Anuj Kumar Agarwal
I am a consultant
About
As a seasoned banking professional and planning and policy specialist, I bring a wealth of experience in strategic program management, regulatory compliance, ethics and operations oversight. In my role as Chief Manager at State Bank of India ( Government of India owned Public Sector bank) I have driven initiatives to optimize branch operations, ensuring profitability through strategic asset-liability management.( ALM) cost benefit analysis and efficient allocation of manpower . I have conducted in-depth audits as a team leader of branches/offices to safeguard operational integrity and regulatory compliance, directly contributing to the organization’s front line, second and third line of defence.
With a strong background in foreign exchange operations and ensured compliance with national standards, effectively enhancing profitability while mitigating risk. My expertise includes overseeing end-to-end banking operations, from recruitment and onboarding to staff training and performance appraisals, fostering a high-performance culture within the organization. I have consistently improved team efficiency and service quality through respect diversity, structured capacity building and performance management frameworks.
Skilled in maximizing profits through building trust, teamwork, business strategies, compliance, and client orientation, I have a proven track record of aligning banking operations with government and corporate guidelines. My strategic foresight and attention to regulatory detail enable me to navigate complex financial environments adeptly, delivering results that drive sustainable growth value.
Summary
- Possess a wealth of experience in the banking industry, with a focus on forex exchange, HR administration, credit sanctions, audit, and fraud management
- Expertise in Foreign Exchange operations including INCOTERMS, UCPDC 600, Bank Guarantees, Documentation, Letter of Credit, Bill of Lading, and Payment
- Demonstrated expertise in implementing & effectuating internal controls & risks, thereby ensuring compliance and achieving the defined organizational goals & objectives; defining & implementing measures to mitigate Credit, Market, Operational & Liquidity Risks across the organization
- Proven track record of successfully completing branch audits, identifying fraud, and recovering loan and operational charges
- Successfully developed & implemented risk-based audit strategy in accordance with the Standards for the Professional Practice of Internal Auditing, guidelines & best practice
- Skilled in conducting comprehensive risk assessments and implementing effective risk management strategies
- Strong leadership abilities, having managed teams of up to 4-5 Auditors and provided guidance to branches and Controllers of the branches
- Result-oriented Leader with proven talent in implementation of instructions/ directing & motivating teams towards the accomplishment of organizational goals; recognized for strong communication, analytical, negotiation & problem-solving skills
WORK EXPERIENCE
State Bank of India
State Bank of India
Full-time · 36 yrs 6 mos
On-site
Chief Manager
Jul 2017 – Jun 2023 · 6 yrs
New Delhi, Delhi, India
Sanction, control, Branch Operations, Payroll, Audit, Budget, Communication, Government business MSME, Ethics, Integrity, respect diversity, motivate to Juniors
Chief Manager
Dec 2013 – Jun 2017 · 3 yrs 7 mos
Mathura, Uttar Pradesh, India
Branch Manager
Jan 2010 – Nov 2013 · 3 yrs 11 mos
Delhi, India
Human relations, Deposit, Advance, profits, customer services, expenses management, and audited unit manage
Manager (Import Export)
Jul 2005 – Dec 2009 · 4 yrs 6 mos
India
Corporate customers handled at the profit centre. Exports, Imports, Negotiations, bills, Letter of Credits, UCPDC, SWIFT, Bank Guarantees
Branch Manager
Jan 1987 – Jun 2005 · 18 yrs 6 mos
New Delhi, Delhi, India
Branch Manager. HR, customer service, expenses, staff management, annual appraisals, core banking, cross selling. Head of auditee unit
Skills
Capacity Building, Interpersonal Skills, Courage to take unpopular stands, Public Relations, Project Management, Opportunity Identification, Coordination, Inspire Others, Decision-making, Empowering Others, Financial Analysis, Leadership, Professionalism, Business Integrity, Creativity, Relationship Building, Strategic Planning, Problem Solving, Data Analysis, Accountability, Communication, Teamwork.
