Sapna Bhargava

Questioner
DISC Type : c

Vice President - Learning & Development at AU SMALL FINANCE BANK

Mumbai, Maharashtra, India

Overview

Sapna Bhargava is a seasoned banker with over 21 years of expertise in Learning & Development, Digital Payments, and Banking Operations. A holder of CAIIB and an MBA in Finance, she currently serves as Vice President - Learning & Development at AU SMALL FINANCE BANK, leveraging her extensive background in leadership coaching and retail banking.

According to colleagues, she was a school and university topper and has frequently won "Employee of the Year" awards throughout her career.

Personality Overview

Cautious & Analytical

Value Seeker

Price-Sensitive

While they don't hesitate to ask questions, they are generally risk-averse and tend to be late adopters.  They are more likely than others to negotiate on pricing and terms. They generally do not appreciate an overfriendly approach and prefer to stay to-the-point.

Topics They Care About

Learning & Development
With over two decades of proven expertise in this area, she holds certifications like "Train the Trainer" and has led L&D functions at major banks and corporations.
Leadership Coaching
Her profile highlights expertise in leadership coaching, further supported by her completion of "The Art and Science of Coaching" course.
Digital & Retail Payments
She possesses deep expertise in digital wallets and retail payments, an experience established through her roles in leading banking and telecom companies, including NPCI.

Media Appearances

Sapna has no verified media appearances

Work History

11-2023 - 10-2025
Vice President - Learning & Development at AU SMALL FINANCE BANK
3-2023 - 11-2023
New alliances and Initiatives - Private Banking at Kotak Mahindra Bank
7-2019 - 3-2023
Head - Learning And Development at Kotak Mahindra Bank
7-2016 - 7-2019
Corporate Head - Learning and Development at Vodafone Idea Limited
9-2014 - 7-2016
Regional Manager - Learning & development at DCB Bank Ltd

Education

2011 - 2011
CAIIB from Indian Institute of Banking & Finance (IIBF)
2002 - 2004
MBA from PIMR

More Information

Social Presence :

Prographics :

Exp : 13 Location : Mumbai, Maharashtra, India Job Level : N/A Designation : Vice President - Learning & Development at AU SMALL FINANCE BANK
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Insights For Selling To Sapna

During A Call Or A Meeting

DO's

  • Keep some extra margin in hand as they will likely negotiate the pricing
  • Back up any claims with data and numbers
  • Share as much information as possible regarding your product

DONT's

  • Don’t overhype the product/pitch, keep it measured
  • Don’t depend too much on anecdotal evidence, it reduces their confidence
  • Don’t try to be too friendly or informal with them

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Sapna is

  • Confidence that the product provides ROI, effective pricing and process adherence matter the most to them.

  • Will you ever get a clear answer from Sapna

  • It doesn’t come naturally to them but they can say no if they are not convinced.

Insights For Deal Planning

    How fast (or slow) will Sapna move?

  • They can move at a reasonable pace while making their decisions if they have the necessary information.

  • Can Sapna take some risk or not?

  • They can take some risk if they are confident that they have analyzed the circumstances well.


You And Sapna

Personality Compatibility


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