BANKIM VAID E-Mail: vaidbankim@gmail.

com Contact: 9971799509 , res-9810497199 Assistant vice president - North Region Channel Sales/ New Business Development-Sales & Marketing / Distribution Management- Retail Assets/liabilities, Insurance,Mutual funds/ Credit cards(master/visa/diners)/Foreign exchange &Travellers cheques/corporate banking/ 0perations/treasury/remittances/international banking. OBJECTIVE TO TAKE UP A CHALLENGING ASSIGNMENT OVERVIEW A dynamic professional with nearly 25 years of rich experience in branch business banking Sales & Marketing / Revenue Generation/business growth/operations/strategy expansion/leading a large direct sales team//brand building/budgeting/end to end marketing/media & communication/direct sales agent franchisee relationship management for retail assets/liabilities/credit card sales & acquisitions (mastercard,visa & diners),life insurance /mutual funds,car/personal/mortgage home/consumer durable loans/ gold loans/ foreign exchange / travelers cheques & sales/fund collections in microfinance Comprehensive experience in managing branch business banking,customer relationship management & marketing operations entailing business development & cross-selling of retail banking product (assets/liabilities/credit cards/foreign exchange) Resourceful in implementing result-oriented recovery plans to manage delinquency within preset norms for achieving organisational objectives and ensuring profitability. Proven abilities to improve operations, impact business growth & maximise profits through achievements in loan management, cost reductions, internal control & productivity A multifaceted personality passionate about corporate credit risk controls as well as the legal & statutory compliance with business process excellence. Proficiency in conceptualizing strategic and operational plans for branch business banking in drawing a good image; defining financial parameters within which branch sales & operations must be executed and harmonizing them with the organizations business macro level plans.

An effective leader with distinguished abilities in recruiting, directing, leading & motivating large workforce of Relationship Officers, Direct Sales Agents,Channel sales,direct sales team,collection agencies ,Debt syndicates..etc.; imparting continuous on job training for accomplishing greater operational efficiency .

Direct sales agency management inhouse team management Executive Leadership Strategic Business Retail assets sales Auto loans Insurance franchisee management consumer durable loans personal & gold loans Branch banking sme/corporate finance Wealth management cash management services Microfinance insurance Mutual funds foreign exchange/T.C.S ORGANISATIONAL EXPERIENCE

sales training & recruitment creditcard-master/visa/diners mortgage home loans 2wheeler loans retail liabilities-CASA,FDS trade finance international banking private banking derivatives,futures,hedging

AUG.1995 TILL DATE: HDFC BANK( CENTURION BANK LTD) 15 YEARS 4 MTHS. JAN.1994 TO JULY1995 :STANDARD CHARTERED BANK- 1 YEAR 6 MTHS. DEC.1988 TO JAN.1994 :CITIBANK N.A.- 5 YEARS 1 MTH. AUG.1986 TO DEC.1988: BANK OF CREDIT & COMMERCE LTD.- 2 YEARS 4 MTHS. MAY1985 TO JULY1986: TATA TEA LTD.- 1YEAR 1 MTH. HDFC BANK(CENTURION BANK LTD.) ASSISTANT VICE PRESIDENT-NORTH

-Spearheading responsibility towards managing the gamut of sales & Marketing pertaining to: ASSET CHANNEL SALES-Administering retail loans as mortgages,auto,2wheelers,consumer durables,credit cards (mastercard/visa),Foreign exchange,Travellers cheques,personal loans,Microfinance-STPL loans,loan against shares,loan against gold for Delhi, Haryana, U.P., Rajasthan, Punjab, Uttarkhand ,jammu & Kashmir,Himachel pradesh thro350 branch locations with 2800 on roll staff and 7000 off roll sales staff of on the books of HB GLOBAL PVT.LTD. CREDIT &RISK-.Presales Credit appraisal memorandum,credit verification,cash flow analysis-2 yearsI.T.Forms assessment ,6 months bank passbook entries of debit & credit,repayment schedule statement of any microfinance firm/bank/nbfc for credit advanced,credit scoring model input on finnacle system module for assets,account fulfillment unit for assets, asset credit financial modelling & analytics for asset products likeauto,2wheeler,creditcards(mastercard/visa),personal loans,microfinance loans & home mortgage loans. BRANCH BANKING branch business banking team of 4000 offroll sales executives & 1600 onrollstaff for sourcing of retail financial products as auto,mortgage home loans,consumer durables,credit cards(master/visa),Foreign exchange,2 wheeler loans,loans against shares,loan against gold,microfinance for 350 branches in the northern region.

Handli ng all issues of branch sales operations, collections, credit, market penetration, team / agency management, sales / product training, CRM, fraud and product profitability of branch/ retail financial products. Wealth management-Managing casa booksize ( Rs 500crores-$100million/5branches) , hni wealth management bucketsize of rs 20,50,75 lacs,and rs 1 crore and above (assets under management rs600crores-$120million) products handled include current a/c,savings a/cCASA,equity,debt,commodities,forex,travelers cheques,real estate,derivatives,demat a/cs,i.p.o.s,fds,clearing,atms,interbank/institutional/trust deposits,recurring deposits,insurance-L.I.,mutual funds,wealth taxation investments for 700 uhnis/hnws. Transaction banking cash management services-CMS for F.I.S,Corporates & HNIS throSWIFT/RTGS online VSAT module. Trade finance working capital advances to the tune of rs5000 crores-$1000million to proprietors,corporates,s.m.es,exporters,importers as bill discounting,overdraft/cash credit facilities,performance guarantees,export-preshipment/post shipment loans,import L/C advising & negotiation of docs,foreign exchange & travelers cheques Sale of treasury products as derivatives,futures & options/hedging in currencies & commodities to corporates/smes,hnis/hnws & exporters. private banking-portfolio management services compromising of investments in artifacts,debt,equity,forex,derivatives, shares,mutual funds,real estate,gold,insurance,antiques,diamonds & commodities. Audits,governance & compliance,quality assurance. Internet banking ,sms & mobile banking. Marketing- responsible for end to end marketing/media & communication/market research/brand building activities/budgeting & revenue generation/business growth,operations & market strategy. collections-Overseeing outbound calling & collections on receivables for current bucket & overdues of 30 DPD(resolution 90%),60DPD(resolution 85%),90 DPD(resolution80%) as debt syndication to collection agencies & write-off management,legal suit filing,repossession and attachment of assets,auction to dealers for 2wheelers, auto loans,consumer durable loans,home mortgage loans.cheque bounce legal suit filing especially for credit cards,personal loans,microfinance stpl loans & other assets.total portfolio outstanding from current bucket to 180dpd inclusive of writeoffs being followed up for all assets combined stands at Rs.8000 crores-$1600million & delinquency being maintained at 1.5% per asset portfolio.

