Siddharth Sinharay

About Siddharth Sinharay

I am a Financial services professional having 20+ years of experience in the sector with expertise in Corporate Strategy, Digital Transformation, Process Enhancements, Digital Sales, Banking & Insurance Operations, Persistency Management, Customer Insights & Data Analytics. As a strategy leader, I work closely with shareholders and senior management on various mandates around growth and profitability.I have experience of managing large teams and anchored many projects which have transformed organizations toward profitability, delivering customer value.• Strategic thinker - able to visualize and successfully drive business towards profitable growth through digital transformation, customer management, business conservation and cross-sell• Innovative inspirational leader with proven ability in delivering projects of strategic importance with ownership of business execution and P&L responsibility• Unique blend of experience and expertise on Strategy & Planning, Business Transformation, Project management, Digital Sales, Retail Operations & Process Excellence with skills on Analytics, Customer insights & Business process re-engineering• An expert on Customer acquisition & onboarding through Digital transformation alongside Retention & Persistency management, setting up call-centre (inbound / outbound) and improving NPS through analysis, data-driven interventions and controlsThrive to work with the objective of Financial Inclusion by transforming organizations, to an information-centric enterprise that is largely digitally enabled, fully connected, operationally efficient and capable of delivering high quality customer experience.

Experience

1. Head - Projects and Digital Stack for Bharat Banking

   Axis Bank

   Aug 2021 — Present · Mumbai, IN

   Have been part of the founding team for Bharat Banking to lead Projects & New innovations through Digital transformation, impacting business(es) on Rural and Semi-urban segment for the bank. From Mar \'24 also took up the mantle of leading Performance management for Bharat Banking with focus on Business Transformation.Some of the key initiatives undertaken and delivered- Colending stack for the Bank: A new business line through partnership with NBFCs (CLM1/CLM2) and Business correspondents (100:0)- Loan Originating system (LOS) on Salesforce Platform: Digitized customer onboarding for Farm mechanization (Tractor) and Micro-mortgage (Nano) segment with E2E digital journey on Customer profiling, Assessment, Field investigation, Credit analysis and pre-disbursement operations - Origination of CASA through BC partners: Instant account opening through our Business correspondent partners with eKYC Biometric (UIDAI APIs) catering for financial inclusion- Enhancing Microfinance business: New revenue stream through BC extension, Individual loan & Mid-term loan products and control measures through Penny drop, Digitized audit toolCurrently working on transforming Gold loan and Farmer funding business.

Education

• Chartered Insurance Institute

  ACII - Associate's degree, Life Insurance

  2007 — 2014

• South City College, Kolkata

  Bachelor of Commerce, Accounting and Finance

  1995 — 1998

• Indian Institute of Management, Lucknow

  Management Development Program, Strategic Business Negotiation and Communication

  2011 — 2011

• South Point High School, Kolkata

  Secondary

  1991 — 1993

• K J Somaiya Institute of Management

  MBA, Finance

  2001 — 2003

Skills

• Analysis
• Leadership
• Cross Selling
• Performance Management
• Financial Services
• Crm
• Project Planning
• Brokers
• Claim
• Call Centers
• Business Development
• Wealth Management
• Persistency
• Sdlc
• Insurance
• Relationship Management
• Business Process
• Outsourcing
• Sales
• Analytics
• Management
• Retail Banking
• Vendor Management
• Strategic Financial Planning
• Business Analysis
• Bancassurance
• Mis
• Business Planning
• Customer Retention
• General Insurance
• New Business Development
• Strategy
• Business Process Improvement
• Underwriting
• Negotiation
• Financial Risk
• Reinsurance
• Portfolio Management
• Life Insurance
• Finance