1. JAYANT TONDON
Phone: 011 27144705(R) /, +91 9911350035
Email: firstname.lastname@example.org, email@example.com
Seeking assignments with a reputed organisation in the Banking / Financial Services Sector /
Consulting / Start Up
Seasoned Banking Professional with 17+ years of rich experience comprising of: -
Banking Operation, Digital Transformation and Consulting, Product Management and Business Solution in a highly
fragmented IT land scape for Banks, Non Banking Finance companies .
Strong Customer focus has handled successfullymultiple diverse stake holders comprising of senior management and the
program managers of different Banks while Leading Value workshops .
Solutioning of Business Problems through strong combination of business and IT.
Headed BA group practice and part of core team for Product Strategy implementation.
Product Management, Product Implementation and Team Management in banking space.
Consulting and Business Transformation
In Depth Knowledge on: -
Branch Banking Operations (Origination,Managementand Collections) and integral business process for
o Asset Side of Business :- Retail Loans ( Auto, Mortgage, Consumer Durables and Personal loans ).
o Liability side of Business :- Time Deposits (FD,COD), Demand Deposits (CA, SB)
As-Is Process and business Land Scape Assessment
Collaborating with Client to define transformation Strategy
Defining key milestones and Performance assessment
Defining Gaps and Providing Solution through combination of Business and IT
Product Development, IT solution and final solution roll out.
Skilled in understanding business problem with minimum inputs
Possess excellent interpersonal, communication and organisational skills
Facilitating diverse learning
Building productive relationship with clients and staff
Deftness in Sales, Financial Process Management, Credit and Risk Management,
Quality Assurance, Statutory Compliances and MIS Development in banking industry.
Proficient at managing & leading teams for running successful process operations & experience of developing strategic
plans, procedures, service standards for business excellence. Handled a team of 40 people.
Demonstrated experience in the practical implementation of Credit and Risk Management,Six Sigma and Five S
Banking software handled ISBS, Finacle (Core Banking), Finn one (Assets), CRM.
2. Sr Business Consultant (July, 2007 to present ---Nucleus Software Exports Ltd.)
Present Job profile includes :-
Understanding Big Picture to find compelling reason for transformation journey and take series of Value workshop
sessions to understand “As-Is” and “To- Be” state to define and strategic transformation journey.
Identifying process Gaps and provide solution around the same through combination ofindustrybestpractices,regulatory
landscape and IT.
Providing leadership /direction for planning,budgeting and deriving business value from every productinvestmenti.e.
creating business case.
Work with recognized Analysts and Advisory firms to create brand awareness and enhance visibilityand presence.
Managing and Anchoring of client requests (RFP/RFI) and liaising with internal stakeholders and providing Industry
expertise and Point of View.
Business process transformation and end to end product rollout for different lines of business auto, home, personal, OD
working capital loans from origination, Loan management, collections and accounting at :-
a. Bussan- India (6 Months duration) b. UFC- Oman (2 Months duration)
c. Bank of Philippines ( 3 Months duration) d. Bussan- Indonesia (2 Months duration)
e. Sakan- Egypt (6 Months duration), f. Capital Harvest- South Africa (2 Months duration)
g. Bai Tusam - Bishkek (1.5 Year duration) h. Toyota Financial Services - India (1 Year duration)
i. Amcon- Nigeria (7 Months duration) j. Hero Fin Corp-India (1 Year duration)
k. PFRS-Philippines (3 Months duration), l. SHB -KSA (1 year duration).
Single seamless integrated loan processing platform minimizing manual processes and giving improved visibility
Multiple productand scheme handling enabling banks /finance companies to roll out multiple products and schemes
Standard work flow definition across multiple line ofbusiness giving more business and agility
Ability to view bottlenecks in the process
Improved risk managementand controls
Scalabilityand handling high volume oftransection with 98 % uptime
Standardise accounting across differentlines ofbusiness
Improved NPA management
Pre delinquencymanagementthrough analytics
Digital Transformation initiative
Engaged with two large banks with multi country presence to define go digital strategy ..
Key Challenges on digital imitative
Customer Engagementwith intelligence.
Defining customer life time Value in context to the Bank/NBFC.
Moving from desperate marketing to organized marketing strategies which can be simulated and tested
Customer centricityin productofferings.
Customer 360 degree view across differentregional entities.
Consolidation ofmultiple subsidiaries and their processes technologyadoption,rule engine adoption, tuning and
Placing emerging technologyinto internal processes.
Improved business user experience and customer experience
Assessmentofdata storage,management,Workflow,process,integration ,BI, analytics ,reporting
Sr. Branch Manager-Branch Banking and compliance and risk officer and Loans documentation officer for SOUTH Cluster
(Jan2001 to Jul 2007 ---At ICICI Bank And IDBI BANK)
3. Risk and compliance Auditor for the cluster
Job responsibility included doing surprise audits for the branches in the cluster
Monitoring their compliance and awarding score and improvement plan
Quality Implementation & Assurance System
Managed Six Sigma, Five S team and derived deployment of several projects and process improvement strategy &
methodology, ensuring maximum operational efficiency.
Coordinating with auditors for conducting internal and statutory audits; evaluating internal control systems to highlight
shortcomings & implement corrective actions.
