raunak bhagwate

Held a combined operations and leadership mandate with end-to-end ownership of payments operations, regulatory compliance, and cross-border transaction integrity for SBI’s European operations. Operating at the centre of Euro clearing, SWIFT infrastructure, and multi-jurisdictional regulation.

Owned regional corporate salary acquisition and activation across a large Mumbai cluster, combining direct sourcing, process correction, and multi branch coordination in a setup initially operating with a single relationship manager. Orchestrated seamless execution across branches, operations, and compliance teams to ensure timely account activation and regulatory adherence. Regional Ownership, Scale & Business Delivery

Led end-to-end branch operations during one of the most disruptive phases in banking, combining business growth and delivery, operational control, and crisis execution in single-officer and severely resource-constrained setups. Consistently improved business performance, audit outcomes, and sales productivity despite COVID-era staffing and operational challenges.