Naveen Kumar Tyagi

Currently driving sales for CASA and revenue-generating products, including credit cards, third-party distribution (TPD), Fastag, and NPS, across a pan-India sales channel comprising approximately 3,200 personnel.

Ensure timely compliance, fraud monitoring, audit management, policy review, system improvements, and performance monitoring across Branch, Region, Zone, CGM, ED, MD, and DMD offices.

· Prepare and submit departmental notes, MIS reports, and data with accuracy.

· Conduct half-yearly and annual reviews.

· Drive OBST channel productivity, focusing on fresh FTM growth in acquired accounts.

· Administer HR tasks, including OBST joining, resignation, termination, code generation, leave, transfers, promotions, and branch mapping.

· Oversee business performance metrics, including CASA, cross-selling (Niva, NPS, Credit Cards), and OBST verification processes.

· Manage salary, incentives, reimbursements, and final settlements for RSM/TSM/OBST, including branch tagging, ranking, and cross-sell data.

· Track attendance, OD, and online attendance.

· Generate daily MIS, OBST performance, Deadwood, RSM/TSM targets, YTD, campaign results, and Go Green MIS.

· Coordinate with vendors and resolve OSV-related issues

• Lead a large retail branch with a business size exceeding ₹10,000 Cr, managing a diverse customer base including corporates, institutions, government bodies, ultra-HNI, and NRI clients.
• Drive business growth and profitability by achieving targets for CASA, RTD, TPP, and asset products while overseeing credit appraisal and recovery.
• Acquire and retain high-net-worth clients and forge strategic tie-ups with government departments for business expansion.
• Ensure operational excellence through compliance oversight, fraud detection, cost control, income leakage prevention, and budget management.
• Coordinate with government authorities (Income Tax, Sales Tax, Labour, Police, Cyber Crime) and represent the branch in district-level BLBC and government meetings.
• Oversee MIS reporting, financial inclusion campaigns, vendor management, and staff performance monitoring, including recruitment, training, and monthly appraisals of direct sales associates.

• Lead and motivate the team to achieve business targets (CASA, MSE, Agri loans, asset products), ensuring compliance and profitability.
• Oversee daily operations, staff performance, and training to boost productivity and service standards.
• Manage loan portfolios (credit appraisal, recovery), generate fee income, and control costs to enhance branch profitability.
• Drive customer acquisition, retention, and HNI relationship management, while addressing grievances and improving satisfaction.
• Coordinate with government bodies, drive financial inclusion campaigns, and handle regulatory compliance.
• Monitor branch performance (MIS), detect fraud, and manage vendor relationships.

• Managing NPA of branches tagged to Retail asset centre
• To reduce and recover NPA of the branches
• To curb accounts who are slipping in to NPA
• To issue notices, initiate SARFEASI and legal action on critical NPA’s
• To assist RAC in fresh asset cases with screening of documents for risk.
• To build and manage relationship with existing clients for better control over collections.
• To manage PDC, ECS, SI maintenance of clients

• Managing HNI clients of branch and Enhancing the business relationship with them
• To manage a portfolio of 200+ UHNI/HNW Customers
• To achieve branch income (sales) targets (CASA, TD, TPP, asset products etc).
• To identify, acquire and retain new to bank potential Preferred customers.
• To monitor depletion and attrition of accounts and reducing percentage of same.
• To contribute for CASA growth for the Branch
• To provide world class services and prompt resolution of queries to HNI clients
• Mentor the directs sales team for bank’s products and drive business in coordination with them.

• Prepare and execution of the sales plan for the annual, quarter and monthly basis which includes:
• Responsible for building and developing the sales
• Competition mapping, Monitoring of market
• Relation building with doctors as well as with chemists
• Designing and implementing promotional activities

• Prepare and execution of the sales plan on monthly basis which includes:
• Responsible for building and developing the sales
• Competition mapping, Monitoring of market
• Relation building with doctors as well as with chemists, Stockist Handling