Dhruv Gupta

About Dhruv Gupta

I am a dynamic leader with 18+ years of rich experience and a proven track record in driving outcomes in the Retail Banking and Wealth Management industry. In my stints across the gamut of banking products, I have led the most demanding & competitive assignments and spearheaded critical automation & process simplification projects in the Wealth Management, Liabilities Products, Retail Assets, Cards, Merchant Payments & ATM Ops spaces.Currently, I am heading Portfolio Management for Burgundy, a Wealth Management program at a national level at Axis Bank. As one of the key members of the integration team, I was instrumental in migrating Citibank wealth customers (Citigold) to Axis Bank from policy creation to execution and post-migration relationship management.I am responsible for driving consistent growth in the top-line numbers - CASA & TD and AUM, by improving quality parameters like- True-Rate, PPC, Product Penetration in the Burgundy portfolio through Competition Benchmarking, RM-led & D2C campaigns, analytics-backed tactical offers and improvement in product proposition as well as realignment of RM KRAs to the growth goals, running rewarding Variable Pay programs and creating sustainable RM books.While leading the Burgundy RM team towards delivery of superior customer service, NPS and accomplishing growth goals, I need to come up with long-term & near strategies, carve out micro-customer segments, think & experiment with new channels and execute them seamlessly. I have built user-friendly sales management systems, delivered groundbreaking RM enablers, automated RM scorecards and simplified processes for increasing RM productivity.In my past stints I have learned how to design & set-up payment systems; implement processes for facilitating transactions on e-Commerce platforms. I have engaged with, motivated & incentivized a Retail Lending sales force for cross-selling Retail Liabilities and Third Party Products. It required me to think of campaigns, R&R programs, sales enablers & product offers to meet the growth budget.I am a straightforward, single-minded & smart working professional who is always ready to walk an extra mile to meet expectations. I am a keen learner who can work independently to accomplish goals / complete tasks through a problem-solving approach, self-study & research. I am a people’s person, being recognized as a mentor among my teammates & I take pride in it. I have frequently secured a place among the top 10% performers of the bank, exceeded expectations & have been top-rated by the management throughout the journey.

Experience

1. VP & Head - Portfolio Management, Burgundy - Affluent Business, Axis Bank

   Axis Bank

   Apr 2022 — Present · South Mumbai, IN

   I am responsible for managing P&L for Burgundy through incremental deposit & fee income growth and effective cost management. Drive growth in PPC - Products per Customer, increase in True-Rate (more customers meeting program eligibility), increase in NPS (Net Promoter Score), increase in penetration of Investment Products through Burgundy proposition & process innovations, D2C & RM-led campaigns, Customer Right Segment Fitment initiatives (upgrades / downgrades) as well as creating and running a rewarding KRA & Variable Pay program for Burgundy RMs.Accomplishments:• Citibank Integration & Migration – Driven and executed key decisions to migrate Citigold and aspiring wealth customers from Citibank to Axis Bank Burgundy involving Customer right segmentation, Right carding, sign-offs from ManCom, RM training, Workforce planning, SOPs, communicating Burgundy CVP and post migration relationship management.• Siddhi App - Burgundy RMs operate and manage customer transactions and service requests through a groundbreaking employee app. I co-created the employee app which makes life easy and simple for our RMs while fulfilling customers\' requests First-Time-Right. • Co-Created and launched Magnus for Burgundy Credit Card - In September 2023, Magnus for Burgundy Credit Card was launched. It is an exclusive and premium credit card most suited for high-income individuals with a taste for luxury and opulence. • Burgundy Circle of Trust - 5-point contact D2C campaign to communicate contact details of the entire Circle of Trust team – RM, Service RM, Wealth Specialist, Branch Relationship Manager, Branch Head. • Burgundy KTB Campaign: Launched KTB - Know to Bank D2C campaign via Email channel to target ETB CA, TD, CC & Loan only customers and drive Burgundy NTB A/c acquisition.• Rallied BIU & IT teams to formulate, prepare, automate and rollout KRA & Variable Pay plan and scorecards Burgundy RMs

Education

• Panjab University

  Bachelor of Commerce (Economic Honours), S.G.G.S College,Chandigarh

  2002 — 2004

• Kendriya Vidyalaya

  KV Tagore Garden,New Delhi, Matriculation (CBSE)

  1998 — 1999

• Central Board of Secondary Education

  DC Model School,Chandigarh, Higher Secondary

  2000 — 2001