BINIT KUMAR BAIBHAV
Area Head (HDFC BANK)
Bihar
Summary
Dynamic and results-driven banking professional with over 8 years of expertise in sales, HNI client acquisition, and relationship management. Proven track record of maximizing profits, optimizing processes, and enhancing customer engagement. Currently leading corporate partnerships across Bihar and Jharkhand as Area Head at HDFC Bank. Exceptional communication and leadership skills, with a readiness to relocate and travel to drive business growth.
Overview
8
8
years of professional experience
Work History
Area Head – Alternate Banking Channel & Partnerships (ABCP)
HDFC
Patna, India
02.2022 - Current
- Managing the customers with CASA of ₹25 Cr and FD of ₹300 Cr (Govt and Retail).
- Manage business assets valued at approximately ₹30 Cr (PL, CV, HL, OD, AL), including property, equipment, and financial investments.
- Managing and expanding strategic corporate partnerships to grow alternate banking channels across Bihar and Jharkhand. Responsible for relationship management, business development, and ensuring seamless service delivery.
- Key Partnerships: CSC E-Governance, India Post Payment Bank, BLS International, FIA Global, Novopay.
- Revamped outdated operational procedures which positively impacted overall workflow efficiency within the area.
Priority Banking Relationship Manager
Axis Bank Ltd.
Patna, Bihar
02.2020 - 02.2022
- Managing the portfolio of 350 HNI customers, with an AUM of ₹90 Cr and CASA of ₹55 Cr.
- Manage business assets valued at approximately ₹12 crore.
- Providing financial planning and investment advice, sales targets spread across liabilities, retail assets, and business banking.
- Led client engagement initiatives, developed long-term customer relationships, and achieved branch-level targets through proactive relationship management.
- Fostered client loyalty through excellent service, and timely issue resolution.
- Built and maintained a strong portfolio of high-net-worth clients.
- Collaborated with product teams to deliver customized financial solutions.
- Increased branch sales performance through effective training and coaching of team members.
Branch Relationship Manager
Kotak Mahindra Bank Ltd.
Bangalore, Karnataka
11.2017 - 02.2020
- Managing the portfolio of 240 HNI customers, with an AUM of ₹70 Cr, and CASA of ₹51 Cr.
- Manage business assets valued at approximately ₹5 crore.
- Focused on HNI client acquisition, portfolio management, and cross-selling financial products to expand the bank’s retail base in a competitive metro market.
- Acquired new clients via cold calling, networking, and referrals.
- Increased sales of CASA accounts, insurance, and investment products.
Education
PGDRB -
Manipal University
Bangalore01.2017
B.Tech - undefined
Institute of Technology & Marine Engineering
Kolkata01.2015
Skills
- Customer Relationship Management
- HNI Client Acquisition & Retention
- Solution-Oriented Sales
- Strategic Partnerships
- Team Building & Leadership
- Cross Sell With Mapped Customer
- Branch operations
Timeline
Area Head – Alternate Banking Channel & Partnerships (ABCP)
HDFC
02.2022 - Current
Priority Banking Relationship Manager
Axis Bank Ltd.
02.2020 - 02.2022
Branch Relationship Manager
Kotak Mahindra Bank Ltd.
11.2017 - 02.2020
B.Tech - undefined
Institute of Technology & Marine Engineering
PGDRB -
Manipal University