Key Result Areas
- Applied strong credit skills to ensure the credit quality of existing & newly acquired relationships is maintained and in line with the Bank’s acceptable credit parameters
- Evaluated internal control systems / procedures, prepared audit reports with a view to highlight the shortcomings and implemented necessary recommendations
- Independently completed complex internal audit assignments requiring in-depth understanding of banks circulars/instructions, as well as Internal Audit & accounting standards Risk Internal Focused Audit
- Developed modelled approaches to new credit enhancement, risk sharing agreements, and determined strategies for using various financial product lines
- Coordinated regulatory and Audit Services engagement and reviewed activities focused on the Credit Risk Management group within Corporate Risk
- Attended all Audit Committee Meetings, presented and led discussions on risk, internal audit, control effectiveness and efficiency
- Carried out analysis/review of legal cases; managed high value fraud cases, defaulters & insolvents and initiated appropriate legal actions against them
- Ensured the fraud cases were opened accurately, customer accounts profiled, refunds credited, customers notified, interest & charges credited
- Participated in interviewing and building a strong team of staff auditors to help meet the department’s needs
- Demonstrated excellence by successfully conducting and addressing operational risks in over 190 branch offices and credit units
- Coordinated multiple audit projects, including issue identification and execution of corrective action plans in accordance with regulatory and departmental guideline
Special Assignments
- Jul’05 – Nov’09: Corporate Account Group Branch 17313 (erstwhile 09996), International Banking Division: Managed multiple Sections such as Swift, Export Bills Negotiations, Imports, Bank Guarantees Buyers Credit etc.
- Jul’98 – Jul’01: Export LC Advising, Inward Remittances/ Outward Remittances, Pre-shipment Credit Post-Shipment Credit, etc.
Extra Curricular Activities
- Visited Australia, Singapore, United Kingdom of Great Britain and Northern Ireland, Malaysia, and Sri Lanka
- Donated about 30 Units of Blood at various Institutions including at Indian Red Cross, New Delhi during last 3 decades
- Impressive success in completing Foundation Course in Yoga science for wellness FCYscW (Offline) 50 Hours in Oct’2008 from MDNIY, New Delhi
- Certificate Course in Yoga as Protocol Instructor CCYPI (Offline), completed from Morarji Desai International Institute of Yoga, New Delhi in Aug’23 as Protocol Instructor
- Steered efforts in various assignments in a carrier of 36 Years with SBI such as Branch Head for more than 10 Years, and Internal Auditor in Hyderabad location
- Jun’17: Become Internal Auditor selected by Internal Audit Department, Corporate Office of Audit, Hyderabad headed by Dy Managing Director from Group of SMGS, with a minimum experience of about 25 Years in Administration, HR, Branch Head, Sanction of Credit, NPA Management, Export/Import along with Forex Remittances
EDUCATION
Indian Institute of Foreign Trade
Certificate Programme in Export Import Management (Offline), International Business/Trade/Commerce
Aug 2023 – Dec 2023
Grade: B+
Activities and societies: Quiz and assignments were submitted.
Letter of credit expertise under UCPCDC 600. Documentation on export negotiation.
Skills: Event Planning, Business Management, Foreign Exchange, Business Analysis, Import/Export Operations, International Trade, Leadership, Indian Economic, Economics, Management, Professional Skills
Rajendra Prasad Institute of Communication & Management
Associate’s degree, Public Relations, Advertising, and Applied Communication
Jan 1991 – Dec 1991
Grade: B+
Activities and societies: Principles of Public Relations, Advertising, Corporate Public Relations
Successfully completed.
Skills: Event Planning, Portfolio Management, Client Orientation, Business Analysis, Leadership, Management, Human Resources (HR), Operational Planning
NEW DELHI YMCA
Postgraduate Diploma in Personnel Management, Human Resources Management/Personnel Administration, General
Jul 1988 – Jun 1989
Grade: B+
Activities and societies: Management & Organisation, Personnel Management, Wage and Salary Administration, etc.
Completed.
Skills: Leadership, Human Resources (HR), Operational Planning
Chaudhary Charan Singh University
Master of Arts – MA, Economics
Jul 1984 – Jun 1986
Grade: B+
Activities and societies: Case study on Statistics
International Business, Microeconomics, Macroeconomics, Statistics
Skills: Research Skills, Business Analysis, International Trade, Indian Economic, Economics
University of Delhi
Bachelor of Arts – BA, Economics, Commerce
Jul 1980 – Jun 1983
Grade: B+
Activities and societies: Commerce, Economics were main subjects.
Offline course attended in the evening 4:00 PM to 9:00 PM
Skills: Accountancy, Macroeconomics, Business Management, Commercial Law, Auditing
PROFESSIONAL QUALIFICATIONS
CCYPI 200 HOURS
Morarji Desai National Institute of Yoga (MDNIY)
Issued Mar 2024 · Expires Sep 2029
Indian Institute of Banking & Finance
CAIIB
Issued Mar 2015
Skills: Import/Export Operations, Human Resources (HR), Management
Morarji Desai National Institute of Yoga (MDNIY)
Foundation course for health promotions 50 Hours
Issued May 2008 · Expires May 2029
Skills: Shat karna, Kunjal, Sutraneti
Indian Institute of Banking & Finance
Junior Associates of Indian Institute of Bankers
Issued Nov 1989 · Expires Jun 2029
Skills: Indian Economic, Accountancy, Foreign Exchange, Commercial Law, Banking Law and Practices
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