Hemant Kumar
Relationship Manager – Infra & Working Capital Lending | ₹1,000 Cr+ Portfolio | HDFC Bank | 4+ Years in Corporate Banking & Credit Sales
Summary
Seasoned Relationship Manager with 4+ years of experience in Corporate and SME Lending. Currently managing a ₹1,000 Cr+ infrastructure portfolio at HDFC Bank, with prior experience in working capital finance and commercial vehicle lending. Skilled in credit underwriting, legal documentation, client acquisition, and cross-selling. Strong understanding of financial products across asset and liability segments. Open to challenging roles in banking, NBFCs, or fintechs to drive growth and deepen client relationships.
Overview
4
4
years of professional experience
2
2
Languages
Work History
Relationship Manager – Infra Finance Group
HDFC Bank
09.2024 - Current
- Manage and grow a ₹1,200 Cr+ portfolio across infrastructure sectors (Roads, Railways, Solar, Waterways).
- Closed ₹600+ Cr in new sanctions and onboarded 10+ high-value clients in FY24.
- Facilitated ECB and Buyer's Credit deals worth $30M+, reducing clients' funding costs.
- Originated mandates for HAM projects and worked closely with the Investment Banking team.
- Contributed ₹8+ Cr in fee income through syndications, FX, and trade products.
- Maintained 100% compliance on renewals, reviews, and credit covenants.
Relationship Officer | SME & Working Capital Group
Axis Bank
11.2022 - 09.2024
- Sourced and processed over ₹75 Cr+ in working capital proposals across sectors like trading, manufacturing, and services.
- Successfully maintained a clean, low-risk portfolio by ensuring 100% timely renewals and client documentation.
- Reduced average disbursement turnaround time by 25% through proactive coordination with credit and operations teams.
- Assisted in closing high-value working capital deals (₹10–15 Cr+) by handling legal, property, and compliance formalities end-to-end.
- Regularly visited clients and industrial units, gaining better insight into business operations and improving credit quality.
- Strengthened relationships with over 20+ branches and 10+ DSAs, which contributed to a consistent flow of qualified leads.
- Played a key role in reviving inactive accounts and converting them into active credit relationships.
- Took initiative to train junior staff and new joiners on file processing, documentation checks, and DSA coordination.
Sales Executive | Commercial Vehicles
HDFC Bank
04.2021 - 11.2022
- Sourced and logged over ₹25+ Cr in Commercial Vehicle loan proposals from open market, branches, and dealers.
- Achieved monthly disbursement targets consistently, with a personal best of ₹5 Cr+ disbursed in a single month.
- Built strong connect with 15+ dealerships and 20+ branches for lead generation and ground-level market insights.
- Ensured smooth coordination with credit and ops teams for TAT under 4 days per file.
- Supported RM in 100+ asset verifications and valuations, directly contributing to faster disbursement closures.
- Played a key role in activating new sourcing locations and developing untapped markets in assigned regions.
Education
MBA - Finance
Chandigarh University
Mohali 04.2001 -
Bachelor in Commerce
Kurukshetra University
Karnal 04.2001 -
Skills
Corporate & SME Lending Credit Analysis Infra Finance Working Capital & Trade Finance Client Relationship Management Cross-Selling Portfolio Monitoring Legal & Documentation MS Excel MS PowerPoint LOS Team Handling Portfolio management
Accomplishments
- Participated in HDFC Bank's Annual Sales Strategy Meet 2024
- Active contributor to internal knowledge-sharing sessions on credit underwriting
- Coordinated weekly pipeline review meets for the Infra Finance vertical
- Attended industry webinars on Infrastructure Financing and Risk Management
- Voluntarily helped onboard and guide new joiners in the RM team
Timeline
Relationship Manager – Infra Finance Group
HDFC Bank
09.2024 - Current
Relationship Officer | SME & Working Capital Group
Axis Bank
11.2022 - 09.2024
Sales Executive | Commercial Vehicles
HDFC Bank
04.2021 - 11.2022
MBA - Finance
Chandigarh University
04.2001 -
Bachelor in Commerce
Kurukshetra University
04.2001 -
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