Open To Work
Verified
This profile is verified using an email address.
BHARAT BHUSHAN KARDAM
Jaipur
Summary
Dynamic banking professional with extensive experience at HDFC BANK Ltd., excelling in wealth advisory and revenue optimization. Proven track record in driving portfolio growth and enhancing operational efficiency. Strong interpersonal skills and expertise in financial analysis have consistently led to exceeding targets and delivering superior client experiences.
Overview
19
19
years of professional experience
Work History
Branch Manager
HDFC BANK Ltd.
Jaipur
04.2022 - Current
- Oversaw branch operations in wealth and private banking, driving portfolio growth for high-net-worth individuals and business clients.
- Managed diverse loan products, including home and personal loans tailored to customer profiles.
- Drove revenue optimization through CASA growth and strategic investments, consistently surpassing targets.
- Developed personalized wealth advisory solutions focused on long-term asset protection and growth.
- Built and mentored a high-performing relationship management team to enhance customer experience and achieve growth objectives.
- Implemented technology-driven operational excellence initiatives to streamline processes and improve service delivery.
- Ensured regulatory compliance while establishing comprehensive risk management frameworks across branch operations.
- Utilized various funding products to effectively support diverse client needs.
Acquisition Processing Manager (Salary Segment)
IDFC BANK Ltd.
01.2021 - 11.2021
- Led APO (Auto Processing Operations) team across 4 locations, managing loan processing workflow for retail and corporate segments.
- Analyzed credit data and produced detailed financial reports to improve credit quality and risk management.
- Developed training programs to enhance team competency and ensure regulatory compliance.
Relationship Manager (TASC & GBG)
ICICI BANK Ltd.
Punjab
01.2019 - 10.2021
- Managed CASA portfolio of 8 branches with focus on government and military clientele, building strategic relationships to enhance loan procurement.
- Delivered customized digital and banking solutions to corporate clients, driving cross-sell of investment and credit products.
Branch Manager (Branch Banking)
ICICI BANK Ltd.
01.2017 - 01.2019
- Managed branch team of 15 professionals covering compliance and business across CASA, credit, insurance, and investment products.
- Drove branch revenue through diversified product portfolio, including home loans, business loans, mutual funds, and credit cards.
- Resolved customer issues proactively, maintaining high satisfaction levels and reducing complaint escalations.
- Drive revenue optimization across CASA growth, investment products (FD, MF, AIF, Market securities), Life and non-life Insurance, and Specialist products, exceeding targets consistent Offering.
- Fund and Non Fund base product (LAP, Secured and Unsecured Funding through Various product Offering.
- Develop and implement personalized wealth advisory solutions tailored to client needs, focusing on long-term wealth creation and asset protection through various product liability and assets product like LAP, HL, PL/BL, LAS, Cash Credit.
Privilege Banking Relationship Manager
ICICI BANK Ltd.
01.2012 - 01.2017
- RM team and ensuring portfolio growth of HNI,UHNI and Business Banking clientele.
- Also dealing with Loan Against Property, Home Loan, Secured and Unsecured Working Capital, Business Loan, Personal Loan as per customer Profile Matches with Product requirement.
- Drive revenue optimization across CASA growth, investment products (FD, MF, AIF, Market securities), Life and non-life Insurance, and Specialist products, exceeding targets consistent Offering.
- Fund and Non Fund base product (LAP, Secured and Unsecured Funding through Various product Offering.
- Develop and implement personalized wealth advisory solutions tailored to client needs, focusing on long-term wealth creation and asset protection through various product liability and assets product like LAP, HL, PL/BL, LAS, CC, WBC.
- Build and mentor high-performing relationship management team to deliver superior customer experience and achieve growth targets.
- Implement operational excellence initiatives using transformation technology to streamline processes and enhance service delivery like Net Banking, Mobile App, Smart Wealth app and QR Code for payment and receivables.
- Maintain regulatory compliance and implement risk management frameworks across branch operations.
Associate Sales Manager
Birls Sun Life Insurance Company Ltd.
Jaipur
06.2007 - 07.2010
- Managed insurance sales through private banking channel in Rajasthan, building brand presence with Citi Bank and other financial institutions.
- Handled customer service, policy renewals, and portfolio management to ensure high client retention.
- Developed strategic sales plans to increase market awareness and client loyalty in insurance products.
Unit Manager
ICICI Prudential Life Insurance Company Ltd.
Jaipur
04.2007 - 04.2008
- Advocated for company values and strengthened client service while directing business operations through tide channel.
Education
MBA - Finance & Marketing
ICFAI University
Hyderabad01-2007
Bachelor of Commerce -
Rajasthan University
01-2002
Skills
- Wealth advisory and investment analysis
- Financial and credit analysis
- Portfolio and risk management
- Revenue optimization strategies
- Banking operations
- Business development and sales strategy
- Market analysis and insights
- Client relationship management
- Team leadership and staff development
- Training and technology implementation
- Operational efficiency and planning
- Loan management
- Talent acquisition and staffing optimization
- Interpersonal communication skills
- Work prioritization and productivity
Accomplishments
- Consistently exceeded branch performance targets for revenue, client acquisition, and retention across multiple banking cycles.
- Built and managed high-performing teams resulting in improved operational efficiency and enhanced customer satisfaction.
- Developed strategic initiatives that optimized branch revenue and reduced operational costs through technology implementation.
- Maintained 100% regulatory compliance across all banking operations with zero critical audit observations.
Disclaimer
I hereby declare that all the above furnished details are true to the best of my knowledge and belief.
Languages
- English (Fluent)
- Hindi (Native)
Specialized Certifications
- AI online certification (Artificial Intelligent) through Skill india and Govt of India
- Security Market Analysis
- Financial Data Analysis & Planning
- Insurance Advisor Module (IRDA)
- Mutual Funds Advisor Certification (AMFI)
Timeline
Branch Manager
HDFC BANK Ltd.
04.2022 - Current
Acquisition Processing Manager (Salary Segment)
IDFC BANK Ltd.
01.2021 - 11.2021
Relationship Manager (TASC & GBG)
ICICI BANK Ltd.
01.2019 - 10.2021
Branch Manager (Branch Banking)
ICICI BANK Ltd.
01.2017 - 01.2019
Privilege Banking Relationship Manager
ICICI BANK Ltd.
01.2012 - 01.2017
Associate Sales Manager
Birls Sun Life Insurance Company Ltd.
06.2007 - 07.2010
Unit Manager
ICICI Prudential Life Insurance Company Ltd.
04.2007 - 04.2008
MBA - Finance & Marketing
ICFAI University
Bachelor of Commerce -
Rajasthan University
Work Preference
Job Search Status
Open to workDesired start date: Immediately