Abhishek Dwarikavasi
Mumbai,Maharashtra
Summary
Reliable Manager demonstrating high level of ownership and initiative. Possessing exceptional work ethic and desire to go above and beyond to exceed company expectations. Offering knack for building productive working relationships. Successful in fast-paced, deadline-driven environments to manage goals and team development. History of thriving in team-oriented environments.
Overview
10
10
years of professional experience
Work History
Assistant Vice President
Yes Bank Ltd.
Mumbai
06.2026 - Current
- Managed a portfolio of 50+ clients with a total book size of 170+ Cr.
- Financial analysis to understand the liquidity position and repayment capacity, working capital requirement of the borrower.
- Handled all working capital products including OD/CC, BG, LC, and term loans.
- Exceeded revenue objectives by creating opportunities for revenue generation and achieving targets through maintaining quality business relationships.
- Facilitated a team approach to achieve organizational objectives, increase productivity, and develop employee morale.
- Co-Ordination With Risk And ops For Approvals And Disbursements.
- Ensure That The Limits Are Utilized And Timely Payments By the Customer.
- Regularized delinquent accounts and managed review and exit strategies for stressed accounts.
- Negotiated rates and terms with customers to align with business goals.
- Meeting And Ensuring End To End Process Of Loan On Basis Of Customer Profile and Eligibility.Sourcing Of Working Capital Files By Activating Sourcing Channels Like Branches.
- Sourced leads from potential and existing customers to grow the business.
- Conducted open market activity in industrial sectors to identify potential clients.
Manager
HDFC BANK LTD.
Mumbai
09.2024 - 05.2026
- Managed a portfolio of 45+clients with a total book size of 175+ Cr.
- Facilitating A Team Approach To Achieve Organizational Objectives,Increasing Productivity & Developing Employee Morale.
- Handled all working capital products such as OD, BG, LC, and term loans.
- Financial analysis to understand the liquidity position and repayment capacity, working capital requirement of the borrower.
- Facilitated team collaboration to achieve organizational objectives, increasing productivity and enhancing employee morale.
- Ensure That The Limits Are Utilized And Timely Payments By the Customer.
- Customer Negotiation On Rates And Other Terms.
- Co-Ordination With Risk And ops For Approvals And Disbursements.
- Contact SME Customers On Recorded Lines Understanding Service Issues, Addressing Their Requirements, Taking NTB References.
- Negotiated customer rates and terms to optimize client satisfaction and secure profitable agreements.
- Utilized various systems to enhance customer service and maintain records.
- Handling south mumbai branches I.e. Charni Road , Mumbai Cantral and dadar branches.
- Sourced leads from potential and existing customers to grow the business.
- Engaged with potential clients in the open market to promote services.
Territory Business Manager
Kotak Mahindra bank ltd
Mumbai
06.2021 - 09.2024
- Financial Analysis To Understand The Liquidity Position And Repayment Capacity, Working Capital Requirement Of The Borrower Etc.
- Managed a diverse portfolio of over 40 clients, ensuring effective financial oversight and client satisfaction.
- Supervised operations and staff at all branches located in Dadar, ensuring efficient branch performance.
- Handled all working capital products such as OD, CC, BG, LC, and term loans.
- Identified revenue generation opportunities and achieved targets while maintaining strong business relationships.
- Facilitating A Team Approach To Achieve Organizational Objectives,Increasing Productivity & Developing Employee Morale.
- Engaged with SME customers to understand service issues, address requirements, and gather NTB references.
- Co-Ordination With Risk And Crops For Approvals And Disbursements.
- Ensure That The Limits Are Utilized And Timely Payments By The Customer.
- Regularized delinquent accounts and managed review and exit strategies for stressed accounts.
- Customer Negotiation On Rates And Other Terms.
- Managed and operated various financial systems, including Kraman, Finacle, and CLO, to streamline processes.
- Customer Profile and Eligibility.Sourcing Of Working Capital Files By Activating Sourcing Channels Like Branches, Direct Sales.To Work On Leads And Source Form Potential / Existing Customers In Order To Grow The Business To Achieve Assigned Sales Objectives.
- Engaged in active outreach and networking within the industrial open market to generate business opportunities.
Acquisition Manager
AU small finance bank ltd
Mumbai
02.2019 - 10.2019
- Handled a portfolio of 50+ clients with a book size of 200+ Cr and handling Malad branch.
- Responsible For Handling All Working Capital Products Like OD , CC, BG, LC And Term Loan Etc.