Highlights Successfully achieved single highest life insurance policy of sum assured value of Rs. 10 Lakhs in Delhi zone branches in the FY 2004-05. Managed Single highest investment of Rs.1 Crore in various mutual fund schemes in Delhi zone branches for FY 2004-05. Attended Life insurance sales training workshop by AVIVA life insurance company for branch managers in 2004 and Mutual fund schemes sales training program for branch managers in 2004.

STANDARD CHARTERED BANK ZONAL MANAGER AUTO SALES:Looking after retail sales of car Auto Loans. I was posted initially at Mumbai then Delhi to launch the car sales business to companies, limited, private limited firms and proprietors through car dealerships /DIRECT SALES AGENTS and direct sales teams backed with direct mailing, inbound / outbound telecalling and advertisement. CREDIT CARD COLLECTIONS:Managing outbound calling & collections for credit card overdues.30 to 180 DPD agency & write-off management. CREDIT CARD AUTHORISATION/FRAUD CONTROL:Monitoring on us /off us credit cards (MASTERCARD/VISA)Transaction authorization, merchant charge-slips,chargeslip splitting below floor limit, mystery shopping seeding, verification Performas CVR, company letterheads, investigation, police interface, legal suit filing & Flash bulletin for pick-up of hot card. Highlights Achieved highest sales for no. of cars financed in the north zone for FY1994-95. Attended Retail auto finance sales training workshop in standard chartered Bank in 1995.

CITIBANK ASSISTANT MANAGER/MANAGER RETAIL ASSETS SALES-Overseeing car, two wheeler, consumer durable retail sales and credit cards acquisitions MASTERCARD/VISA/DINERS -Administered sales activities, customer relationship management, dealership interfaces and DIRECT SALES AGENTS management. RETAIL ASSET COLLECTIONS:Overseeing outbound calling & collections for overdue of 30 to180 DPD agency & write-off management for credit cards, Two-wheelers, consumer durables & mortgage home loans. CREDIT CARD FRAUD CONTROL-Managing on us / off us cards, merchant charge-slips splitting under the floor limit, mystery shopping seeding, verification performas CVR, company letterheads, investigation, police interaction, legal suit filing & flash bulletin. Highlights Achieved highest sales & collection figure of two-wheelers & consumer durables financed in the east zone for Citibank in FY1989-90. Successfully managed highest sales no. of clients enrolled for Citibank credit cards in the north zone in FY 1992. Attended Retail Credit & collections training workshop in 1990 and Retail Sales & Marketing workshop in 1993.

BANK OF CREDIT & COMMERCE LTD MARKETING OFFICER International Banking: overseas $ & other currency nostro accounts, LC advising & negotiation of documents,Foreign exchange, project financing (working capital requirements),SWIFT cash management fund transfers(CMS) for corporates,f.i.s,exporters,importers,s.m.es & hni.s including foreign exchange purchases & travelers cheques Corporate/SME Finance Banking: advances to corporates(turnover above rs1000 crores) & SMES(turnover above rs 5 to rs500 crores) working capital requirements as bill discounting, Overdraft / Cash Credit limits, Export- Pre shipment / Post Shipment loans,performance guarantees, Import L/Cs advising & negotiation of doc.s i.e., fund & non-fund based business.Overseeing & researching Cash flow & balance sheet analysis,financial credit memorandum ,profit & loss statements of corporates/smes.Treasury products sale to corporates/smes as derivatives,futures & options/hedging in currencies,audits,governance & compliance,quality assurance. IT SKILL - Well versed with Windows, MS Office,Powerpoint & Internet Applications. ACADEMICS B.Sc. (Hons. In Agriculture Science) from Punjab Agricultural University in 1984 with 64% marks. Class XII from D.A.V. College (Punjab University) in 1979 with 71% marks. Class X from D.A.V. Higher Secondary School in 1977 with 74% marks. PERSONAL DETAILS Date of Birth : 3rd December 1960 Address : Flat No. G, 3rd Floor, Building No. JG 7, Shantinekatan Apartments, Khirki Extension, Malviya Nagar-110017, New Delhi,India. References: Vivek malhotra (mobile) - +91-9313196072,+91-9810096072 , Email; [email protected] Vice President-Regional business head,SME-infrastructure business,North Region Hdfc bank 2nd floor,express building, 9-10,bahadur shah zafar marg, New delhi-110002.INDIA Ashwani behal (mobile) - +91-9313181708, Email:[email protected] Vice president retail liabilities business,infrastructure finance group,East Region Hdfc bank, 2nd floor,express building, 9-10,bahadur shah zafar marg, New delhi-110002. INDIA