ANISHA PANDA
Bhubaneswar
Summary
Branch Operations and Retail Banking leader with 15+ years of progressive experience managing large and mega branch operations in Indian private sector banking. Proven expertise in branch governance, CASA growth, operational risk management, RBI compliance, audit excellence, customer experience, and people leadership. Strong track record of driving branch profitability, improving service quality KPIs, strengthening operational controls, and supporting sustainable business growth. Well-positioned for Branch Manager / Cluster/Regional Operations Head roles in India.
Overview
2026
2026
years of professional experience
Work History
Sales Executive - Insurance & Wealth Products
Cuttack, Odisha
- Sourced and sold insurance and wealth products, supporting branch revenue through cross-sell and customer engagement initiatives.
- Build relationships with new and existing customers to improve wallet share and product penetration.
Branch Operations Head
Axis Bank Limited
Bhubaneswar, Odisha
01.2007 - Current
- Lead end-to-end branch operations for retail banking, overseeing cash management, clearing, account opening, customer service, and digital transaction channels in line with RBI and internal policy guidelines.
- Act as second-in-command to the Branch Head, supporting branch profitability, service quality, compliance governance, and people management.
- Ensure 100% compliance with KYC, AML, RBI, and audit requirements, proactively mitigating operational risk and preventing control lapses.
- Manage internal, concurrent, and external audits, ensuring timely closure of observations and sustaining zero major audit irregularities.
- Oversee cash vault operations, reconciliations, and cash retention limits, maintaining high accuracy and strong operational discipline.
- Drive CASA acquisition, ETB growth, and MDAB improvement through structured lead generation, front-line team coaching, and compliance-led onboarding.
- Monitor branch MIS, operational KPIs, exception reports, and risk indicators to improve turnaround time, productivity, and service delivery.
- Implement Lean@Axis and process improvement initiatives, reducing manual errors and enhancing customer experience.
- Lead customer grievance redressal across CRMS, Phone Banking, and Banking Ombudsman cases, achieving high TAT adherence and service scores.
- Supervise, train, and certify FDOS and Tellers, strengthening capability in risk management, fraud prevention, digital banking, and regulatory compliance.
- Coordinate with Transaction Banking Centres (TBC), vendors, and internal stakeholders to ensure seamless branch operations.
Education
MRM - Insurance & Risk Management
Amity University
Noida06.2006
Bachelor of Arts -
Ravenshaw Autonomous University
Cuttack06.2003
Skills
- Branch & Cluster Operations Management
- Retail Banking Governance
- KYC/AML Compliance
- Internal & External Audits
- Operational Risk & Controls
- CASA Acquisition & MDAB Growth
- Customer Experience Management
- Service Quality KPIs & SLAS
- Cash & Vault Management
- NEFT/RTGS/ECS
- Digital Banking Operations
- Process Automation & Lean Banking
- MIS & Performance Dashboards
- Team Leadership & Capability Building
- Stakeholder Management
- Business Continuity Planning (BCP)
- Fraud & Loss Prevention
- Finance Core Banking
Accomplishments
- Maintained consistent audit-ready branches with strong compliance scores across multiple audit cycles.
- Contributed to sustained CASA and MDAB growth through disciplined operations and front-line execution.
- Improved service quality and complaint resolution efficiency through process standardization and KPI monitoring.
- Strengthened branch risk posture by proactively monitoring AML alerts, exception transactions, and office accounts.
Languages
English
Hindi
Odia
Timeline
Branch Operations Head
Axis Bank Limited
01.2007 - Current
Sales Executive - Insurance & Wealth Products
MRM - Insurance & Risk Management
Amity University
Bachelor of Arts -
Ravenshaw Autonomous University
Certifications And Systems
- NISM Series V-A
- IRDA IC-38
- Finacle 11E (Core Banking)
- MS Excel
- CRM Systems
Personal Information
- Title: Branch Manager | Cluster / Regional Operations Leader (Retail Banking)
- Availability: Open to Cluster & Regional Roles, Bhubaneswar / Cuttack, Odisha