Implementing internal control systems to monitor the performance of associates,ensuring compliance with pre-set quality
parameters and meeting CTQs with 100% accuracy level.
Business Development / Client Servicing
Implemented competent strategies with a view to penetrate new accounts and expand existing ones, meeting pre -
determined business objectives.
Mapping client’s requirements and providing them with customized solutions to suit their needs.
Handling customer centric operations & ensuring customer satisfaction by achieving delivery & service quality norms.
Conceptualising and implementing cross selling & lead management activities.
Retail Credit /Financial Analysis
Approval of loans with value less than 3 Cr
Conducted market analysis to assess prevalent environment, identify business risks and implement effective
mechanisms to mitigate the same...
Doing First Appraisal report on all retail loans (i.e. Home Loans, Personal Loans).
Doing in depth analysis for working capital loan requirement i.e. cash credit limit against book debts ,or against stock
hypothecation , accessing preshipment and post shipment export credit .
Conducting extensive research on prevalent market requirements & justifying new product development
Doing credit scoring and behavioural scoring for retail and SME customer.
Portfolio & Risk Management
Monitored clients’ portfolio performance, conducting profitability analysis, rendering sustained advisory services for
securing high ROI and increasing retention levels.
Analysing risk appetite of an individual for providing them apt investmentsolutions,ensuring thatsolutions provided match
the risk profile.
Evaluating different product lines.
Identifying & implementing strategies for building team effectiveness by promoting a spirit of cooperation between team
members; conducting performance appraisals for providing feedback on areas of improvement to associates.
Since Oct’1998, to Nov’2005 with ICICI Bank Limited, New Delhi
Since Nov’2005, to July’2007 with IDBI Bank Limited, New Delhi
From July, 2007 till date with leading BFSI company working as Sr. Business Consultant (Grade-10).
Sep’99 _ Jan’01 Credit Manager
Jan’01 _ Nov’05 Branch Manager
Nov’05_ Jul’07 Sr. Branch Manager
From July, 2007 till date with Leading BFSI company asSr. Business Consultant (Gr-10).
Notable Achievements in IT sector
1. Done successfullybusiness process consultancyofDeposits,Teller,Loan originating system,Loan managementsystem,
General Ledger,Follow up module when the loans become delinquent in various geographies.
4. 2. Was instrumental in breakthrough oforders from Egyptian market.
3. Have been awarded accolade for handling one ofthe large projects in CIS, Africa which was having highly complex
4. Member of top talentclub
Notable Achievements in banking sector
1. Won many contests of Insurance and deposits I was instrumental in increasing the retail deposits of Hauz khas branch
from 20Cr to 120Cr in less than two years span of time
2. Secured 90% score in customer satisfaction surveyby constantlymaking improvements in delivery process Five S Level II
compliance and sustenance Continuous guidance of tem members through 5s methodologies
3. Used Six Sigma concepts to reduce accounts rejection rate. Helped in defining TATs for various processes like DD PO
issuance major significance being voucher retrieval TAT reduction to 30 Sec
4. Putting emphasis on critical requests to improve customer satisfaction by doing fault analysis.
5. Instrumental in designing critical parameter report for the branch to know the state of affairs in the branch.
6. Having won host of Insurance and deposit mobilization contest.
Oct’98 – Sept’99 with ICICI Bank, New Delhi as Asst Manager( Selected as direct Probe Officer for the test meant for
Management Trainee because of high score in the written Examination)
Accountable for handling various banking operations involving cash, clearing, deposits and fund transfer returns and back office
Sep’99-Jan’01 Credit Manager
Job profile being Retail Credit Manager which includes Inland LC bill issuance and discounting. Issuance of
Appraisal for retail credit less than three crores i.e In depth screening ofproposals for judging solvency/ payment
capacity; studying the companyand industry performance to determine risk parameters and final rating .
Execution of documents after sanctioning
Charge creation and registration with ROC for public ltd company
Monthly review of limits and their revision as per stock statement
MIS reporting to corporate office and RBI
Monitoring of NPA accounts
Branch credit portfolio grew from Rs 3 Crore to 100 Crores within a span of nine months.
Branch made an income of Rs 18 lakhs through LC Bills discounting.
Commenced professional career in Apr98, from April 98 till Oct’98 with .M/s Mahavir Spinning and General Mills Ltd (Vardhman
Group)as Officer Job profile included designing of sales plan and collection plan , new customer acquisition, maintaining cli ent
As a part of three member specialized team my job was to make time and motion studies at the prospective client site give
him necessary feedback to improve the same and coordinate with works for any kind of quality issues.
Translating voice of customer into quality/ production related issues
Giving feed back to works on quality and voice of the customer
Prior to this worked as R & D officer with M/s Calcom limited and Management Trainee with M/s J K Synthetics Ltd
Master’s Degree in Physics with Specialization in theoretical Super Conductivity & Lattice Dynamics from Delhi University in
Bachelor’s Degree (BSc) – Hons. (Physics) from Delhi University in 1993.
Six Sigma Green Belt from Indian Statistical Research Institute
Date of Birth : 14th
Residential Address : Ba / 58A, Ashok Vihar ,Phase-1, Delhi-52