INDERPAL SINGH
Chandigarh
Summary
Client-focused Relationship Manager with 13+ years of experience in banking, specialising in client acquisition, portfolio growth, and cross-selling of financial products. Strong exposure to MSME, corporate, and high-value clients with a balanced approach to revenue generation and risk management. Known for delivering personalised financial solutions, maintaining premium client relationships, and meeting aggressive business targets in competitive banking environments. Well-suited for private and foreign banks with a strong emphasis on service excellence, compliance, and profitability.
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
3
3
Languages
4
4
Certifications
15
15
years of professional experience
Work History
Relationship Officer
IDBI Bank
08.2022 - Current
- Manage a diversified client portfolio with focus on profitability, retention, and long-term relationship building.
- Acquire new clients through referrals, market networking, and relationship-led business development.
- Drive cross-selling of CASA, Financial Products, Term loans, MSME finance, and allied banking products.
- Deliver high service standards through proactive engagement, quick turnaround, and issue resolution.
Manager – SASF (On Deputation)
IDBI Bank
07.2019 - 08.2022
- Managed complex borrower relationships while representing SASF (Government of India Trust).
- Engaged with corporate clients to negotiate restructuring, settlements, and resolution under IBC 2016.
- Coordinated with legal, compliance, and business teams across 80+ branches ensuring regulatory adherence.
- Strengthened client communication and negotiation capabilities in high-value, high-risk portfolios.
Recovery Officer
IDBI Bank
05.2016 - 07.2019
- Maintained structured engagement with clients to resolve stressed exposures while preserving long-term relationships.
- Worked closely with customers, legal counsel, and internal teams to ensure compliant and timely resolutions.
- Enhanced skills in negotiation, conflict management, and client handling under pressure.
Asset Officer
IDBI Bank
01.2015 - 05.2016
- Conducted detailed credit appraisals for MSME and corporate clients including financial analysis, cash-flow assessment, and risk evaluation.
- Supported faster deal closures by providing timely and accurate credit inputs to relationship teams.
Relationship Officer
IDBI Bank
07.2011 - 01.2015
- Built and managed long-term relationships with retail and MSME clients.
- Promoted banking products through client meetings, referrals, and local market outreach.
- Contributed to consistent growth in deposits and advances through service excellence.
Education
Bachelor of Technology - Computer Science Engineering
Punjab Technical University
Punjab01.2010
Skills
Client Acquisition & Portfolio Expansion
Relationship Management (HNI / MSME / Corporate)
Cross-Selling: CASA, Trade Finance, Loans, Forex, Financial Products
Revenue Generation & Target Achievement
Credit Appraisal & Risk Assessment
Teamwork and collaboration
Friendly, positive attitude
Computer skills
Customer service
Flexible and adaptable
Multitasking Abilities
Dependable and responsible
Calm under pressure
Excellent communication
Problem-solving
Certification
Certified Credit Professional, IIBF, Mumbai – 2018
Timeline
Relationship Officer
IDBI Bank
08.2022 - Current
Manager – SASF (On Deputation)
IDBI Bank
07.2019 - 08.2022
Recovery Officer
IDBI Bank
05.2016 - 07.2019
Asset Officer
IDBI Bank
01.2015 - 05.2016
Relationship Officer
IDBI Bank
07.2011 - 01.2015
Bachelor of Technology - Computer Science Engineering
Punjab Technical University