Summary
Overview
Work History
Education
Skills
Accomplishments
Languages
References
Timeline
Generic

Krishnaji Joshi

Pune

Summary

Banking professional with 18 years of experience in achieving organizational goals through structured practices. Demonstrated ability to thrive under pressure and adapt to evolving challenges, enhancing brand presence. Expertise in market research and expansion, with a track record of driving growth and operational efficiency. Strong background in strategic planning, business development, and team leadership, resulting in significant regional sales improvements.

Overview

18
18
years of professional experience

Work History

Regional Head - Credit Cards

HDFC Bank Ltd
Pune
12.2023 - Current
  • Heading to Maharashtra and Goa for Credit Cards Branch Banking Channel.
  • Sales planning, target allocation, COA management, and resource activation.
  • Responsible for achieving credit card targets at the regional and branch levels for 700 branches across Maharashtra and Goa.
  • Responsible for CASA float movement upwards by selling business cards to self-employed customers, and routing them to use business cards to increase card spends.
  • Cross-selling of loan-on-cards, insurance products, CASA, forex cards, and other prepaid products.
  • Analyzed data from market research studies to identify opportunities for expansion into new markets.

Zonal Head - West 2

HDFC Bank Ltd
PUNE
06.2020 - 11.2023
  • Lead the West 2 Zone for credit card sales for Maharashtra and Goa.
  • Expanded Business Cards (Self-Employed Cards) business across the rest of Maharashtra and Goa state - Manpower grew from 10 SMs to 25 SMs, and FOS grew from 100 to 300.
  • Researched, identified, and placed manpower in Tier 2 and Tier 3 cities.
  • Cards sourcing increased from 1,000 to 6,000 per month.
  • Mentored junior team members to promote professional development and teamwork.
  • Channel Management - Retail Branch Banking and Asset channels, i.e. Auto loans, business loans, and consumer durable loans - bundling, cross-selling of credit cards along with loans.

Zonal Head - Forex Cards and Credit Cards Bundling

HDFC Bank Limited
Bangalore
08.2017 - 06.2020
  • Handled South 2 Zone consisting Karnataka & Kerala with a team size of 250 FOS, 24 Sales Managers and 3 Area Heads.
  • Built a Strong Forex Cards Sales team from the scratch which delivered USD 5 Mn Forex Value Loading per month during peak season.
  • Instrumental in settling Fincon Targets for the Branch Banking team for South 2 region - Achieved 120% for 2017-18 and 2018-19.
  • Instrumental in business growth of overall USD 70 Mn for 2019-20 which was less than USD 25 Mn before 2016-17.
  • Credit Cards Bundling with Auto Loans, Personal Loans and Home Loans teams - Sourcing of Credit Cards along with Asset Products.
  • Identified markets and manpower to increase the team size from 3 Sales Managers to 25 Sales Managers in three years.
  • Cross selling of Credit Cards, Loan on Cards, CASA and other Prepaid products.

Area Head - Credit Cards

HDFC Bank Limited
Bangalore
04.2016 - 06.2017
  • Handled West Bangalore and Rest of Karnataka for Credit Card Sales - Branch Channel with team size of 80 FOS and 8 Sales Managers.
  • Instrumental in identifying, position creation and recruitment of 4 Sales Managers for first time in Rest of Karnataka, Hired Sales Managers in Mysore, Mangalore, Belgaum and Gulbarga for business expansion.
  • Branch Sales Management, market research, business growth in Rest of Karnataka

Sales Manager - Credit Cards & Merchant Acquiring

HDFC Bank Limited
Bangalore
04.2013 - 03.2016
  • Recruited and hired top-level talent to add value and expertise to sales department.
  • Managed West and Central Bangalore with 30 Branches and FOS team of 10.
  • Hired and Mentored freshers who are Sales Managers today.
  • Instrumental in increasing Digital Sourcing of Credit Cards through STP from 5% to 50% contribution to overall sourcing.
  • Handled Cafe Coffee Day PAN India Relation for 6 months - From Signup till Installations of EDC Machines.
  • Cross Selling of Asset Products and CASA.

Merchant Relationship Manager

HDFC Bank Limited
Belgaum
04.2010 - 04.2013
  • Handled portfolio of North Karnataka with team size of 10 Relationship officers
  • Instrumental in acquiring and growing new Merchant Relations
  • Business on POS volumes grew multifold from 3 Cr to 19Cr within 3 years span.
  • Instrumental in acquiring big merchants in Belgaum, Hubli, Gulbarga, Davangere and Bidar Cities.
  • Won Foreign Trip to Europe - Visited Prague and Vienna.

Personal Loan Officer

CitiFinancial Consumer Finance India Limited
Mangalore and Davangere
06.2007 - 04.2010
  • Learned new skills and applied to daily tasks to improve efficiency and productivity.
  • The Shooting Star Award Winner.
  • Selling of Unsecured Personal Loans along with Insurance Cross Sell
  • Hired and Managed team of 15 Sales Executives.
  • Mastered flawless Handling of Cash, Customer Service and Branch Administration.
  • Expertise in Cheque Bounce Charges Collection which boosted my convincing and communication skills.
  • Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting.

Education

MBA - Finance And Human Resources

Karnataka University Dharwad
Belgaum

Bachelor of Commerce - Finance And Cost Accounting

Karnataka University Dharwad
Nargund

Skills

  • Sales planning and target allocation
  • Team building and team management
  • Market research and new market expansion
  • Talent grooming
  • Business development
  • Cross selling
  • Channel management
  • Mentoring and coaching
  • Business forecasting
  • Team leadership

Accomplishments

  • Winner of the Gold Star and Silver Star Awards with HDFC Bank
  • Awardee of Great People Manager from CHRO for zero attrition and high scores in Vibes
  • Winner of foreign and Andaman trips for sales target achievement
  • Winner of the Shooting Star Award, a prestigious award with Citi

Languages

Kannada
First Language
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Marathi
Advanced (C1)
C1
Tamil
Beginner
A1
Telugu
Beginner
A1

References

References available upon request.

Timeline

Regional Head - Credit Cards

HDFC Bank Ltd
12.2023 - Current

Zonal Head - West 2

HDFC Bank Ltd
06.2020 - 11.2023

Zonal Head - Forex Cards and Credit Cards Bundling

HDFC Bank Limited
08.2017 - 06.2020

Area Head - Credit Cards

HDFC Bank Limited
04.2016 - 06.2017

Sales Manager - Credit Cards & Merchant Acquiring

HDFC Bank Limited
04.2013 - 03.2016

Merchant Relationship Manager

HDFC Bank Limited
04.2010 - 04.2013

Personal Loan Officer

CitiFinancial Consumer Finance India Limited
06.2007 - 04.2010

MBA - Finance And Human Resources

Karnataka University Dharwad

Bachelor of Commerce - Finance And Cost Accounting

Karnataka University Dharwad

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