Regulatory Expert Sample CV - 1

CIRCLE HEAD NODAL & REGULATORY AFFAIRS,

INTERNAL AUDIT RISK & FRAUD MANAGEMENT / CUSTOMER SERVICES
Professional Abridgement:
Organized and efficient professional with 15+ years of consistent record of achievements in the areas of
Retail Banking Operations, Retail/ Corporate Sales, Customer Services, Regulatory Affairs , Statuary
Compliance, Auditing, Credit & Risk Management, Client Relationship Management and People
Management.
Presently associated with TATA TELESERVICES LTD, as CIRCLE HEAD NODAL & REGULATORY AFFAIRS,
CUSTOMER SERVICES / INTERNAL AUDIT & RISK / FRAUD MANAGEMENT BIHAR & JHARKHAND CIRCLE.
Driver of innovative programs that provide a competitive edge and establish company as a market leader.
Adept at Controlling Frauds, Identifying Process Lapses and conducting Fraud Investigations.
Excellent negotiator with expertise in improving portfolio quality by implementing preventive measure &
processes to improve recoveries.
Dedicated and tenacious sales expert. Remain current on the latest trends in the industry, with comprehensive
knowledge of insurance and financial products, services and best practices.
Expert presentation, negotiation and communication skills with keen abilities in planning, goal setting,
strategy implementation and follow-up.
Effective leader who motivates and builds synergistic teams that achieve the highest sales targets.
Added Expertise:
Sales & Marketing
Customer Services
Business Development
Operation Management
Sales Leadership & Direction
Assessment & Analysis

Strategy Planning &

Execution
Relationship Management
Profit Centre Management
Channel Management
Business Development

Product & Market Alliance

Team Management
Risk & Fraud Management
Credit Control & Monitoring
Campaign Management

FUNCTIONAL SKILLS
Credit & Risk Management:
Support the development of Credit Risk Strategy and Policy to optimize risk and reward within the agreed risk
appetite.
Represent Credit Risk in strategic projects and tactical initiatives being driven by product of functional areas.
Develop appropriate data driven policies and strategies and work with Policy and Governance team to embed
effective policies within the product and operations areas.
Fraud Management:
Managing, planning and executing a variety of Fraud Risk Management assignments, which will include:
Performing fraud risk assessments to identify fraud risks in the company.
Interpreting the results of data analysis routines to highlight potential fraudulent transactions to audit teams
for follow.
Liaising with staff, the audit team and the audit client to execute the assignments.
Sales/ Marketing/ Business Development:
Overseeing sales operations for achieving increased growth profitability.
Market penetration through conceptualizing and implementing sales promotional strategies.
Managing the Branch Profitability, ensuring high quality service and Customer Relationship Management.
Refining the marketing strategies to escalate business volume through reviewing and interpreting the
competition after thorough analysis of market information.

Team Management & Strategic Planning

Ensuring efficiency in operations and that the individual & group targets are met, by managing & monitoring
the performance of team members.

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Identifying & implementing strategies for building team effectiveness by promoting a spirit of cooperation
between team members.
Identifying newer opportunities, formulating business strategies, strategic utilization and deployment of
available resources to achieve organizational business objectives.

Client Relationship Management:

Focusing on maximum customer satisfaction by closely interacting with the customers to understand their
requirements and delivering high-value services to upscale clients.
Ensuring compliance with Standard Operating Procedures and Brand standards in order to enhance customer
satisfaction.

