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About

Results-driven Banking & Product professional with 17+ years of cross-functional experience across Banking, Technology, Product Delivery, Credit, Customer Experience and Business Leadership. Currently Regional Marketing Manager, with 3+ years of focused BFSI product and digital delivery experience as a business-side Product SPOC and New Product Adoption Committee Coordinator.

Experience8

  1. Regional Marketing Manager

    May 2023 — Present

    Indian Overseas Bank (IOB) · Thanjavur

    Lead business strategy and execution for Thanjavur regional office with 91 branches. Developed and executed market penetration strategies and customer engagement programs. Act as Business/Product SPOC for Digital Credit Card Onboarding and MSME/Retail Loan Origination System initiatives. Serve as Convenor of the New Product Adoption Committee, connecting various stakeholders across product rollout and adoption.

    • Achieved 100% branch adoption of three major digital products within one month.
    • Contributed to ₹15,247 Cr Regional Business Mix and ₹9,818 Cr Regional Advances Portfolio.
    • Achieved ₹388 Cr Regional Profit and 22%+ Digital KPA growth.

  2. Branch Manager / Head

    Jun 2019 — Apr 2023

    Indian Overseas Bank

    Full P&L ownership across CASA, MSME, Retail and Agri segments. Managed secured and unsecured Retail and MSME lending across all phases. Led branch teams and managed target setting and Key Accounts/HNI relationships. Ensured adherence to internal governance and managed NPA/recovery under RBI/KYC/AML controls.

    • Doubled total branch business within 3 years.
    • Sourced 100+ vehicle loans in a single financial year.

  3. Deputy Branch Head / Probationary Officer

    Jun 2014 — May 2019

    Indian Overseas Bank

    Managed day-to-day branch banking operations, including CASA accounts and loan disbursements. Assisted credit appraisal for MSME, Retail, and Agriculture loans. Managed daily Balance Sheet and P&L, and handled operational controls and customer service.

    • Improved branch compliance rating from High Risk to Low Risk.

  4. SAP Consultant- Business Analysis & Agile Delivery

    Nov 2012 — May 2014

    Comorin Technologies · Bangalore

    Prepared BRDs, represented client stakeholders in sprint meetings, and managed maintenance/change backlog via Kanban.

  5. International Sales & Product Manager

    Jan 2012 — Oct 2012

    Rainbow Gems Trading Co. · Bangkok

    Managed full NPD lifecycle & supply chain; grew export/counter sales by 30%.

  6. International Marketing Executive

    Mar 2011 — Aug 2011

    KGK Group · Internship · Guangzhou, China

    Handled international marketing and digital marketing.

  7. Application Engineer / Asst. Manager

    Jan 2008 — Apr 2009

    SolidCAM Software India · Bangalore

    Supported client stakeholders in sprint meetings and managed dealer channel development.

  8. Management Trainee

    Aug 2006 — Jul 2007

    Komal Engineers & Consultants Pvt. Ltd

    Prepared BRDs for CAD/CAM projects and supported deployment and training.

Education5

  • MCA

    2026 — 2028

    IIT- Patna

    Computer Applications

  • PGDM / MBA

    2009 — 2011

    FMS-CIPS, Jaipur

    Marketing & Finance

  • MBA

    2020 — 2022

    SVU, Gajraula

    Marketing & HR

  • AMIE/ B.E.

    2009 — 2013

    IIIE, Navi-Mumbai

    Industrial Engineering

  • B.A. (Hons.)

    2003 — 2006

    BRABU, Muz

    Sociology

Certifications12

  • PMP

    2025

    PMI

  • CSM

    2025

    Scrum Alliance

  • CAIIB

    2016

    Iibf

  • JAIIB

    Iibf

  • Certified Credit Professional

  • MSME Finance

  • KYC/AML

  • Digital Banking

  • Banking Compliance

  • Professional Banker

  • Risk in Financial Services

    CISI, London

  • Credit Skills

    Moody's Analytics