Ashish Sharma
Kolkata
Summary
Banking professional with a strong record at HDFC Bank, achieving 135% year-over-year growth across various portfolios. Specializes in credit risk analysis and client relationship management, enhancing operational efficiency and spearheading digital transformation initiatives. Acknowledged for leadership in team development and strategic planning, consistently providing customized financial solutions. Results-driven professional with a strong background in strategic planning and risk mitigation. Expertise in enhancing operational processes and compliance, ready to leverage skills to support business growth and improve customer satisfaction.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Cluster Head - Senior Manager
HDFC Bank
05.2022 - 12.2025
- Achieved 135-150% year-over-year performance across MSME, corporate, and agriculture portfolios.
- Built high-revenue portfolio through strategic market analysis and client engagement.
- Led team to implement customer engagement strategies across multiple branches.
- Coordinated cross-functional teams to streamline banking processes and enhance workflow efficiency.
- Managed operational budgets and resource allocation for optimal efficiency.
- Developed training programs to elevate staff performance and customer service skills.
- Oversaw compliance with regulatory requirements to maintain operational integrity.
- Drove digital transformation initiatives to improve efficiency and client retention.
Relationship Manager - Manager
Axis Bank
09.2021 - 04.2022
- Managed MSME & micro-enterprise portfolios.
- Strengthened risk assessment and digital adoption.
- Managed client relationships to enhance customer satisfaction and loyalty.
- Facilitated onboarding of new clients to streamline account setup processes.
Relationship Manager - Manager
HDFC Bank
01.2017 - 09.2021
- Expanded SME and mid-corporate loan book fourfold, surpassing growth expectations.
- Achieved 110-125% of performance targets with a retention rate of 90%.
- Awarded Best Relationship Manager three times for outstanding service.
- Managed credit appraisal processes and ensured compliance with industry standards.
- Designed tailored financial solutions addressing client-specific needs and preferences.
- Collaborated with cross-functional teams to resolve client issues swiftly.
- Prepared detailed reports on client interactions to refine service delivery methods.
- Formulated strategies to attract new customers and retain existing ones.
Sales Officer
ICICI Bank
06.2015 - 12.2016
- Achieved 130% target with strong WC conversions.
- Awarded Star Performer.
- Delivered product presentations to clients, showcasing features and benefits effectively.
Education
Bachelor of Arts - English
Calcutta University
Kolkata07-2014
12th -
West Bengal
Kolkata01.2010
10th -
West Bengal
Kolkata06-2008
Skills
- Commercial, business, and rural banking
- Corporate lending and MSME financing
- Portfolio management
- Credit risk assessment and analysis
- Working capital optimization and management
- Client relationship management and business development
- Digital banking transformation and FinTech solutions
- Operational efficiency enhancement and process improvement
- Team leadership, talent development, and performance management
- Risk mitigation, regulatory compliance, and governance
- Strategic planning, execution, and business growth initiatives
- Advanced proficiency in SQL for data querying and analysis
- Expertise in Tableau for data visualization and dashboard development
- Working knowledge of SAP systems and modules
- Applications of artificial intelligence in banking and financial services
Certification
IIM Calcutta LDP Advanced Programme in FinTech & Financial Blockchain
Projects
Digital Rupee (CBDC) - Open Source Prototype for Financial Inclusion
Hobbies and Interests
- Sports
- Movies
- Group Discussions
- Generative AI
- Prompt Engineering
- Football
Languages
- English
- Hindi
- Bengali
Timeline
Cluster Head - Senior Manager
HDFC Bank
05.2022 - 12.2025
Relationship Manager - Manager
Axis Bank
09.2021 - 04.2022
Relationship Manager - Manager
HDFC Bank
01.2017 - 09.2021
Sales Officer
ICICI Bank
06.2015 - 12.2016
Bachelor of Arts - English
Calcutta University
12th -
West Bengal
10th -
West Bengal