KEY HIGHLIGHTS
In ICICI Bank, IDBI Bank, HDFC Bank & TATA Teleservices Ltd.:
Won the highest Award from TATA (TATA TELE) Scroll of Honour from COO.
Awarded Super Star Award of TTSL-for outstanding performance.
Was awarded Maestro Award.
Achieved lowest penalty for CAF Audit on Pan India basis and CAF score of 99% for 18 months in a row.
Instrumental in saving revenue: 2010 - 2011: Rs 11 Crores, 2011 - 2012: 15 Crores & 2012 - 2013: 17 crores.
Promoted three times within two and half year from Assistant Manager to Manager.
Recognized as The Top ABM in the zone for the Q1 - 2007, Amongst the TOP 10 ABMs in PAN INDIA for Q2,
2007
Won the Fastest 50 & Fastest 100 contest in the REGION
Overachieved target by 160% for FY 2007-08 AT HDFC BANK As a ABM at DEFENSE COLONY BRANCH,
DELHI
Recognized for acquiring 3 big relationships of AQB 3 crores plus, HDFC BANK As a ABM at DEFENSE COLONY
BRANCH, DELHI
Achieved maximum revenue from cross sell in the REGION (Q1 2008) AT HDFC BANK as a Area head
Merchant Banking ( LAP, LAR & Insurance )
New comer and Best Performer award from ICICI BANK
Awarded Certificate of Honour & Gold Coin - Highest award in HDFC BANK for outstanding performance.
Honors & Awards
SERVICE EXCELLANCE AWARD, HOTEL LAKE PALACE , NEPAL, December 1999
SCROLL OF HONOUR, TATA TELESERVICES LTD, May 2010
NEW COMER BEST PERFORMER AWARD, ICICI BANK, June 2004
CERTIFICATE OF HONOUR, HDFC BANK, May 2007
BEST PERFORMER, IDBI BANK, August 2005
TRADE FOREX CHAMPION - PAN INDIA - GOLD COIN, HDFC BANK, September 2007
TOP 3'S ASST BRANCH MANAGER - TRADE FOREX CHAMPION - PAN INDIA AWARD, HDFC BANK, August
2006
Tata Teleservices Ltd,
Super Star Award for Contribution to TTL Regulatory Excellence, October 2010
2010: Tata Teleservices Ltd, Super Star Award for Contribution to TTL Regulatory Excellence
2011: Tata Teleservices Ltd, Maestro Award for Contribution to TTL Regulatory Excellence
2012: Tata Teleservices Ltd, Star Award for Contribution to TTL Regulatory Excellence
2013: Tata Teleservices Ltd, SPOT LIGHT Award for Contribution to TTL Regulatory Excellence
2013: SPOT LIGHT Award for Contribution to TTL Regulatory Excellence
2014: Tata Teleservices Ltd, Star Award for Contribution to TTL Regulatory Excellence
Commendation Role from Govt. of Bihar, for excellent support in REGULATORY COMPLIANCE.
DIG CENTRAL RANGE, BIHAR POLICE - GOVT OF BIHAR, May 2013
Awarded Prashasti Patra ( Commendation Roll )
Bihar Police - Director General of Police , Ministry of Home Affairs ,Govt of Bihar, February 2014 from Bihar
Police by Honble Mr. Abhyanand, Director General of Police , Bihar, This is the Highest Award given to any
Civilian by the law Enforcement Agencies in the state other than Police.

PROFESSIONAL PROFILE

Regulatory Expert Sample CV - 1

-TATA TELESERVICES LTD.Circle Head Corporate Regulatory Affairs & Internal Audit & Risk/ Fraud Management,
Customer Services, Bihar & Jharkhand Circle (Oct 2008 to Date)
Key Results Area: Risk & Fraud Management ~ Internal Audit ~ Regulatory & Statutary Compliance ~ Vigilance
Monitoring ~ People Management
Responsibilities:
Effective communication, certification and updates to regulatory requirements
Regulatory and Compliance & Risk management practices in market, credit, and operational risk
Coordinating and interfacing Law Enforcement Agencies 24*7 basis (Pan India).
Interacting with TERM cell, DOT and Regulatory Dept, Bihar & Jharkhand pertaining to all the parameters of
license conditions.
Interacting with TRAI for regulatory and dispute settlement issues.
Interacting with state and national level Law Enforcement Agencies for providing them support in tracking
crime / Anti social /Anti National related activities.
Interacting with all Government bodies, Honble Court behalf of the company for Relationship Management,
compliance, regulatory and risk related matters.
Providing effective relationship to external customer i.e. Govt Body and Law Enforcement Agencies for helping
for speedy detection.
Attending meeting called by Secretary, Dept of Home for state level security concern & complaints /
Suggestions for resolution effectively within the time limit
-HDFC BANK

Area Head- Merchant Banking ( Card Division & Merchant Banking ) Central Delhi & Old Delhi (Mar 2008
Sep 2008)
Relationship Manager Preferred Banking, (Retail Banking )Bihar Cluster (Mar 2007 Mar 2008)
Assistant Branch Manager, Defense Colony Branch, (Retail Branch Banking ) Delhi (Jan 2006 Feb 007)

Key Results Area: Profit Centre Management ~ Banking Operations Management ~ Marketing & Business
Development ~ Client Servicing ~ Portfolio Management ~ People Management ~ Credit & Controls ~ Risk & Fraud
Management~ Cross sell management~ Regulatory Compliance
Responsibilities: As Area Head- Merchant Banking
Profit Centre Management
Set up and managed complete branch operations with key focus on bottom line profitability by ensuring
optimal utilization of available resources.
Developed operating budgets to ensure optimum utilisation of available funds towards the accomplishment of
overall corporate goals.
Led, trained and motivated workforce to achieve organizational objectives.
Undertook initiatives for credit control and planning recovery strategies in case of payment default thereby
reducing NPAs (Non-Performing Assets).
Handled Credit Controls on ME-OD & Cards.
Banking Operations Management
Handled front-end operations for Savings, current & fixed deposits, involved in cash management for branch
as well as ATMs as well as extended Priority Banking services.
Handled NRI & Forex Business.
Interfaced with other banks for lending/ borrowing and ensured compliance with the statutory requirements
laid down under different Acts governing banking regulations.
Loans / Credit
Underwriting / Risk Analysis of proposals, mapping proposal parameters with policy
Handled a team of 35-40 people
Audit (includes process and quality audit) & Review of Vendors & Business Associates,
identifying malpractices & reporting to the concern departments
Training to In-house Sales Team, various Vendors & DSAs
Coordination between Sales, Credit, Operations & Collection Team
Maintaining Benchmark Credit & E2E TAT

