Arup Anand

Responsible for growing partnership with key corporates in the UK and offering personal banking solutions to their employees

• Identifying market opportunities for the Indian diaspora through continuous engagement with key stakeholders across identified corporates in the UK.
• Curating the bank's personal banking offerings by driving discussions with internal, cross-functional teams in India, and the UK.
• Conducting regular webinars with the employees of these corporates to pitch and showcase the bank's offerings.
• Established a strong connection with the HR heads of the top 15 identified corporates in the UK, and their global mobility desk(s) in India.

Also responsible for forging partnerships with leading student consultant firms based in India and offering personal banking solutions to UK-bound students.

• Entering into a commercial agreement with key student consultants operating in India to offer personal banking solutions to their UK-bound students.
• Driving a team of relationship managers to ensure continuous engagement with the frontline staff of these consultant firms, as well as the students, to increase the sourcing of UK personal bank accounts.
• Nearly 2X growth in the sourcing of bank accounts for students, as compared to previous year.

Head of distribution and a certified resource, responsible for tapping opportunities across the Indian diaspora, and thereby increasing the bank's market share in the identified profit pool in the UK.

• Led the branch teams in identifying the right set of customers, profiling them in detail to understand and meet their banking requirements in the UK, as well as in India (NRI banking). Assisted with day-to-day operations, working efficiently and productively with all team members.
• Imbibed the bank's culture of being 'fair to the customer, fair to the bank,' during all customer engagements. Drove the team to engage with customers with complete transparency, pride, and dignity. This also facilitated the adoption of the Consumer Duty norms across the bank's branches.
• Established a culture of listening to the voice of customers, receiving their feedback, and continuously improving our offerings to meet customer expectations. During my tenure, the customers' feedback scores on our branches' services improved from 3.0 to 4.5 on Google and iOS platforms.
• Identified potential catchments in the UK and set up three new branches, taking the total count of branches to ten. This will enable the bank to increase its outreach and market share in the coming years.
• I drove personal banking business across branches. The local relationship deposit increased by 30% during my tenure. Besides, the branches also mobilized an incremental 25% NR deposit book in India, taking the bank's market share among all Indian banks from around 14% to almost 19% in two years.
• Drove usage of the newly launched Money to India platform in the market to tap into the UK-to-India remittance market opportunity. Onboarded almost 6,000 new customers on the platform since it was launched about a year ago.

Responsible for profitably driving the Bank's SHG business across the country through a dedicated team of 700+ employees, with a focus on increasing market share.

• Drove the adoption of best practices and the alignment of processes and policies with the market by introducing standardized processes and documentation methods, and ensuring compliance with the regulatory norms.
• Collaborated with sales and marketing teams to develop go-to-market strategies that improved our market share, employee productivity, and operating profits.
• Regularly reviewed competitor offerings to ensure our products remained at the forefront of industry trends and post-pandemic innovations, while also complying with the evolving regulatory standards.

Launched and drove retail asset products in the rural markets of India.

• Launched retail asset products in the rural markets of India in April 2018. These products included mortgages, car loans, personal loans, and credit cards.
• Ensuring continuous engagement with the branch team to train them on the product features, latest policy amendments, customers' eligibility norms, and the loan application process to capture business opportunities in the market.
• Responsible for delivering these products profitably from almost 1,800 branches across India. Also responsible for driving branch activation, employee productivity, and channel profitability by offering suitable retail asset products to customers in the identified market.
• Business ramped up to a monthly disbursement of about GBP 70 million across branches.

Responsible for working closely with the head of business to drive the bank's strategy.

• Designed, customized, and automated various business reports, which helped all stakeholders track business performance across products and markets.
• Designed and regularly published a balanced scorecard for almost 15,000 colleagues in my business vertical, which helped these employees improve their performance and also assisted their supervisors in monitoring their teams' performance.
• Worked closely with the business head and all product heads to provide data and analytics to prepare their business strategies, and in timely and effective communication with the frontline colleagues.
• He was also responsible for evaluating the effectiveness of various business partners and outsourcing agencies, tracking their impact on business, and ensuring timely payouts to avoid conflicts, and ensuring that various product teams engaged seamlessly with these agencies to source incremental business.

• Managed relationships with over 50 key Micro Finance Institutions (MFIs) across the country. This required assessing financial requirements of these MFIs, evaluating their financial strength to borrow, preparing proposal notes and getting the proposal approved by sanctioning authorities. I was also responsible for preparing post-sanction documents and getting them executed for disbursing the loan.
• Responsible for monitoring the portfolio quality for business sourced through these MFIs.
• Designed and executed various portfolio buyouts, direct assignments, and investment transactions with these MFIs. I was also involved in structured deals involving multiple banks, investors, and MFIs.
• Handled the corporate debt restructuring of credit facilities extended to 4 MFIs based in Andhra Pradesh. This included designing and executing the debt restructuring proposal in consultation with over 30 lenders, investors of these MFIs, and their respective legal counsel.