Kuldeep Budakoti
Senior Manager
DELHI
Summary
Versatile Senior Manager specializing in BUSINESS BANKING and skilled at planning, implementing and overseeing key improvements to drive business growth and efficiency. History of cultivating an open culture with free exchange of information. Pursuing new professional challenges with a growth-oriented company.. Executive Summary 13+ years of experience in Sales management, Strategic Planning, Business Development, Team management, Customer Relationship Management and Channel Management. Currently Working with HDFC Bank , Keen strategist with expertise in managing Working Capital, Loan Against property, Machinery loans, Gold loans and Personal Loans ETC. Possess excellent interpersonal, communication and organizational skills with proven abilities in customer relationship management.
Overview
14
14
years of professional experience
2
2
Certifications
1
1
Language
Work History
Senior Manager
HDFC Bank
06.2025 - Current
- Established strong relationships with clients and stakeholders for working capital requirements, ensuring long-term partnerships, and repeat business for renewable and enhancement.
- Implemented and developed operational standards, policies, and procedures to meet the norms for closing the housekeeping on time.
- Held weekly meetings to create business plans, housekeeping, and productivity to drive a successful business.
- Provided a strong relationship to enhance the procurement of the portfolio and manage data for requirements, e.g. Limit expiration, stock and property insurance, and other deferral documents.
- Increased customer satisfaction with timely project deliveries and seamless communication.
- Preparation of processes for financial assessment, ensuring accuracy and compliance with regulatory standards, as per client requirements.
Business Development Manager
Standard Chartered Bank
10.2021 - 06.2025
- Handling Business Banking Customers – BB-LAP
- Deals in SME-LAP (1 cr to 25 cr).
- Ensure that you read the property documents and financials as per bank requirements.
- Sourcing through sales channels and the DSA channel, ensuring the targets are achieved as per the organization's training and policy discussion.
- Negotiated and closed long-term agreements with new clients in the assigned territory, along with cross-sales for the retail business.
- Increased client base by identifying new business opportunities and cultivating strong relationships with key decisionmakers.
Sales Manager
Axis Bank Ltd
02.2020 - 10.2021
- Handled working capital customer relations issues, enabling quick resolution, and client satisfaction for fund base and Non-Fund base limits.
- Implemented CRM systems for better tracking of leads, improving follow-up processes and communication within the team sourcing through Open Market Sales Channels and DSA channel for Sourcing for unsecured CGTSME.
- Handled customer relations issues, enabling quick resolution, and client satisfaction.
- Expanded market share by identifying and penetrating untapped markets.
Branch Sales Manager
Dewan Housing Finance Limited
02.2018 - 01.2020
- Set clear performance goals for the sales team, providing regular feedback on progress toward targets, while offering support where needed for a loan against property.
- Support collections and third-party products for cross-sell.
- Ensure that you read the documents and financials, and visit as sales PD before logging in.
- Sourcing through sales channels and the DSA channel, ensuring the targets are achieved as per the organization.
- Marketing and activities are done at the root level to increase branding and promotions.
- Team handling training and policy discussion for the retail business.
Asst. Sales Manager
ESSEL FINANCE BUSINESS LOANS LIMITED
11.2016 - 10.2017
- Developed strong client relationships for repeat business and increased referrals for loans against property/machinery loans.
- Achieved sales targets consistently by driving daily sales activities and managing the sales pipeline effectively.
- Handling the support collections and cross-sell.
- Sourcing through sales channels and the DSA channel, with training and policy discussions, ensuring the targets are achieved as per the organization's standards.
- Ensure the source case to study and discuss before logging in.
- Marketing and activities are done at the root level to increase branding and promotions.
Executive (Customer Service Retail Banking)
DCB Bank Limited
09.2013 - 05.2016
- Enhanced customer satisfaction by streamlining communication channels and improving response times.
- Optimized operational efficiency by redesigning processes, systems, and workspaces for increased productivity.
- Verification of branch transactions along various loans, such as loans against gold, fixed deposits, etc.
- Effectively taking initiatives to control branch operating expenses, handling branch and related sales operations.
- Ensures the branch adheres to KYC and AML norms, handling the LAP, gold loan, personal loans, and supporting collections.
- Sourcing through connectors and the open market, ensuring
- Internally moved to DCB Bank from Capital First Ltd. (01-April-2015 to 23-May-2016) Capital First Limited (NBFC) (10-Sept-2013 to 31-March-2015).
- DCB Bank Designation: Executive (Customer Service, Retail Banking)
- Capital First Limited Designation: Branch Manager, Senior Sales Executive.
Management Trainee/Asst. officer
India Infoline ltd
05.2012 - 07.2013
- Gained knowledge of company policies, protocols and processes.
- Developed problem-solving abilities through hands-on experience with real-life business scenarios.
- Showcased strong organizational skills by effectively managing multiple projects and tasks simultaneously, meeting all deadlines, and maintaining a high level of performance under pressure.
- Handled day-to-day customer or client questions via telephone or email for loans against property, gold loans, personal loans, and support collections.
- Sourcing through connectors and the open market, ensuring the targets are achieved as per the organization.
- Marketing and activities are done at the root level to increase branding and promotion.
Education
PGP - Sales And Marketing
IILM
LODI ROAD06.2012
Executive MBA - Financial Management
IMT GHAZIYABAD CDL
Ghaziabad, India 04.2001 -
Bachelor of Science - IT
IMS DEHRADUN/H.N.B GARHWAL UNIVERSITY
DEHRADUN06.2009
Sr. secondary - Science Education
S.G.R.R PUBLIC SCHOOL // CBSE
KOTDWAR, UTTRAKHAND05.2005
SECONDARY - GENERAL SUBJECTS CBSE
S.G.R.R PUBLIC SCHOOL KOTDWAR/CBSE
KOTDWAR, UTTRAKHAND06.2003
Skills
Strategic planning
Certification
2022-10 IRDA CERTIFICATION
Additional Information
- Father's Name : Madan Mohan Budakoti
- Nationality : Indian
- Language Known : English and Hindi
- Marital Status : Married
- D.O.B. : 20-06-1988
Timeline
Senior Manager
HDFC Bank
06.2025 - Current
Business Development Manager
Standard Chartered Bank
10.2021 - 06.2025
Sales Manager
Axis Bank Ltd
02.2020 - 10.2021
Branch Sales Manager
Dewan Housing Finance Limited
02.2018 - 01.2020
Asst. Sales Manager
ESSEL FINANCE BUSINESS LOANS LIMITED
11.2016 - 10.2017
Executive (Customer Service Retail Banking)
DCB Bank Limited
09.2013 - 05.2016
Management Trainee/Asst. officer
India Infoline ltd
05.2012 - 07.2013
Executive MBA - Financial Management
IMT GHAZIYABAD CDL
04.2001 -
Bachelor of Science - IT
IMS DEHRADUN/H.N.B GARHWAL UNIVERSITY
Sr. secondary - Science Education
S.G.R.R PUBLIC SCHOOL // CBSE
SECONDARY - GENERAL SUBJECTS CBSE
S.G.R.R PUBLIC SCHOOL KOTDWAR/CBSE
PGP - Sales And Marketing
IILM