Harsh Vardhan Dwivedi
Mumbai
Summary
Accomplished marketing and sales professional with 15+ years' experience in business development, channel management, and client engagement within banking and finance. Proven ability to deliver results, build strong teams, and manage substantial portfolios. Experienced in digital channels, market strategies, and customer retention to drive organizational growth Resourceful vice president with several years of results-oriented experience in business intelligence and operations management. Culturally-sensitive and ethical professional with demonstrated success in developing and implementing optimized solutions. Versatile leader recognized for driving results in collaborative, a collaborative, inclusive manner.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Deputy Vice President (Area Head-Mumbai) - Loan Against Securities & Education Loan
HDFC bank
Mumbai
06.2023 - Current
- Managed loan book of 2900 cr for Loan Against Securities and 240 cr for Education Loan, ensuring optimal portfolio performance.
- Developed alternative retail business channels through virtual banking, increasing market reach and customer engagement.
- Enhanced relationships with HSL business, contributing to retail channel growth and business development.
- Monitored service performance and addressed customer complaints to enhance client satisfaction.
- Collaborated with a team of 40 members, supervising 16 direct reports to maintain high employee retention.
Assistant Vice President (Area Head-Mumbai) - Loan Against Securities & Education Loan
HDFC bank
Mumbai
02.2020 - 06.2023
- Achieved Pan India highest ranking in terms of disbursement, i.e 1350 cr.
- Achieved highest utilization rate of 64% Pan India through strategic resource allocation.
- Achieved highest customer retention rate Pan India by delivering exceptional service quality.
- Achieved highest branch by branch target achievement with highest branch resources contribution Pan India.
- Achieved highest cross sell achievements in terms of CASA, FD and Insurance.
- Developed alternative virtual channel and collaborated with private banking group to enhance service offerings for retail and HNI clients.
- Developed an open market sourcing channel which gave us highest nos of LAS BT cases of approx. 244 cr.
- Managing book size of 2000 cr of Loan Against Securities and 150 cr of Education loan
Area Sales Head - Retail
Home First Finance Ltd
06.2018 - 02.2020
- Developed open market, increasing business penetration in Southern Gujarat and Mumbai.
- Executed marketing activities to build direct channel base, achieving 78% conversion.
- Managed 250+ connectors for the region, with 0% delinquency in 1 yr portfolio.
- Established base of connectors and created channel for sourcing alternative business modules, including HL and LAP.
- Worked on projects for tie ups with home furnishing and solar panels with HL.
Area Sales Manager - Commercial Vehicle Finance
Tata Motors Finance Ltd.
Allahabad
04.2016 - 06.2018
- Increased 250% business in the area and attained Pan India top position for 2 consecutive years.
- Highest and overachieving targets against the given targets (2016-2017) and setting a new benchmark by tapping Fleet owners and business houses i.e. cement suppliers/production houses/transportation.
- Increased sales and finance in Allahabad and Faizabad area (11 districts) for MHCV and ICV segment.
- Acquired 80% new clients in portfolio within UP1.
- Maintained delinquency rate at 1.7% for cases processed over two years.
- Received recognition for best performance in disbursement for the financial year 17-18.
Branch Manager
Tata Motor Finance
09.2015 - 03.2016
- Achieved highest number of disbursements in direct cases for heavy commercial vehicles and passenger cars.
- Achieved 0% delinquency in last 6 months' cases.
- 35% Increase in Direct Case of Heavy Commercial Vehicles.
- 30% Increase in Refinance Cases.
- Led reversal of non-performing assets in UP1 region, contributing to improved portfolio health.
- Increased market penetration by appointing channel and direct partners, enhancing business reach.
Branch Manager
Mahindra & Mahindra Financial Services Limited
02.2013 - 09.2015
- Achieved 0% delinquency while driving growth in Direct Marketing business.
- Recognized by national head for maintaining lowest delinquency rates for 2 consecutive years across assigned branches.
- Earned multiple awards for outstanding performance in collections and sales.
- Led branch operations in multiple upcountry locations in Uttar Pradesh and Jharkhand.
- Worked and excelled in both Mahindra and Non-Mahindra products.
Assistant Manager - Operations
Mahindra & Mahindra Financial Services Limited
07.2011 - 01.2013
- Secured second highest financing of non-Mahindra tractors (96 units) from Oct'12 to Dec'13.
- Developed non-Mahindra products across 7 cities in Allahabad region.
- Targeted low-income clients in underserved areas to improve access to products.
Joint Secretary
TEAM BEAM
Lucknow
01.2008 - 01.2010
- Oversaw activities of Team Beam to ensure alignment with project goals.
- Contributed innovative ideas and solutions to enhance team performance and outcomes.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
- Facilitated social initiatives at a non-profit organization to enhance community engagement.
- Completed day-to-day duties accurately and efficiently.
Education
Master's PGDM - Finance and Marketing
Jaipuria Institute of Management
01-2011
Bachelor's - Business Administration
Lucknow University
Lucknow01-2009
Skills
- Client acquisition strategies
- Loan portfolio management
- Retail banking solutions
- High-net-worth client services
- Cross-selling and growth
- Sales leadership
- Business development and channels
- Data analysis and research
- Revenue Generation
- Team leadership and retention
- Relationship management
- Loan underwriting
Training
- Military Training: Learning- Team Work, Adaptation, Positive Attitude, Discipline, Disaster Management
- Presentation and Impact training by Dale Carnegie, Mumbai.
- Sell and Sell training conducted at IIM Lucknow.
Projects
- Summer Internship Program, Castrol India Private Limited, 2 months, Analyzing the Distribution Strength and Developing the Marketing Strategy
- New product development and Strategies, Mahindra & Mahindra Financial Services Ltd., Small ticket size funding for rural customers and Agriculture and Irrigation equipment financing
- Summer Internship Program, Bharat Sanchar Nigam Limited (Lucknow), 2 months, Impact of Advertisements and Developing Marketing strategies
- Think Tank, Prepared a comprehensive strategy on the topic 'How to reach 2.5 million customer base' which would be implemented Pan India, organized by Mahindra finance.
- PROJECT SAMPARK, Completed a project as team member, which was launched Pan India in Mahindra Finance.
Personal Information
Date of Birth: 10/04/88
Languages
English
Upper Intermediate (B2)
B2
Hindi
Upper Intermediate (B2)
B2
Certification
- Dale Carnegie Certification - Presentation and Impact Training
- IIM Lucknow - Sales and Selling Skills
- NCC A Certificate
- Harvard Management Program - Mahindra Financial Services Ltd
Timeline
Deputy Vice President (Area Head-Mumbai) - Loan Against Securities & Education Loan
HDFC bank
06.2023 - Current
Assistant Vice President (Area Head-Mumbai) - Loan Against Securities & Education Loan
HDFC bank
02.2020 - 06.2023
Area Sales Head - Retail
Home First Finance Ltd
06.2018 - 02.2020
Area Sales Manager - Commercial Vehicle Finance
Tata Motors Finance Ltd.
04.2016 - 06.2018
Branch Manager
Tata Motor Finance
09.2015 - 03.2016
Branch Manager
Mahindra & Mahindra Financial Services Limited
02.2013 - 09.2015
Assistant Manager - Operations
Mahindra & Mahindra Financial Services Limited
07.2011 - 01.2013
Joint Secretary
TEAM BEAM
01.2008 - 01.2010
Master's PGDM - Finance and Marketing
Jaipuria Institute of Management
Bachelor's - Business Administration
Lucknow University