Avinash Srimaurya
Hyderabad
Summary
Results-driven banking professional with over 19 years of experience in sales, business development, and portfolio management in the retail lending sector. Adept at driving revenue growth, customer acquisition, and profitability through strategic sales initiatives and operational efficiency. Currently serving as Deputy Vice President & Regional Head – Gold Loans (AP & TS) at HDFC Bank, leading high-performing sales teams across 250+ branches and managing a business portfolio of ₹700+ Cr. Demonstrated expertise in cross-selling, team leadership, client relationship management, and new business acquisition.
Overview
19
19
years of professional experience
Work History
Deputy Vice President & Regional Head – Gold Loans (AP & TS)
HDFC Bank Ltd.
01.2022 - Current
- Leading a team of Area Managers, Sales Managers, and Sales Officers across Telangana & Andhra Pradesh
- Managing a ₹700 Cr+ gold loan portfolio and expanding market penetration across 250+ branches
- Consistently achieving sales and revenue targets, ensuring profitability through optimized IRR, fee income, and insurance penetration
- Driving cross-sell opportunities for CASA, insurance (Life, Health, General), and other asset products
- Expanding the gold loan business footprint by identifying high-potential locations and launching new processing centers
- Awarded as Top-5 Pan India Scorecard performer consistently for exceptional business results
- Collaborated with senior management to develop strategic initiatives and long term goals.
- Developed innovative sales and marketing strategies to facilitate business expansion with 5-7%% YOY growth
- Demonstrated proficient leadership skills to motivate employees and build competent teams resulting in average attrition less than 15% since 2023
Area Head – Gold Loans (AP & TS)
HDFC Bank Ltd.
04.2015 - 12.2021
- Expanded business across multiple geographies, driving 10-12% YOY customer base growth
- Spearheaded the launch of 200+ Gold Loan processing centers, strengthening HDFC’s retail presence
- Led risk management initiatives ensuring a healthy asset quality and minimal NPA levels
- Drove high cross-sell revenue from CASA, insurance, and personal loan conversions
- Received multiple business excellence and leadership awards for outperforming regional targets
Sales Manager – Gold Loans
HDFC Bank Ltd.
01.2011 - 03.2015
- Achieved consistent growth in portfolio and fee-based revenue streams
- Developed sales & marketing strategies to penetrate rural and semi-urban markets
- Collaborated with risk and credit teams to maintain a high-quality loan book
Training Manager – Collections
HDFC Bank Ltd.
09.2008 - 12.2010
- Led Debt Recovery Agent (DRA) certification programs across South India, ensuring compliance with RBI/IBA norms
- Designed and implemented training modules for soft skills, collection strategies, and compliance
- Trained over 500+ collectors, enhancing operational efficiency and reducing delinquencies
Branch Sales Manager – Personal Loans
HDFC Bank Ltd.
08.2007 - 08.2008
- Managed a Direct Sales Team & Tele-calling unit for achieving personal loan targets
- Drove cross-sell revenue through auto loans, two-wheeler loans, and insurance
Management Trainee – Sales (PL)
HDFC Bank Ltd.
01.2006 - 08.2007
- Gained hands-on experience in customer acquisition, loan processing, and relationship management
Education
PGDBM - Marketing & HR
Xavier Vignana Jyothi Institute of Management
01.2006
B.Com -
Aurora’s Degree College, Osmania University
01.2004
Skills
- Sales & Revenue Growth
- Retail Asset Sales & Portfolio Management
- New Business Development & Market Penetration
- Team Leadership & Performance Management
- Cross-Selling & Fee-Based Revenue Generation
- Regulatory & Compliance Management
- Leadership & Team Management
- Strategic Planning & Execution
- Analytical & Problem-Solving
- Negotiation & Stakeholder Management
- Adaptability & Decision-Making
Professional Highlights
- Achieved consistent YOY portfolio growth of 4-5% in Gold Loans and 10-12% customer base expansion.
- Successfully launched 250+ Gold Loan processing centers, strengthening market dominance in APTS.
- Maintained industry-leading profitability metrics by optimizing IRR, fee income, and loan quality.
- Recognized as a Top-5 Pan India performer for outstanding business contribution.
- Awarded multiple HR & Business Recognition awards for exceptional leadership and performance.
- Drove cross-selling success, significantly increasing revenue from CASA, insurance, and X-sell products.
- Mentored and promoted multiple team members into leadership roles.
Personal Information
- Date of Birth: 11/11/83
- Marital Status: Married
Languages
- English
- Hindi
- Telugu
Timeline
Deputy Vice President & Regional Head – Gold Loans (AP & TS)
HDFC Bank Ltd.
01.2022 - Current
Area Head – Gold Loans (AP & TS)
HDFC Bank Ltd.
04.2015 - 12.2021
Sales Manager – Gold Loans
HDFC Bank Ltd.
01.2011 - 03.2015
Training Manager – Collections
HDFC Bank Ltd.
09.2008 - 12.2010
Branch Sales Manager – Personal Loans
HDFC Bank Ltd.
08.2007 - 08.2008
Management Trainee – Sales (PL)
HDFC Bank Ltd.
01.2006 - 08.2007
PGDBM - Marketing & HR
Xavier Vignana Jyothi Institute of Management
B.Com -
Aurora’s Degree College, Osmania University
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