Bharat Kurdia

Young, energetic, and result-oriented professional with 13 years of experience in sales and a proven track record. Confident and poised in interactions with individuals at all levels. Proven ability to gather, collaborate, and use data effectively. Enthusiastic and able to influence people.

Insightful Manager with experience directing and improving operations through effective employee motivational strategies and strong policy enforcement. Proficient in best practices, market trends and regulatory requirements of banking operations. Talented leader with analytical approach to business planning and day-to-day problem-solving.

• Awarded Medal of Honor, 07/2020, YES Bank Ltd
• Awarded for Best RC updating, HDFC Bank Ltd
• Qualified for an international trip to Tashkent for achievements in fixed deposits, IndusInd Bank Ltd

• Handling 13 branches with NTB portfolio of 8 Cr and ETB (Existing to Bank) portfolio of more than 70 cr.
• Managing relationships and ensuring customer satisfaction within the cluster.
• Developing and implementing strategies to achieve sales targets and enhance portfolio quality.
• Coordinating with branch managers and other stakeholders to drive business growth and operational excellence.
• Acquisition of new SEPL (Self-employed & Professional customers) loans and third-party products by managing 4 Territory Managers across Rajasthan.
• Strategized acquisition of high-value loans, ensuring quality portfolios by minimizing delinquency.
• Grew AUM base for business loan lending solutions, ensuring revenue, cost, profitability, and quality targets were met.
• Developed and continuously upgraded innovative sales channels and techniques to maximize productivity.
• Acquired new customers for liability Current accounts and third-party products by managing sales unit of 12 FOS for Punjabi Bagh Cluster.
• Boosted sales management outcomes by strategizing acquisition of high-variant accounts, TFX accounts, and managing relationships with HNI clients. Implemented effective marketing strategy to increase revenue & ATS of Current accounts. Led team to deliver CMS and payments solutions(MSME), resulting in improved client satisfaction and loyalty.
• Cross-sold all retail asset products (Business Banking) and third-party products CMS & payments solutions.
• Secured POS-led current accounts, amplifying market share and driving productivity growth for the business.
• Managed a team of 8-10 sales officers across Haryana & Punjab.
• Acquired cross-sales for credit protect, general motor insurance, Kissan Gold Card, home loans, auto loans, and CASA.
• Responsible for tractor loan business from dealerships and HDFC Bank branches through the team of sales officers.
• Maintained excellent relationships with dealers and manufacturers for business.
• Supervised a team of 10 feet-on-street sales officers, resulting in an increase in new customer acquisition, expanding the branch's client base.
• Led a team to acquire new CASA & high value current accounts by implementing a targeted marketing strategy, resulting in an increased customer base and higher deposits.
• Cross-sold home loans, gold loans, CV, CC & OD limits, PL, life insurance, and general insurance.
• Acquired HNI business through sourcing Current accounts in select & exclusive programs.
• Acquired NTB business ( current account, saving account & government business).
• Maximized sales opportunities through engagement programs and activities with customers.
• Liaised with major customers on technical points of contact.