Sameer Chouksey

• Develop and implement comprehensive digital banking strategies to leverage business opportunities in both the short and long term.
• Monitor and analyze competitive digital trends and their potential impact on business and innovation strategies through thorough research and industry benchmarking.
• Define and enhance customer requirements, features, value propositions, and experiences for digital banking products.
• Provide expert guidance and support to customers, addressing any issues or concerns related to internet banking services.
• Ensure compliance with government regulations and industry standards pertaining to internet banking.
• Identify and resolve technical issues affecting online banking services promptly and efficiently.
• Analyze customer feedback and usage data to identify areas for improvement and implement necessary changes.
• Train staff members and customers on the benefits and features of online banking.
• Engage in customer service operations to maintain high levels of customer satisfaction.
• Organize and conduct direct customer meetings for sales pitches and tailored solutions.

· Led multiple teams within the corporate digital banking sector, including Payments, Bill Payments, Services, Projects, Shopping & E-Commerce, and Digital Products for the Current Account segment.

· Developed a next-generation web-based digital banking experience for retail and corporate customers, including large enterprises and SMEs.

· Transformed the bank’s web strategy to convert the public website into a revenue-generating tool.

· Increased adoption and usage of all digital channels (internet and mobile), enhancing cross-sell and up-sell opportunities for the bank’s products.

· Directed the Current Account team in creating digital products and services to boost customer acquisition, engagement, and revenue growth.

• Gathered and analyzed business requirements, translating them into detailed system and technical specifications.
• Issued RFPs and conducted comprehensive vendor evaluations for migration projects.
• Organized campaigns to expand the customer base, increase transaction volumes, and introduce new functionalities.
• Managed vendor relationships, including payments, legal documentation, SOW finalization, and signoffs.
• Oversaw comprehensive project management activities, ensuring timely delivery within defined time and quality standards.
• Ensured effective project planning, execution, and seamless end-to-end transitions within established norms.
• Collaborated independently with technical teams and clients to identify business needs, execute projects, and conduct testing.
• Maintained strong working relationships with stakeholders, clients, peers, support teams, and vendors.
• Secured approvals from the Process Approval Committee (PAC) for migration, review, and new process implementation.

· Implemented fraud prevention initiatives to significantly reduce fraud losses for the organization.

· Researched and evaluated new authentication and antifraud applications, delivering detailed analyses and presentations to senior management.

· Led process automation projects, including Authentication Solutions, Monitoring Solutions, FCRM, Case Management, and IVR.

· Analyzed root causes of high-value frauds, organizing fraud monitoring committee meetings and presenting recommendations to prevent future incidents.

· Managed RBI escalations, preparing and delivering effective responses to address and resolve issues.

· Led a team of five dynamic Area Managers and 10 diligent verification agencies.

· Managed risk containment for major products, including Credit Cards, Home Loans, Vehicle Loans, and Personal Loans.

· Oversaw the audit and training of channel partners and stakeholders to ensure compliance and efficiency.

· Provided feedback on business and policy enhancements based on study findings and fraud trends.

• Managed the entire Asset Loan product portfolio for Uttar Pradesh.
• Identified fraudulent loan applications through trigger-based and random document sampling, coordinating verification with relevant departments.
• Analyzed fraud trends, investigated cases, and ensured the recovery of fraud losses for the bank.
• Supervised RCU agencies, ensuring they operated within TAT and maintained compliance.

• Enhanced team performance by providing ongoing coaching, training, and mentoring to sales representatives.
• Analyzed market trends and competitor activity to identify new business opportunities and areas for growth.
• Managed a successful sales team, consistently achieving and exceeding monthly sales targets.

• Built a high-performance sales team through diligent recruitment of top talent, strategic allocation of resources, and effective performance management.

• Implemented innovative marketing strategies to increase brand awareness ,customer engagement and achieve sales targets.