
Strategized and executed Financial Inclusion initiative. Engaged with the conception, piloting and scaling up of the rural lending programme through low cost branches and business correspondents. Developed and implemented a system for training and monitoring of hundreds of field executive, spread across five states.
Director , Regional Rural Bank (Etawah KGB and KKGB)
Dec 2008 to Mar 2010
As a Director in the Boards of two RRBs and as a member of the audit committee of the Board, participated in financial planning, risk management, compliances and audit & control systems. Kishan KGB came into profit due to change in the investment decisions. Have worked closely to improve accounting and technology up-gradation across the bank branches.
Assistant General Manager , Reserve Bank of India
Sep 2004 to Mar 2011
Supervised performance of all 12 Regional Rural Banks in Uttar Pradesh. Monitored branch expansion, financial planning, risk management, credit flow to the agricultural and rural sector of RRBs. As a Lead District Officer, participated in planning and monitoring of credit flow of INR 16.91 billion by various banks.
Manager , Reserve Bank of India
Feb 2004 to Aug 2008
Evaluated regulatory compliance, financial soundness, and risk management systems of various banks (books upto INR 1000 billion) by on-site inspection of their offices Primed CAMELS based rating, as a part of Annual Financial Inspection, of Indian and foreign banks Led a team of 25, for managing Currency Verification Processing System (CVPS) and managed all India highest performance Managed accounts of INR 4000 billion currency across 432 Currency Chests in the state of Andhra Pradesh.
Agriculture Officer , Oriental Bank of Commerce
May 2003 to Jan 2004
Managed branch operations i.e. opening of accounts, cash management, clearing operations, etc Prepared credit proposals (Kisan Credit Card) and conducted background search
PGPM (MBA), Indian School of Business, Hyderabad
Mar 2010 to Apr 2011