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Defines & executes the Oil & Gas MSME sector strategy in alignment with the Retail Division and overall MSME ecosystem agenda. Drives growth by analyzing market trends, identifying opportunities, and ensuring strategic alignment across internal stakeholders and delivery channels. Oversees and develops the Oil & Gas MSME team, ensuring appropriate resourcing, capability building, and high performance in delivering sector objectives. Collaborates with product, digital, and marketing teams to design and refine competitive sector-specific financial solutions that meet evolving customer needs. Ensures strong risk management and compliance with all regulatory, prudential, and operational standards relevant to the Oil & Gas MSME portfolio. Monitors financial performance, customer satisfaction, and market share to ensure sustainable growth and continuous improvement within the sector.