BHAVESH DHOTE
Pune
Summary
Product Manager – Digital Banking & Financial Services
Results-driven banking professional with 9+ years of experience across retail banking, wealth management, NRI banking, and insurance partnerships. Proven track record in liability growth, AUM expansion, customer lifecycle management, and product penetration strategy. Strong expertise in analyzing customer behavior, identifying cross-sell opportunities, driving digital adoption, and collaborating with cross-functional teams to improve customer experience and revenue outcomes. Seeking to transition into a full-time Product Management role within Digital Banking or Fintech.
Overview
9
9
years of professional experience
Work History
Insignia Relationship Manager
RBL Bank Ltd
07.2025 - Current
- Increased AUM through structured portfolio reviews and thorough financial health assessments.
- Collaborated with product and wealth teams to create tailored financial solutions.
- Managed premium banking portfolio, enhancing liabilities, investments, and retail assets.
- Ensure compliance and improve documentation quality.
Imperia Relationship Manager
HDFC Bank
05.2024 - 06.2025
- Managed HNI portfolio, leveraging cross-sell strategies to drive revenue growth.
- Discovered new business opportunities within premium segment, expanding client base.
- Enhanced client retention through proactive engagement and comprehensive portfolio reviews.
Banking Partner NRI Business
IndusInd Bank
09.2022 - 04.2024
- Managed Managed NRI liability portfolio through asset allocation and risk management, driving balance growth.
- Enhanced customer profitability by expanding share of wallet through targeted product offerings.
- Promoted digital remittance, forex, loans, and insurance products to enhance customer engagement.
Branch Relationship Manager
IDFC First Bank
09.2021 - 09.2022
- Acquired and managed HNI clients, enhancing liability portfolio.
- Developed and executed outbound and inbound acquisition strategies, increasing client engagement.
Key Relationship Manager
ICICI Prudential Life Insurance
01.2017 - 08.2021
- Generated 15% revenue growth by implementing segmentation and need-based selling.
- Partnered with banking channels to enhance insurance sales strategies.
Education
PGDM - Marketing
Indira School of Business Studies
PuneBachelor of Engineering - Electronics & Communication
Jai Narain College of Technology
BhopalSkills
- Retail & Digital Banking Products
- Customer Journey Mapping
- Lifecycle Management
- Portfolio Analytics
- Revenue Growth Strategy
- Product Penetration
- Wallet Share Expansion
- Go-to-Market Execution
- Client Segmentation
- Cross-Functional Collaboration
- Regulatory Compliance
- Risk Awareness
- Microsoft Excel - Advanced Reporting
- Performance Tracking
Key Impact Highlights
- Drove consistent liability and AUM growth across premium and NRI banking portfolios.
- Improved wallet share through structured portfolio reviews and targeted cross-selling.
- Enhanced customer engagement through 360 relationship ownership model.
- Contributed to revenue growth through need-based financial product positioning.
Languages
English
First Language
Hindi
Proficient
C2
Marathi
Intermediate
B1
Timeline
Insignia Relationship Manager
RBL Bank Ltd
07.2025 - Current
Imperia Relationship Manager
HDFC Bank
05.2024 - 06.2025
Banking Partner NRI Business
IndusInd Bank
09.2022 - 04.2024
Branch Relationship Manager
IDFC First Bank
09.2021 - 09.2022
Key Relationship Manager
ICICI Prudential Life Insurance
01.2017 - 08.2021
PGDM - Marketing
Indira School of Business Studies
Bachelor of Engineering - Electronics & Communication
Jai Narain College of Technology