SONAL AGARWAL

Recognised Banking Professional with extensive experience in Business

Development, Operations Management & Relationship Management with key
contributions in providing tailored holistic banking solutions, operational
performance & profitability with focus on delivering a differentiated banking
experience

Phone: +91-9711271063 Email: [email protected]

Core Competencies Soft Skills

Strategic Retail Banking Communicator

Budgeting & Forecasting
Operational/Process Excellence Innovator
Audits, Inspection & Compliance Inter-personal
Branch Operations
Strategic Alliances & Partnerships Leader
Customer Relationship & Retention
Cross-functional Coordination Motivator
Change Management
People Management, Supervision & Go-getter
Development
Team Builder

Profile Summary Academic Details

o Energetic & enthusiastic senior management professional, offering MBA (Marketing & HR) from Maism,
over 16 years of experience in spearheading the entire functions of retail Jaipur in 1998
banking operations, branch management, building relationships across B.Sc. from St. John’s College, Agra
clientele, offering various banking products & solutions University, Agra in 1996
o Recognized for successfully running compliant business and process-
oriented operations by setting milestones for business excellence through Other Course:
excellent team handling and team motivation
o Identified, evaluated, and provided recommendations on internal HSM (Honors System Management)
control issues and departures from operating procedures and standards to from NIIT
mitigate risks and improve efficiency
o Proficient in supporting bank audit, risk and compliance activities,
interpreting bank policies & procedures for highlighting local regulatory
requirements IT Skills
o Outstanding success in building and maintaining relationships with
clients; highly successful in driving large scale profit gains through
acquisition, deepening & retention of customer base
COBOL,’C’, Dbase III, LOTUS, MSDOS,
o Insightful understanding & working knowledge of the Banking
Software ‘Finacle’ UNIX
o Synergized with internal partners across the organization to drive Computer Aided Commercial Designing
business results & impact the profits Corel Draw, Photoshop, Photo editing
Windows, MS Office & Internet
Applications
Notable Accomplishments
Successfully qualified:
 AMFI –Advisor Module Exam for Mutual Funds, NISM VI –
Depository Operations and IRDA
 Overseas contest twice; got a chance of visiting Hong Kong,
Disneyland and Macau
 Contests for cross selling in FY’ 18-19 and 19-20
 Recognized and awarded with "Retail Lion Achievement Award" twice for
being the best employee; el igible for “Game of Thrones”, “The Game
Changer Award“, ”North Star “ for exhaustive cross-selling of products
 Secured good audit rating of 4 or 5 in past 8 years
 All Domestic Contests of Li and Casa and Oversaes Contest of Singapore in Shivalik
Small Finance Bank -2023'.
Organizational Experience

Since Feb-22
Shivalik Small Finance Bank- Indirapuram
Assistant Vice President-Branch Manager

Key Result Areas:

 Successful in attracting liability & asset products such as Current Account Savings Account (CASA), Life Insurance, Gold Loan,
Working Capital, LAP and Business Loans and so on for Retail Banking.
 Expertise at AML (Anti Money Laundering), KYC, Due Diligence, Customer Relationship Management, Audit & Compliance,
Branch Health Metrics and Stakeholder Engagements
 Monitoring general banking functions entailing term deposits, recurring deposits, demand deposits, current accounts and
saving accounts like inward / outward cheques clearance, issuance of demand drafts & pay orders
 Following the process / procedure of the bank & ensuring compliance to rules and regulations of bank including latest
circulars & notifications; assuring adherence to the service standards of the bank and ensuring regulatory compliance
 Supervising & ensuring the branches are running as profit centre by having check on cost to income ratio and generate
income across various products of the bank
 Leading the designated Relationship Managers and Branch Sales Team for achieving the branch budgets
 Controlling and monitoring branch resources i.e., Operating Staff, Sales Team as well as the relationship manager channel
for business acquisition and achievement of branch budgets; strategizing long & short term directions through periodic
progress reviews of all team members
 Organizing various promotional activities across locations to get the visibility & market share for the Bank
 Supervising overall operational performance of the branch, generating business as per the management requirements and
achieving set targets
 Conceptualizing and implementing the competent strategies with a view to penetrate new accounts and expand
existing ones for a wide range of asset / liability products and services
 Controlling & managing operational risk by ensuring adherence to laid down processes and agreed TATs thereby
increasing customer satisfaction; over achieving defined targets thereby resulting in enhancement of business portfolio .

Apr’09 – Jan22
Kotak Mahindra Bank, Noida

Joined as an Assistant Manager and elevated to the level of Senior Manager& Branch Operational Manager

 Heading the entire gamut of Retail Branch Operations; examining the daily report for all transactional banking of the branch;
streamlining the process and procedures for attaining greater efficiency in workflow and operational deliverables; meeting
branch income targets and achieving branch profitability
 Presently managing a huge portfolio size worth INR 300 Crores
 Collaborating with top management for evolving strategic vision, driving change, infusing new ideas and taking business
performance and productivity to the next level and safeguarding contributions at all levels
 Conducting internal process audits & process reviews for ensuring strict adherence to the process parameters/systems as per
defined guidelines
 Governing & controlling the entire gamut of sales and ops resources for achievement of pre-set goals / targets
 Keeping a close check on the Database of High Net Worth customers of Retail Banking; maintaining documents as per bank
policies & RBI guidelines
 Spearheading, mentoring and coaching a highly dedicated team consisting of 10+ members; conducting training needs analysis
and organizing effective training programs for augmenting the performance & productivity of members
 Extending support to various functions including Customer Service, Teller Transactions, Clearing (I/W & O/W), Demand Drafts,
Pay Orders & Vendor billing
 Ensuring maintenance of proper records consistent with the audit requirements & attending to Auditors’ Queries & Audit
Compliance as per the branch requirements
 Keeping strong record of documentation of lockers including locker allotment, rent recovery and surrender of locker
 Played a key role in supervising Trade Finance Operations & FES including Buyer’s Credit ,Import and Inland LC Issuance,
Inland Bills for Collection, LC Discounting ,Bank guarantee –Indian as well as Foreign, M Bill Booking , Export Bill Booking
,Import Bill Booking, BRC’s Verification
 Establishing & maintaining robust relations with external/internal stakeholders of the organization; identifying improvement
areas and implementing measures to maximize customer satisfaction level (through FTR approach); conceptualizing and
ensuring the adoption of new initiatives with focus on expanding customers’ base
 Jul’08-Mar’09
Reliance Life Insurance, Agra as Assistant Manager

 Performed scrutiny of Advisor Recruitment Forms & Proposal Forms and Primary Underwriting at Branch level
 Identified the training needs of SM’S & Advisors; successfully organized & imparted need based training in order to improve
the performance and operational effectiveness

Oct’04-Jul’08
NBFC –S.E Investments Ltd., Agra as Credit Manager

 Pivotal role in managing Microfinance; engaged in setting target for collection & disbursement of loan files for FO’s in
association with the Top Management; led and supervised the performance of Recovery Team
 Comprehensively examined the loan documents for final approval of disbursement
 Given the additional responsibility of C.E.O of Power (Promotion of Women Entrepreneurship Revolution) NGO sponsored by
SEIL; involved in planning, advertising, negotiation, group making, exhibitions, event management & product sales in Agra
region along with the rural areas

Personal Details
Date of Birth: 30th July 1975
Languages Known: English and Hindi
Address: R-6/181, Raj Nagar Ghaziabad -201001