JITEN KARIYA
Regional Business Development Manager
Rajkot
Summary
Highly achievement oriented, motivated and innovative with a determination to work dynamically towards the growth of the organization. Keen interest and a strong ability to become part of a national or international organization. Well versed in the use of computers. Multilingual with fluency in English, Gujarati and Hindi. My core competencies are: Market Analysis, Customer Development, Quality Services, Sales Strategies, Team Leader, Interpersonal Skills, Computer Proficient, Public Dealing, Quick Adaptability.
Overview
22
22
years of professional experience
Work History
Business Development Manager
IDBI Bank Ltd
05.2025 - Current
- Manage and drive the Asset Business portfolio across the region, including SRA, MSME, Agriculture, and Gold Loan products.
- Prepare and monitor branch-wise product budgets and business targets based on local market potential and opportunities.
- Ensure timely sanctioning and disbursement of loan proposals through coordination with credit, operations, and other support functions.
- Conduct regular reviews and follow-ups with Asset Officers and Branch Heads to drive new asset business acquisition and portfolio expansion.
- Monitor Special Mention Accounts (SMA) and coordinate with branch and collections teams to control delinquency and reduce Fresh NPAs (FTNPA).
- Track regional asset business performance, identify growth opportunities, and implement strategies to achieve business targets.
- Build strong relationships with branches, customers, and stakeholders to enhance business growth and portfolio quality.
Branch Head-
IDBI Bank Ltd
03.2023 - 05.2025
- To Work As Head of Strategic Business Unit
- Drive the Business of Agri Loans/ Gold Loans/ MSME Loans / CASA / TPD Business
- To sanction the Proposal for different product and handover for final disbursement.
- Ensure Timely completion of Complainces
- Monitoring ot the accounts for Various updation and ensure the end use of the funds.
- Recovery and NPA Management Process for SMA 0, SMA 1 , SMA 2 Accounts and also taking various measures to recover the defaulted accounts by taking various legal measures.
- Maintain the Cordial relation with various departments for customer experience enrichment and smooth processing of business related transactions.
- Team Management and Leadership
Asset Officer (Credit Manager)
IDBI Bank Ltd
08.2018 - 02.2023
- Sourcing of MSME/ SRA/Agri/Gold Loan Business
- To Carry out Credit Apprisal Process from Due Diligence to Finalisation of Apprisal Notes for government Sponred Schemes.
- To complete the disbursement Process and along with completion of regulatory and statutory requirements.
- Monitoring of the accounts for Various updates and ensure the end use of the funds.
- Recovery and NPA Management Process for SMA 0, SMA 1 , SMA 2 Accounts and also taking various measures to recover the defaulted accounts by taking various legal measures.
- Cross Selling of Treasury Products ( Forwarding Booking & GSEC ), Trade Finance Products ( Vendor Bills Discounting , LCBD, BG) ,CASA, General Insurance, Mutual Funds & Other Liability Products.
Relationship Manager, Corporate Banking
IDBI Bank Ltd
12.2015 - 08.2018
- Solicit, acquire and develop new accounts within target list in the segment by analyzing their banking requirements as per the budget
- Responsible for account profitability and ensuring that delinquency is minimal by regular monitoring of the customer account
- Monitoring of Daily Transaction and obtained necessary approval from competent authority with regards to their LC/BG/ Trade Transactions.
- Liaisoning with various Banks & Financial institution with reference to consortium customer
- Interacting with other business units like credit, operations, retail branches, legal etc. and networking in markets by meeting consulates, trade chambers of commerce etc
Relationship Manager
IDBI Bank Ltd
10.2010 - 11.2015
- Sourcing and Appraisal of the New Proposal for various MSME Customers.
- Cross Selling of Investment Products of Bank
- Monitoring of Daily Transaction and obtained necessary approval from competent authority
- Managing the Institution Viz. Corporate, Co-operative Bank, Government business.
Cluster Manager
JM Mutual Fund
10.2009 - 08.2010
- Reporting to Vice President – Rest of West (Pune)
Cluster Manager
JM Financial Asset Management PVT. LTD
03.2007 - 08.2010
- To develop new channel of distributor and dealers for marketing and distribution of JM Financial Mutual Fund's Scheme.
