• Head of Products


    June 2015 - at Present


    Head of Products & Cards, Retail & SME Banking Group. [Reporting to Group Head of Retail & Business Banking]; Deputizing as Acting Head of Retail Banking Group, during HRBG’s absence  Responsible for Liabilities, Assets, Mortgages, Cards, Insurance, FX, Remittances, Payments, Wealth products.  Lead a team size of 22, comprising 7 product managers & 15 RMs. I, together with my team, manage the balance sheet of AED 8 Bn in assets & liabilities, generating 300 Mn of revenue.  As Head of Products, I have the complete P&L ownership of retail products and am responsible for building, growing, marketing and managing the retail product suite.  Worked extensively on CBI’s digital strategy by digitizing acquisition processes and smartly accessing analytics to optimize results. Some products got 100% digitized and got marked as ‘only-online’ !

  • Head of Product Development & Product Marketing


    June 2012 - June 2015


    Head of Product Development & Product Marketing, Consumer Banking  Commercial Bank of Dubai (CBD) is one of UAE’s leading & well-reputed banking institutions with a 44 year successful track record; primarily in business verticals of Corporate & Commercial Banking. I was responsible for developing, launching, marketing & managing all consumer banking products & services for both Conventional & Islamic Variants.  Product range comprises Loans (Personal Loans, Auto Loans, Mortgages), Overdraft facilities, Transaction Banking (Current A/c, Savings A/c), Deposits (Fixed, Recurring, Savings) and Insurance.  Responsible for profitable growth of CBD’s consumer banking business; and enhancing market share.

  • Asst Vice President, Retail Banking

    at Emirates NBD

    May 2005 - May 2012


     Business Manager’s role for Mortgages, within the Retail Assets & Liabilities unit of Emirates NBD. Responsible for overall business ownership of the mortgage business vertical. Mortgage products included all variants of Home, Office, and Equity Release & UAE National Loans.  Functional accountability includes business growth, product launches, product development, marketing campaigns, new originations, portfolio administration and complete Balance Sheet & PnL ownership.  Sales & Channel Development; along with Branch Modelling & Distribution Management. Establishing mortgage sales force & productivity enhancement initiatives. Alternate Channel Development – Mortgage Broker Channel.  Successfully institutionalized alternate distribution channel partners on a 100% variable model.  Member, NBD’s Star Performer’s Group & Talent Pool for Young Managers.  Represented the bank at several National & International Management Forums and Seminars.

  • AVP & Regional Head


    February 2004 - May 2005

    Mumbai - Mahārāshtra

     Business Development and Distribution Planning & Promotion for Assets (Home Loans)  Efficiently fostered vital relationships with Developers/Vendors/Distributors  Sales Force Target Determination and Planned Achievement with a team of 5 Zonal Managers, 10 Relationship Officers and over 100 On-field Sales Personnel  Mortgage Business Set-up for Mumbai in short span of 45 days  Market Expansion to include territories of Pune, Baroda & Ahmedabad  Instrumental in the Set-up of an effective Cross-referral Model with Investments & Wealth Management

  • Area Business Head

    at ICICI Bank

    December 1999 - February 2004

    Mumbai - Mahārāshtra

     Business Development Planning & Implementation for Mortgage, entire spectrum of functions for Portfolio Enhancement tapping remote areas for Customer Sourcing (Tie-ups/Partnerships)  Led 1000+ FOS including 4 Area, 10 Sales & 10 Credit Managers, 20 Relationship Officers and 30+ Channel Partners & Sales Teams along with Developer & Channel Relationship Management  Credit Processing, Underwriting of Loans and Delinquency Management  Instrumental in increased Business Volume up to circa USD 600 Million  Received Area-wise appreciation as Highest Performing Teams, 2003  Member, Steering Committee for 6-sigma Principles Implementation.  Market Expansion through Hub-&-spoke Delivery Model reaching Raigad and other areas

  • Business Manager

    at Knight Frank International

    May 1998 - December 1999

    Mumbai - Mahārāshtra

     Scope of Service encompassed Commercial Agency, Valuations, Consultancy Projects, Marketing (BTL & ATL) and Research Reports among others  Profit Maximization and Client Base Expansion through effective Key Account Management  Provision of Investment Advisory Services based on Evaluation of Market Scenario (Time & Value Factors) for Acquisition and Bookings  Management, maintenance and record-keeping of Assets along with Valuation details  Developed Corporate Business Relations with Associates/Investors/Intermediaries to promote Products & Services for planned Business Development


  • Banking on Leaders 3.0

    at Harvard Business

    2019 - 2019 (1 year) Dubayy

  • Management Leadership Program

    at Harvard Business & HULT IBS

    2010 - 2011 (1 year) Dubayy

  • Exec MBA

    at Indian Institute of Management Bangalore

    2007 - 2008 (1 year) Dubayy

  • MBA

    at K J Somaiya Institute of Management Studies & Research

    1996 - 1998 (2 years) Mumbai - Mahārāshtra

  • Bachelor of Business Studies

    at University of Delhi

    1992 - 1995 (3 years) New Delhi - Delhi


  • English Native