Arun K Sharma
Cluster Head @Utkarsh Small Finance Bank
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WORK HISTORY
Cluster Head @Utkarsh Small Finance Bank
Indore, IN
Utkarsh Small Finance BankCluster Head – MPCG RegionApril 2022 – Present | Indore, Madhya Pradesh ∙ Manage a Cr+ cluster portfolio across Liabilities, TPP, MSME, and Retail segments, ensuring sustained profitability and regulatory compliance. ∙ Drive ₹300 Cr+ in institutional and government deposits through strategic partnerships with State Government bodies, Nagar Nigam, Panchayats, RDA, and cooperative societies. ∙ Accelerate CASA growth, gold loan penetration, and cross-sell of third-party products (Mutual Funds, Insurance, Term Deposits), significantly boosting fee-based income. ∙ Lead cluster-wide digital banking transformation, improving customer experience and reducing operational turnaround time. ∙ Direct 20+ branch, multi-geography team; built a recognition-driven, high-performance culture resulting in consistent top-quartile cluster rankings. ∙ Maintain “zero observation” audit status through proactive compliance frameworks, robust internal controls, and continuous staff development.Additional Responsibilities (November 2025 – Present): ∙ Gold Loan Operations: Direct ₹6 Cr monthly gold loan portfolio across 34 branches, ensuring compliance, efficiency, and sustained growth. ∙ RM Channel Leadership: Lead 32 Relationship Managers in the West Zone, achieving ₹140 Cr NTB CASA sourcing with strong TPP penetration and cross-sell across asset and liability products. ∙ ETB Portfolio Management: Oversee a ₹2,400 Cr ETB book across the West Zone, strengthening client retention and unlocking incremental revenue streams. ∙ Team Development: Mentor zonal teams to achieve sector benchmarks, fostering a culture of accountability, compliance, and customer trust.Cluster Head | Portfolio Management | CASA | Liabilities | MSME | Gold Loan | TPP | NTB | ETB | Government Deposits | Compliance | SFB | Digital Banking | Relationship Management | West Zone | MP | CG
EDUCATION
Maharana Pratap College of Technology
B.E, Computer Science
ABOUT ARUN K SHARMA
Dynamic and results-driven banking professional with 19+ years of progressive leadership across Small Finance Banks (SFB), Private Banks, NBFCs, and Life Insurance. Proven track record managing multi-state cluster portfolios exceeding Cr across Liabilities, MSME, Retail, and Third-Party Products (TPP).Specialist in government and institutional deposit mobilization (₹300 Cr+), CASA growth, microfinance operations, gold loan management, and digital banking transformation. Experienced in leading large, multi-geography teams of 30+ and maintaining zero-observation audit records.Core Expertise:Portfolio Management | Cluster Head Operations | Branch Banking | CASA & Liabilities Strategy | MSME Lending | Gold Loan | Microfinance | Government & Institutional Deposits | NPA Management | Digital Banking | Cross-Selling (MF, Insurance, TPP)| Compliance & Regulatory Adherence | Team Building & Succession Planning | Financial Inclusion | CRM & Customer EngagementCertifications: AMFI Certified (NISM Series V-A)| IRDA Certified – Life Insurance | IRDA Certified – General InsuranceOpen to opportunities as: Cluster Head | Regional Head | Zonal Head | Area Head | Senior Branch Head Indore, Madhya Pradesh | Central India (MP/CG)
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