- Handling a Entire Portfolio of JM Platinum Credit Customers (Margin Funding Clients).
- Creating awareness among Investors, IFAs, National Distributors & Banks.
- JM Financial MutualFundsBrandBuilding.
- Market intelligence and report covering competitor's activity in terms of their pricing, promotional and other strategic policies.
- Controlling and Managing South Gujarat Region as a ProfitCenter Head.
- Train and motivate sales personnel
- Motivate and guide distributor to achieve quarterly and yearly target.
- To Control all other functional activities of Branch at local level.
- Forecasting and Planning of SalesTargetCity Wise and Distributor Wise.
- Controlling distribution cost at Branch Level.
Cluster Manager
JM Mutual Fund
03.2007 - 10.2009
- Reporting to Vice President – Rest of West (Pune)
Assistant Area Manager (BANCASSRUANCE)
Bajaj Allianz Life Insurance Company Ltd
09.2005 - 02.2007
- Primary Responsibility: Handling a relationship of IndusInd Bank Ltd for Bancassurance for Saurashtra& Kutch.
- Sales: Making a sales budget for its various branches and assigns the same to its branches.
- CustomerBuilding: Interfacing with Different Branches, Planning sales strategies and targeting customer attraction and development of Bancassurance Channel.
- Coordination: Coordinating between all the branches of bank for MIS and reporting and direct submitted to HO.
- Customer Services: Ensuring quality customer services from Bajaj Allianz's FPC for customer satisfaction and retention.
- Motivation: Keeping Motivating Bank's Employee for their key contribution in business.
- Team Handling: Handling a team of 10 FPC for IndusInds'branches located in Gujarat region.
- Additional Responsibilities:-To Develop Cooperative Bank Channels In Saurashtra & Kutch Region.
Branch Sales Officer
H.D.F.C. Bank Ltd
04.2004 - 08.2005
- Interfaced with corporate and retail customers to assess needs and provide tailored financial solutions.
- Sold liability, asset, and wealth management products to meet diverse client financial goals.
- Planned and scheduled product launches to align with market demands.
- Developed strong relationships with customers to enhance satisfaction.
Education
H.S.C - Commerce
The V.C.Tech. High School, Morbi
Morvi, IndiaCAIIB - undefined
Indian Institute of Banking and Finance
01-2014
POST GRADUATE DIPLOMA IN BUSINESS MANAGEMENT - Finance
Tolani Institute of Management Studies
01-2004
BACHELOR OF COMMERCE - Adv.A/C & Auditing
SaurashtraUniversity
01-2002
Skills
Team leadership
Business development and planning
Business development and planning
Territory management
Proposal development
Competitive intelligence
Customer service
Team collaboration
Decision-making
Relationship building and management
Timeline
Business Development Manager
IDBI Bank Ltd
05.2025 - Current
Branch Head-
IDBI Bank Ltd
03.2023 - 05.2025
Asset Officer (Credit Manager)
IDBI Bank Ltd
08.2018 - 02.2023
Relationship Manager, Corporate Banking
IDBI Bank Ltd
12.2015 - 08.2018
Relationship Manager
IDBI Bank Ltd
10.2010 - 11.2015
Cluster Manager
JM Mutual Fund
10.2009 - 08.2010
Cluster Manager
JM Financial Asset Management PVT. LTD
03.2007 - 08.2010
Cluster Manager
JM Mutual Fund
03.2007 - 10.2009
Assistant Area Manager (BANCASSRUANCE)
Bajaj Allianz Life Insurance Company Ltd
09.2005 - 02.2007
Branch Sales Officer
H.D.F.C. Bank Ltd
04.2004 - 08.2005
BACHELOR OF COMMERCE - Adv.A/C & Auditing
SaurashtraUniversity
CAIIB - undefined
Indian Institute of Banking and Finance
H.S.C - Commerce
The V.C.Tech. High School, Morbi
POST GRADUATE DIPLOMA IN BUSINESS MANAGEMENT - Finance
Tolani Institute of Management Studies