Saurabh Kesarwani
Zonal Business Head - Consumer Banking (West) @Utkarsh Small Finance Bank
Signup · Get unlimited contacts
WORK HISTORY
Zonal Business Head - Consumer Banking (West) @Utkarsh Small Finance Bank
Mumbai, IN
Heading revenue and P&L for West India consumer bank branches for Liability -(Retail & Institutional), Secured Assets & Business Banking. Leading 3 of the Top-8 cities of India - Mumbai, Pune & Ahmedabad, cutting across, Forex, Investment products, Digital acquisition & Affluent banking channel for Utkarsh SFB. Managing composite balance sheet of ~ INR across 5 key states (MH,GJ,Goa,MP,CG)Responsibilities include managing Business & Operations, Fostering customer experience - CX, Digital Initiatives, People development, Process, Audit & Compliance for the zone. Mandated to make network profitable in defined timeline, Attract top class talent, Develop culture of meritocracy & Exponentially grow & deepen distribution franchisee across strategic markets.
EDUCATION
Indian Institute of Management Ahmedabad
Senior level General Management Program
Kotak Analytics Academy
Certificate Program, Data Analytics for managerial decisions using statistics / Machine Learning & AI in banking
Indian Institute of Banking & Finance (IIBF)
CAIIB
Udemy Alumni
Certificate Program, Microsoft Power BI for Business Intelligence & Data Analyst
IDEMI, Ministry of MSME, Govt. of India
Advance Strategies in Digital Marketing with AI
IDEMI, Ministry of MSME, Govt. of India
Artificial Intelligence for BI & Business Analytics
Certificate Program on Export Management
Small Industries Development Organization
NIIT
GNIIT - 2 years Software Development course with 1 year of Industry Experience, Information Technology
Devi Ahilya Vishwavidyalaya
MBA, Marketing, Finance
Chatrapati Sahuji Maharaj Kanpur University, Kanpur
Bachelor of Science (BSc), Chemistry
SKILLS
ABOUT SAURABH KESARWANI
Seasoned business leader with 20+ years of experience in the BFSI sector (NBFC, Large Private bank & SFB) spanning both assets and liabilities. My expertise covers mortgages and deposits book growth, business planning and distribution, strategy & innovation, product design & digital transformation. I carry sharp relationship management skills, with a strong track record of leading large,high-performing teams. My career spans traditional branch-led banking to designing and scaling digital first financial ecosystem.At Kotak Mahindra Group, having spent long 18+ years at leadership roles, I gained deep exposure to both wholesale and retail asset businesses, managing SME customers(500 cr+) across sectors such as logistics, vehicle financing, agriculture, and commercial banking.This experience built my understanding of rural lending and liability business models.Having worked across metro, urban, and semi-urban markets. I bring unique insights into the dynamics of financial products & proven skill to drive P&L across spectrum of retail & business banking. I bring with me strong ability to leverage data, digital & technology, combining distribution excellence with digital-first solutions. Have reimagined varied business models, delivering profitable growth, market share gains, & superior customer experiences.Currently, as Head - Western India at Utkarsh Small Finance Bank,I am building Liabilities, Investments & Business Banking portfolio, driving scale and profitability.Previously, I was part of the core consumer banking team at Kotak, managing branch banking franchise in West & North India.Played a pivotal role in setting up the Emerging Market vertical from scratch,shaping strategies for sustainable and cost-effective growth.Key Responsibilities: Business Development: Retail, Affluent & Institutional Banking | Sales Analytics | Digital Channel Expansion | Team Building Governance & Service Quality: Operations control, compliance & audit readiness, stakeholder management, & customer centricity Profit Centre Leadership: Full P&L ownership, portfolio management, & revenue-cost optimizationCore Strengths:*Building and nurturing high-performing teams*Driving digital adoption and data-driven decision-making*Strategic thinking with precision execution*Customer-first leadership with strong ethical values*Crisis management and adaptability across market environmentsIf you are seeking innovative banking solutions or top-tier financial and risk advisory, let’s connect to co-create. I am open to building partnerships and creating long-term value.
This profile is compiled from publicly available professional sources. Unifers is not affiliated with or endorsed by LinkedIn. Request removal of this profile.