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Review of Portfolio Quality, its various indicators & taking corrective action by proposing
policy changes
Maintaining Portfolio Quality by way of portfolio review
Cost Management

Marketing/ Business Development

Managed the sales Operation and accountable for increasing sales growth.
Drove sales initiatives to achieve business goals & managing the sales team to achieve them.
Reviewed& interpreted the competition & market information to fine-tune strategies.
Identified prospective clients, generating business from new accounts and developed them to achieve
consistent profitability.
Client Servicing
Managed customer centric banking operations & ensuring customer satisfaction by achieving delivery &
service quality norms.
Attended to clients (individuals/corporate clients) concerns & complaints and undertaking steps for
effectively resolving them.
Interacted with the customers to gather their feedback regarding the products utilities.
Maintained cordial relations with customers to sustain the profitability of the business.
Focussed on timeliness in customer response and quality of feedback to ensure customer delight.
As Relationship Manager Preferred Banking (RETAIL BANKING - HNI DIVISION)
Administered the overall activities for Preferred Banking operations & services and establishing Preferred
Banking as a full-fledged Profit Centre department.
Instrumental in managing a portfolio size of 600+ HNW customers a Portfolio at par with the biggest
branches of the Bank in the country.
Ensured smooth operations on various aspects viz. Investment Advisory (Insurance, Mutual Funds, Direct
Equities research Advisory), Asset product requirements (Car Loans, Home Loans, Personal Loans, Twowheeler loans), Cards (Credit Cards, Forex Cards, Gift Cards, Gold Debit Cards) & Liabilities.
Handled Business Banking requirements (Cash Credit, BG, LAP etc) and retail products such as On-line
Securities Trading (HSL), & Demat.
Extended the customer base from 510 customers to 857 customers in 6 months time, Augmented the portfolio
size for HNWs deposits by 12 Crores in 6 months, Increased the business of Asset products from 21% to 81%.
Additionally handled Forex Remittances for the Branch & supported the Non-Resident Zonal team on business
enhancement & customer retention of NRIs in the city.
Received recognitions for innovations in acquiring new customers through various cost-effective promotions
& channels.
As Assistant Branch Manager
Team Management
Managed the performance of Senior Sales Officers & Sales Managers to meet the team targets.
Encouraged bonded team work and positive attitude amongst the team member to ensure accomplishments.
Implemented strategies for building team effectiveness by promoting a spirit of cooperation between team
members.
Business Development
Was responsible for generating retail liability business for the bank with a team of Senior Sales Officers &
Sales Managers.
Handled the responsibility of acquiring of fresh HNI customers for the branch by sourcing premium A/c
current A/c and Savings A/c, and was responsible for earning revenue for the bank by cross-selling BB, LAP
and Trade finance also focusing on third party products (MF & Insurance).
Individually responsible for getting big value accounts for the bank to increase the book size of the branch and
for Branch sales targets, ensured high quality service, customer relationship management, and branch audit
and compliance, Planning and implementing various sales promotion programs for boosting the sales.
Was responsible for achieving team targets as well as own individual targets by getting numbers as well as
values.
Customer Relationship Management
Provided effective pre-sale and post-sale services to clients for boosting their satisfaction levels.

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Build & maintained healthy business relations with major clientele, ensuring maximum customer satisfaction
by achieving delivery & quality norm, Attending investors/ clients concerns & complaints & undertaking steps
for effectively resolving them & Identify existing branch customers who meet preferred product criteria.

Portfolio Management
Analysed the financial capabilities of clients for providing them cross sell product i.e. BB, LAP and Trade
Finance, CMS also Mutual fund and Insurance.
Explored the value enhancement from existing as well as new acquisition.

PREVIOUS EMPLOYMENT

IDBI Bank, as Relationship Officer /Team Manager Retail Liability (Jul 2005 Jan 2006) at Chandni Chowk
Branch , Delhi
ICICI Bank, as Relationship Officer / Senior Business Development Executive/ Team Leader Retail Sales
(Mar 2003 Jun 2005) at Connaught Place , Branch , New Delhi
CITI Bank , ( Associate ), as Team Manager Retail Sales Cards (Jun 2000 Jan 2003), CP Branch , New Delhi
Shangri La, Village Resort, Pokhara, Nepal (Five Star), as Assistant Sales Manager (Mar 2000 Apr 2001)
Hotel Lake Palace, Kathmandu, ( A unit of Heritage Hotel & Resorts Ltd. ) Nepal, as Manager Sales &
Marketing (Sep 1999 Jan 2000)
Hotel Snow Land Pvt. Ltd., Pokhara, Nepal, as Manager (Oct 1998 Aug 1999)

EDUCATION

Pursuing Master in Journalism & Mass Communication.

LLB, BBR University (1996)
BA Hons, Bihar University (1993)
PGDCA from IICE, in year 1995
MBA from LNMIMT in year 1998

OTHER ACTIVITIES

NCC C Certificate Holder.

Participated in Republic Day Contingent Camp.
Attached with Indian Army with Army Service Corps at Panagarh.
Commanding officer in School wing and College Wing.