BHARAT RAVAL

Productive Cluster Manager with over 20 years of experience. Lengthy financial track record with expertise in sales and budgeting. Implements quality recruiting and training practices by creating inviting work environments and supportive teams. Management and Leadership roles with specialization in Sales and Distribution (having led 60 staff team), Business Development, New Business & Market set-ups, Process Re-Engineering, People Development, Customer Service, Operations & Compliance Control and Coaching/Mentoring across business functions in diversified markets like Semi- Urban and Urban competitive markets across Mumbai and ensured results. Worked with top names in Financial Services namely, HDFC BANK LTD, KOTAK MAHINDRA BANK LTD,ICICI BANK LTD & JANA SMALL FINANCE BANK LTD. Have intense experience across business groups and customer segments including Branch Banking, Micro Finance, Wealth Management, SME Banking, and Third Party Products, thereby having a strong understanding of varied customer segments and cultures which helped leverage synergies across businesses, adapt well to cultural challenges and facilitate enhanced customer experience.

• Sales Workshop - Redwood Edge

• Sales Workshop - Redwood Edge
• Service Excellence - HDFC Bank Ltd
• Presentation Skills - Redwood Edge
• Business Appreciation - HDFC Bank Ltd
• Asset Allocation & Systematic Investing - Franklin Templeton

HDFC Bank Ltd.

Nov 2004

Qualified for UK-London contest for 4 Nights and 5 Days for achieving Quarter TPP Revenue and CASA Targets for Quarter 2.

Kotak Mahindra Bank Ltd.

May 2007

Disbursed LAP of 125 Crs.-Retail Branch- Contest won to Thailand for 3 Nights and 4 Days for Quarter- 3 (OND) 2006.

ICICI Bank Ltd.

Oct 2013

RBH Convention at Goa with one family member for 2 Nights 3 Days for achieving incremental 10Crs CASA in a Quarter 2 - JAS and Insurance Premium of 25 Lacs with a revenue of 6 Lacs.