Janhavi Naik
Mumbai
Summary
Dynamic professional with extensive experience at HDFC Bank, excelling in customer relationship management and business development. Proven track record in driving portfolio growth and operational efficiency, achieving revenue targets through strategic cross-sell initiatives. Adept at fostering client relationships and delivering exceptional service, ensuring compliance and risk management standards are met.
Overview
19
19
years of professional experience
Work History
AVP IMPERIA RELATIONSHIP MANAGER
HDFC Bank
Mumbai
01.2025 - Current
- Managed a high-value customer portfolio, ensuring retention and relationship deepening.
- Acquired new clients aligned with Imperia product criteria to grow book size.
- Conducted regular customer interactions to build rapport and update profiles.
- Achieved MTD and YTD revenue targets through strategic cross-sell and up-sell.
- Drove product penetration and increased wallet share across customer base.
- Ensured adherence to KYC/AML norms and error-free operational processing.
- Delivered superior customer service with prompt resolution of queries and complaints.
- Promoted digital banking channels and ensured optimal utilization.
- Conducted joint customer calls with supervisors for effective engagement.
- Coordinated with internal teams (PBG, BM, RBH) for advisory and service delivery.
- Ensured smooth portfolio handovers and backup support during RM absence.
- Engaged customer networks (family/associates) for cross-sell opportunities.
- Maintained workstation hygiene and complied with 5-S process standards.
Associate Vice President
Hong Kong and Shangai Banking Corporation Limited
Mumbai
04.2015 - 01.2025
- Spearheaded franchise development for the secured lending business in Powai, driving market penetration and brand presence.
- Led balance sheet growth and enhanced sales productivity across branch operations.
- Managed channel sales with annual volumes of INR 106 Cr, overseeing a 4-member relationship manager unit.
- Handled mortgage & LAP referrals from HNWI clients, ensuring timely conversion and client satisfaction.
- Designed and executed business development strategies through internal teams and external networks.
- Oversaw and coached Lead Generators (LGs) to optimize branch-level sourcing efficiency.
- Structured deals within the Bank’s credit and risk frameworks, maintaining portfolio profitability.
- Drove cross-sell initiatives across personal loans, credit cards, insurance, and liabilities products.
- Facilitated training programs for branch staff on retail asset products and compliance standards.
- Ensured risk control mechanisms were in place to mitigate operational, fraud, and credit risks through sales quality checks.
Senior Associate
HSBC Operations & Processing Enterprises
Mumbai
05.2006 - 05.2013
- Managed retail asset financial approval processes for secured lending across India, ensuring risk-aligned credit decisions.
- Conducted in-depth financial analysis and prepared comprehensive credit proposals for both secured and unsecured NTB (new-to-bank) loan applications.
- Ensured adherence to internal audit, compliance norms, and defined TAT (turnaround time) benchmarks for loan processing.
- Prepared and disseminated loan tracking reports, verification dashboards, and operational MIS to key internal stakeholders.
- Played a key role in the decentralization of Retail Asset Operations in 2011, enhancing operational efficiency.
- Led process setup at regional offices in Chennai and Delhi, supporting regional growth.
- Conducted training programs for newly onboarded operations staff to ensure seamless business continuity and standardized practices.
Education
Bachelor of Science - Computer Science
SIWS COLLEGE
Mumbai05-2005
Skills
- Customer relationship management
- Business development
- Portfolio management
- Operational efficiency
Accomplishments
- Selected for INM Year-End Convention in 2020 & 2021 for exceptional performance and contribution to business growth.
- Consistently ranked in the Top Quartile among peers pan-India, reflecting strong sales performance and portfolio management.
Timeline
AVP IMPERIA RELATIONSHIP MANAGER
HDFC Bank
01.2025 - Current
Associate Vice President
Hong Kong and Shangai Banking Corporation Limited
04.2015 - 01.2025
Senior Associate
HSBC Operations & Processing Enterprises
05.2006 - 05.2013
Bachelor of Science - Computer Science
SIWS COLLEGE