Saurabh Agarwal

Digital Transformation Manager @Utkarsh Small Finance Bank

Varanasi, IN
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+91 *********19

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WORK HISTORY

May 2023 — Present

Digital Transformation Manager @Utkarsh Small Finance Bank

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Varanasi, IN

Managing ‘retail’; Credit Risk portfolio of the Bank. We have been able to enhance the secured lending in the overall retail portfolio from 50% to 90% within a period of 2 years. This has been possible due to informed decision making of the risk-reward ratio; associated with such lending. Instrumental in launching products and product variants to provide differentiated customer services and diversifying the risk of the Bank. Utkarsh has launched multiple products such as…

EDUCATION

2008 — 2009

The University of Edinburgh

MBA, Finance and Strategic Management

1999 — 2003

Institute of Chartered Accountants of India

CA, FINANCE

2001 — 2003

Mumbai University

M.Com, Finance and Accounts

2000 — 2003

The Institute of Company Secretaries of India

CS, Corporate Law

SKILLS

Business StrategyFinancial ModelingBusiness AnalysisRisk ManagementManagementFinanceBankingTeam ManagementProject FinanceInvestment BankingCorporate Finance

ABOUT SAURABH AGARWAL

Career Objectives To maximise wealth creation for stakeholders. Apply analytical, diligent and ethical skills to achieve the growth of the organisation through increased brand recognition and customer satisfaction. Professional Experience Chartered Accountant with over fifteen years of experience in the credit risk underwriting & digital project management. Specialties: Inter personnel Skills, Risk Management, Process Innovation, Project Management, Deveopling Brand Loyalty and Human Resource Development

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Saurabh Agarwal — Digital Transformation Manager at Utkarsh Small Finance Bank in Varanasi, IN | Unifers