- Facilitating A Team Approach To Achieve Organizational Objectives,Increasing Productivity & Developing Employee Morale.
- Contact SME Customers On Recorded Lines Understanding Service Issues, Addressing Their Requirements, Taking NTB References.
- Co-Ordination With Risk And ops For Approvals And Disbursements.
- Ensure That The Limits Are Utilized And Timely Payments By the Customer.
- Ensure Regularization Of Delinquent Accounts, Review And Exit Of Stressed Accounts.
- Customer Negotiation On Rates And term and conditions.
- Meeting And Ensuring End To End Process Of Loan On Basis Of Customer Profile and Eligibility.Sourcing Of Working Capital Files By Activating Sourcing Channels Like Branches.
- To Work On Leads And Source Form Potential / Existing Customers In Order To Grow The Business To Achieve Assigned Sales Objectives.
- Doing Industrial Open Market Activity.
Relationship Manager
IDFC first bank ltd
Mumbai
09.2018 - 01.2019
- Financial Analysis To Understand The Liquidity Position And Repayment Capacity, Working Capital Requirement Of The Borrower Etc.
- Responsible For Handling All Working Capital Products Like Od, BG, LC And Term Loan Etc.
- Exceeding Revenue Objectives While Continuously Creating Opportunities For Revenue Generation In A Professional Manner And Achieving Assigned Targets By Maintaining Quality Business Relationship.
- Facilitating A Team Approach To Achieve Organizational Objectives,Increasing Productivity & Developing Employee Morale.
- Contact SME Customers On Recorded Lines Understanding Service Issues, Addressing Their Requirements, Taking NTB References.
- Co-Ordination With Risk And ops For Approvals And Disbursements.
- Ensure That The Limits Are Utilized And Timely Payments By the Customer.
- Ensure Regularization Of Delinquent Accounts, Review And Exit Of Stressed Accounts.
- Customer Negotiation On Rates And term and conditions.
- Meeting And Ensuring End To End Process Of Loan On Basis Of Customer Profile and Eligibility.Sourcing Of Working Capital Files By Activating Sourcing Channels Like Branches.
- To Work On Leads And Source Form Potential / Existing Customers In Order To Grow The Business To Achieve Assigned Sales Objectives.
- Doing Industrial Open Market Activity.
Relationship Officer
Axis securities ltd
Mumbai
10.2016 - 08.2018
- Worked as an Acquisition Relation officer at Axis security ltd ( subsidiary of Axis Bank ltd ) responsible for sourcing and onboarding new customer from entire Maharashtra.
- Responsible For Handling unsecured business loan and all working capital Products Like Od, BG, LC And Term Loan Etc.
- Handled Borivali main branch.
- Co-Ordination With Risk And ops For Approvals And Disbursements.
- Ensure That The Limits Are Utilized And Timely Payments By the Customer.
- Customer Negotiation On Rates And term and conditions.
- Meeting And Ensuring End To End Process Of Loan On Basis Of Customer Profile and Eligibility.Sourcing Of Working Capital Files By Activating Sourcing Channels Like Branches.
- To Work On Leads And Source Form Potential / Existing Customers In Order To Grow The Business To Achieve Assigned Sales Objectives.
- Doing Industrial Open Market Activity.
Education
MBA - Marketing Management
DR DY PATIL VIDYAPEETH
PuneBBA - Marketing Management
Chhatrapati Shahu Ji Maharaj University ( UNITED )
PRAYAGRAJ 12th - Science
Bal Shiksha Niketan Inter Collage
PRAYAGRAJ 10th - Science
Swami Vivekanand Vidyashram
PRAYAGRAJ Skills
- Sales management
- Marketing
- Acquisition
Languages
- English
- Hindi
Accomplishments
- TOP GUN AWARD
- BEST performance in insurance
- PAN INDIA NO 1 in insurance
Timeline
Assistant Vice President
Yes Bank Ltd.
06.2026 - Current
Manager
HDFC BANK LTD.
09.2024 - 05.2026
Territory Business Manager
Kotak Mahindra bank ltd
06.2021 - 09.2024
Acquisition Manager
AU small finance bank ltd
02.2019 - 10.2019
Relationship Manager
IDFC first bank ltd
09.2018 - 01.2019
Relationship Officer
Axis securities ltd
10.2016 - 08.2018
MBA - Marketing Management
DR DY PATIL VIDYAPEETH
BBA - Marketing Management
Chhatrapati Shahu Ji Maharaj University ( UNITED )
12th - Science
Bal Shiksha Niketan Inter Collage
10th - Science
Swami Vivekanand Vidyashram