Gulshan Kumar
Ludhiana
Summary
Results-driven banking professional with over four years of experience in acquisition, relationship management, and sales of CASA, Current Accounts, and digital payment solutions. Proven success in new-to-bank (NTB) acquisition and cross-selling third-party products (TPP), consistently achieving profitability targets across leading private sector banks. Recognized for exceptional client relationship skills and a deep understanding of market dynamics, contributing to a consistent high-performance track record. Committed to leveraging expertise to drive growth and enhance customer satisfaction in the financial services sector.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Acquisition Manager (DM) – Current Account
IDFC FIRST Bank
Ludhiana
11.2024 - Current
- Managing acquisition of high-value NTB Current Accounts and Trade Accounts.
- Driving cross-sell of TPP to enhance account profitability.
- Handling relationship management for key clients and ensuring long-term retention.
- Meeting monthly acquisition and revenue targets through market sourcing.
- Facilitated the acquisition of insurance policies resulting in a cheque value of 10 lakh for fiscal year 2025-26.
- Executed targeted financial strategies resulting in 2 crore deposit increase in current account for FY 2025-26.
- Managed client relationships with 15 EXIM accounts, fostering collaboration and support for branch initiatives.
- Managed monthly distribution of one unit from BL/BBG to support operational needs.
Premier Acquisition Manager – DM
Kotak Mahindra Bank
Ludhiana
02.2024 - 10.2024
- Managed NTB CASA acquisition strategy, focusing on profitable outcomes.
- Identified customer needs and effectively cross-sold banking and third-party products to optimize client satisfaction and retention.
- Managed financial assets by establishing 2 crore in fixed deposits and ensuring 1 crore balance in account over a 6-month period.
- Demonstrated sustained high performance, earning recognition from ZSM and RSM for outstanding results.
Relationship Officer
IndusInd Bank
Ludhiana, Punjab
11.2022 - 02.2024
- Identified and engaged potential SME and merchant clients to expand current account portfolio.
- Executed installation and promotional strategies for digital payment devices, ensuring seamless integration into existing systems.
- Developed strategic alliances with merchants to boost transaction volumes and improve overall business performance.
- Achieved Employee of the Quarter (JFM 2023) distinction for exceptional performance in sourcing top talent.
Sales Executive
Me-Hin Tech-Edge Solutions (Yes Bank Ltd)
Ludhiana, India
03.2022 - 11.2022
- Evaluated and procured digital payment solutions, focusing on POS sound boxes, to support operational needs.
- Analyzed user behavior and optimized features to increase transaction volume on selected devices.
- Monitored sales performance and implemented strategies to consistently meet monthly and quarterly sales objectives.
- Conducted market research to source and assess third-party insurance products for competitive advantage.
Education
Bachelor of Arts - Economics (Hons)
Patliputra University
Patna12-2021
MBA - International Business And Finance
Lovely Professional University
Phagwara, India12-2027
Skills
- Proficient in acquiring new accounts
- Relationship building and maintenance
- Promoting third-party product offerings
- Digital Payment Solutions (POS/EDC, SoundBox, QR)
- Compliance verification and documentation analysis
Certification
SEBI – Investor Certification Examination
Languages
Hindi
English
Punjabi
Awards & Achievements
- IDFC First Bank: Highest Number of Current Account and Rewarded by ZSM in OCT-25
- Kotak Mahindra Bank: Multiple performance awards from ZSM & RSM
- IndusInd Bank: Employee of the Quarter – JFM 2023 (CA Sourcing)
Declaration
I hereby declare that the information furnished above is true and correct to the best of my knowledge and belief.
Timeline
Acquisition Manager (DM) – Current Account
IDFC FIRST Bank
11.2024 - Current
Premier Acquisition Manager – DM
Kotak Mahindra Bank
02.2024 - 10.2024
Relationship Officer
IndusInd Bank
11.2022 - 02.2024
Sales Executive
Me-Hin Tech-Edge Solutions (Yes Bank Ltd)
03.2022 - 11.2022
Bachelor of Arts - Economics (Hons)
Patliputra University
MBA - International Business And Finance
Lovely Professional University