Harshad Gadag
Mumbai, virar
Summary
Virtual banking relationship manager with 4.5 years of experience in retail and commercial banking, focusing on strategic customer management and compliance. Successfully drove a 20% increase in client retention and a 9% growth in liabilities across large corporate portfolios. Recognized for exceeding sales targets and Adept at cross-selling financial products while maintaining compliance and high customer satisfaction. Successfully improved customer satisfaction ratings and achieved business objectives through strategic planning and exceptional service.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Virtual Relationship Manager
IDFC First Bank Ltd.
THANE
11.2025 - Current
- Developed strong client relationships through consistent follow-up and personalized communication.
- Engaged customers to assess needs and recommend tailored banking products.
- Coordinated account opening processes to improve onboarding experiences for new clients.
- Managed client inquiries effectively, providing accurate information and resolving issues promptly.
- Collaborated with team members to exceed sales targets, enhancing customer satisfaction.
- Generated daily leads at or above quotas, nurturing relationships to drive sales.
- Created reports on daily, weekly, and monthly sales results for management review.
- Exceeded Q4 business goals by 183%.
Assistant Manager
HDFC Bank Ltd.
MUMBAI
01.2024 - 10.2025
- Conducted research to identify prospective clients and business development opportunities.
- Developed strategic partnerships, resulting in increased cross-selling of bank products.
- Managed portfolio of over 2,000 customers with a book value of 25 crore, exceeding annual sales targets by 170%.
- Guided clients through home loan applications and documentation processes.
- Educated potential homeowners on loan products and eligibility requirements.
- Resolved customer complaints to ensure satisfaction and retention.
- Utilized CRM software for precise tracking of customer interactions.
- Performed verification of employment status, income levels, and debt-to-income ratios for compliance.
Junior Officer, Sales
HDB Financial Services Ltd.
MUMBAI
12.2021 - 01.2024
- Cross-sold banking products, including credit cards, loans, and investments.
- Expanded customer base through implementation of new CASA opening process.
- Utilized persuasive sales techniques to upsell services and promote banking offers.
- Initiated strategies for account retention to ensure consistent revenue streams.
- Assisted customers with account management, loan applications, and financial decisions.
- Participated in training sessions to enhance product knowledge and sales skills.
- Processed loan applications with thorough document verification to ensure compliance.
- Maintained current knowledge of financial regulations and product offerings.
Education
Bachelor of Management Studies - Finance
University Of Mumbai
Mumbai06-2021
Higher Secondary Certificate - Commerce
Vidyavardhini's Annasaheb Vartak College
Mumbai06-2018
Secondary School Certificate -
St. Anthony's Higher School
Mumbai03-2016
Skills
- Relationship management
- Customer service and support
- Sales expertise
- Financial product knowledge
- Compliance verification
- Problem solving
- Wealth management
- CRM software proficiency
- Account management
- Insurance sales
- Effective communication
- Grievance resolution
- Multitasking
- Team collaboration
Languages
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Marathi
Native
Native
Certification
Insurance Regulatory and Development Authority.
Accomplishments
Top Performer Award, Q4 2025 - Exceeded annual revenue target by 170%.
Timeline
Virtual Relationship Manager
IDFC First Bank Ltd.
11.2025 - Current
Assistant Manager
HDFC Bank Ltd.
01.2024 - 10.2025
Junior Officer, Sales
HDB Financial Services Ltd.
12.2021 - 01.2024
Bachelor of Management Studies - Finance
University Of Mumbai
Higher Secondary Certificate - Commerce
Vidyavardhini's Annasaheb Vartak College
Secondary School Certificate -
St. Anthony's Higher School