Kartik Bhardwaj
Summary
High-performing banking professional with 4 years of experience in delivering impactful results across Retail Assets, Credit, and Financial Analysis. Proven ability to build strong internal and external relationships to drive business growth and achieve high-priority goals. Thrive in fast-paced, target-driven environments while enabling team success through collaboration and strategic execution. Committed to continuous learning and consistently going the extra mile to support operational excellence and customer satisfaction.
Overview
4
4
years of professional experience
Work History
Sales & Relationship Manager - MSME
South Indian Bank
04.2025 - Current
- Business Acquisition & Revenue Growth: Sourced and onboarded new high-value MSME clients through market mapping, reference channels, and direct sales efforts, contributing growth in disbursements.
- Channel Partner Development: Onboarded and maintained strong partnership with multiple DSA’s and channel partners to source high-value MSME loan proposals (₹2 Cr+), contributing significantly to business growth.
- Credit Assessment & Proposal Structuring: Conducted detailed financial analysis (Balance Sheet, P&L, cash flows) and structured credit proposals tailored to client requirements while ensuring alignment with internal credit pol
- Risk Management & Portfolio Quality: Ensured high portfolio quality through regular monitoring of accounts, early warning signal identification, and proactive delinquency control.
- Client Onboarding & Documentation: Handled end-to-end client onboarding including due diligence, KYC, legal and technical coordination, and documentation for smooth sanction and disbursal.
- Cross-Selling & Wallet Share Expansion: Actively cross-sold business banking products like current accounts, overdrafts, trade finance, and insurance, enhancing overall wallet share per client.
- CRM & Pipeline Management: Utilized Salesforce/CRM tools to track leads, manage sales pipeline, and improve conversion efficiency and client follow-up adherence.
- Compliance & Regulatory Adherence: Maintained strict adherence to RBI guidelines, KYC/AML norms, and internal credit/compliance policies.
Assistant Manager
South Indian Bank
08.2021 - 03.2025
- Branch Operations Management: Oversaw day-to-day branch activities including cash management, account opening, clearing, locker services, vault operations, and back-office functions, ensuring operational efficiency and compliance.
- Credit & Lending Operations: Handled end-to-end credit processes including sourcing, appraisal, documentation, and disbursement for various loan products, ensuring adherence to internal policies and regulatory norms.
- Gold Loan Portfolio Management: Managed the gold loan portfolio, including accurate valuation, documentation, risk assessment, and portfolio monitoring for timely renewals and quality control.
- Regulatory Compliance & Risk Management:
Resolved time-bound Risk-Based Internal Audit (RBIA) and gold lending inspection queries with full compliance.
Ensured 100% adherence to RBI, KYC, AML, and internal audit guidelines.
Successfully cleared internal/external audits with clean reports by implementing risk controls and operational checks. - AML & KYC Oversight: Reviewed AML alerts, verified customer KYC documents, and updated CRM systems regularly to maintain regulatory compliance and data integrity.
- Customer Service Excellence:
Delivered high-quality service by minimizing wait times, addressing customer grievances promptly, and maintaining service-level standards.
Acted as the final escalation point for complex transactional issues, ensuring timely and satisfactory resolutions. - Sales Support & Cross-Selling: Identified and referred cross-sell opportunities for retail loans, credit cards, insurance, and investment products, supporting revenue growth targets.
- Process Improvement: Proposed and implemented improvements to operational workflows, resulting in reduced turnaround times (TAT) and enhanced branch efficiency.
- Campaign Participation & Performance: Actively participated in Head Office (HO) and Regional Office (RO) campaigns, consistently achieving performance benchmarks and target qualifications.
Education
MBA - Marketing & Sales
Amity Business School, Amity University
Noida06-2021
BBA -
Guru Gobind Singh Indraprastha University
New Delhi05-2018
Skills
- Credit
- Relationship building
- Financial Analysis
- Portfolio Management & Monitoring
- Business Development
- Relationship Management
- Compliance & Risk Management
- KYC/AML
- Operational & Coordination Skills
- CRM
Timeline
Sales & Relationship Manager - MSME
South Indian Bank
04.2025 - Current
Assistant Manager
South Indian Bank
08.2021 - 03.2025
MBA - Marketing & Sales
Amity Business School, Amity University
BBA -
Guru Gobind Singh Indraprastha University
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