Jaiprakash L K
Belgavi
Summary
Accomplished leader in Banking and Financial Services of a proven track record of achieving 100% sales productivity and maintaining high portfolio quality. Known for exceptional team leadership, organizational skills, and commitment to compliance. Results-driven professional with extensive experience in lending and team management. Recognized for achieving 95% collection efficiency and maintaining audit scores above 90%. Committed to fostering team development and delivering tailored lending solutions.
Overview
23
23
years of professional experience
Work History
Sr Branch Manager (Lending)
HDB FINANCIAL SERVICES LTD.
Belgaum
07.2017 - 07.2025
- Yearly achieved 100% of AOP with quality portfolio 70% with New customer,30% existing base under Pre approved campaign while managing the cost.
- Achieved 100% Sales productivity with 90% sales staff on boarded and delivering of Min 5 productivity including Gold Loan units per officers.
- Achieved 100% process management while maintained write rate @35% and audit score @90% and above.
- Achieved Portfolio management of managing the risk with collection efficiency 95% in current and 85% in 1-30 bucket. overall bounce percentage within 1.5%.
- Gold Loan Olympic contest under Branch Manager Category. “BRONZE WINNER” for the
- Led branch operations by developing strategies that improved customer retention and satisfaction through tailored lending solutions.
- Oversaw lending processes and compliance, ensuring adherence to regulatory requirements and internal policies across all transactions.
- Mentored and trained branch staff on effective sales techniques and product knowledge to enhance team performance and service delivery.
CSM
ICICI Bank Ltd.
Hyderabad
03.2010 - 11.2014
- To handle team of sales officers, motivate and train to achieve the targets.
- To achieve NCA CASA/ Assets products viz Housing/ Auto /Personal/LAP /Gold Loan cross selling of third party products to deepening the relationship value.
- To ensure the newly opened account are maintaining the M+1, and M+n to increase the value buildup in the overall CASA growth and Assets products.
- To achieve the attachment products for transactional banking targets to ensure the stickiness.
- To acquire the HNI accounts, Government and IVY current accounts to increase the value targets and Business banking solutions.
- Achievement of CASA / Assets targets and benchmarks.
- Achieved award of excellence from RBH as “Emerging stars of south” October, November, December, and January 2013-14 consistently.
- Achieved award of excellence from RBH as stars of south for August, sep2013.
- Achieved award of excellence from RBH as “The Value Builder FY2014-15.
- Developed and implemented customer relationship management strategies to enhance client engagement and retention.
- Collaborated with cross-functional teams to identify and address customer needs, ensuring tailored solutions and improved satisfaction.
PB Sales - Retail Banking
HDFC Bank Ltd.
Jayanagar
01.2008 - 01.2010
- Sales: Acquiring, Enhancing, Deepening and retention, Portfolio Management Customer Services, Operations Achievement of income plans and other benchmarks.
- Achieved 13 laces of income within 5months from date of portfolio take over.
- Achieved the benchmark of 4 sales per day in the 5th month from the date of portfolio takeover.
- One of the RM’s to earn incentive in 5th month from date of portfolio taken over.
Asst Sales Manager
Yes Bank Ltd.
06.2006 - 01.2008
- Got promoted on 1st July, 2007 as Unit Had (Team Sales Leader).
Relationship Manager
ING Vysya Financial services ltd.
07.2002 - 06.2006
- Specialize in wealth management Services, portfolio construction to the retailers, Corporate and HNI clients.
- One of the only member of a 25 batch recruited.
- Got promoted as Team Sales Leader in 1st July, 2007.
- Won Yes Bank National Sales Head (NSH) Trophy for outstanding performance.
- Only a person to Qualified for Semi Annual conference held at DUBAI to receive CERTIFICATE OF MERIT in Appreciation on 28th April, 2007.for the campaign “Cruise to DUBAI”.
- Qualified for Annual Conference held at Malaysia (KULA LUMPUR) to receive CERTIFICATE OF MERIT in Appreciation in the month of June,2007 for the campaign “NO LIMITS”.
- Generated INR Rs.325 lakhs Business of Mutual funds and 22 lakhs of ULIP investments.
Education
B.com, MBA - Finance
Karnataka University
Dharwad01-2003
Skills
- Good communication and presentation skills
- Organized and well-structured at work place
- Committed to deadlines and schedules
- Good Team playing ability
- Honest
- Sincere
- Hard Worker
- High levels of Integrity
- Team building and training
- Self-motivation
Languages
English
Proficient
C2
Hindi
Advanced
C1
Kannada
Proficient
C2
Marathi
Elementary
A2
Telugu
Intermediate
B1
Custom Section
- AMFI Certification for Mutual Fund
- IRDA certification for insurance
- MAPIN in NCFM number
Hobbies and Interests
- Reading, Leaning, Training
- Singing
- Listening Music
- Playing Cricket
- Travelling
Professional Snapshot
Dynamic Senior Branch Manager at HDB Financial Services (8+ years), with prior leadership at ICICI Bank, HDFC Bank, YES Bank, and ING Vysya Financial Services Ltd. 20+ years mastering retail assets (Mortgage/HL, BL/PL/LAS, Gold Loans) and driving 100% cross-sales of MF, insurance, and general insurance per loan—consistently achieving 100% sales budgets, superior customer service, and rigorous internal audit controls while leading 40-member teams. Internationally awarded in Dubai and Malaysia (Kuala Lumpur) for exceptional performance.
Accomplishments
- Increased sales by 100% while reducing costs by 50%, leading to 40% net profit.
- Recognised by management with ESOPS for my overall contribution delivering granular retail business with well maintained portfolio
- Recognised by management with Yes Bank best performer and awarded at Annual Function held in Malaysia and Dubai.
- Recognised by management for delivering outstanding 100% E nach activation
- Achieved certification through the Career Branding Module.
Timeline
Sr Branch Manager (Lending)
HDB FINANCIAL SERVICES LTD.
07.2017 - 07.2025
CSM
ICICI Bank Ltd.
03.2010 - 11.2014
PB Sales - Retail Banking
HDFC Bank Ltd.
01.2008 - 01.2010
Asst Sales Manager
Yes Bank Ltd.
06.2006 - 01.2008
Relationship Manager
ING Vysya Financial services ltd.
07.2002 - 06.2006
B.com, MBA - Finance
Karnataka University