KULWANT SINGH

Chief Task Handled.

Sales & Business Development Function:

• Lead North LAS Region (Delhi NCR, UP, Punjab, Haryana) Manage end-to-end Sale & business Development ,Credit lifecycle for LAS, including Pre & Post sanction documentation disbursement management and timely resolution of queries, MIS Reporting to senior managerment.
• Led and optimized channel operation, actively managing B2B2C and DSA’s networks while sourcing direct proposals to expand market reach.
• Identified and executed growth opportunities, driving incremental sourcing initiative and implementing cross-sell strategies across corporate accounts.
• Developed and onboarded new business partners, generating qualified leads from open markets and strengthening acquisition pipelines.
• Collaborated with cross-functional stakeholders (Credit, Product, Risk, Operations) to ensure seamless sanctioning, disbursement, account setup, risk management and compliance adherence.
• Consistently achieved and exceeded monthly revenue and disbursement targets.

Client Relationship Management:

• Ensured seamless customer onboarding by driving error free customer application, documentation and Product issuance processes.
• Building & maintaining healthy relations with clients ensuring maximum customer satisfaction for referral business and program enhancement.
• Delivered Prompt high-quality service consistently achieving near-zero customer complaints and escalation.
• Strengthened customer engagement through effective cross selling strategies deepening relationships and expanding product adoption.
• Conducted regular client interaction to assess evolving requirements and design customized financial solutions aligned with customer needs.
• Developed and implemented training programs for team members to improve service delivery.

Chief Task Handled.

Sales & Business Development Function:

• Responsible for acquisition, growth of the asset book portfolio while ensuring profitability for the assigned region and maintaining minimal delinquency levels.
• Actively manage relationship with channels, SCB -assigned bank branches and source direct proposals.
• Identify and develop new business channel partners, while generating leads from the open market.
• Interact and manage relationship with all channel's partners and corporate coordinators.
• Build and maintain strong relationships with all channel partners & corporate coordinators.
• Achieve monthly disbursement targets and drive cross-selling of other loan products.

Risk Assurance, Regulatory & business conduct:

• Take full ownership of embedding the highest standards of ethics, regulatory compliance, and business conduct across the standard Chartered Group, ensuring adherence to all applicable laws, regulations, guidelines and the Group code of conducts in both letter and spirit.
• Participate in mandatory sales training sessions and refresher programs as when required.
• Maintain strict compliance with all policies, guidelines, procedures and local regulatory requirements.
• Conduct Customer Due Diligence (CDD), Money Laundering Prevention (MLP) and Treating Customers Fairly (TCF) processes diligently with zero tolerance for fraud or mis-selling.
• Proactively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance- related matters.

Chief Task Handled.

Sales & Business Development Function:

• Manage and grow the assigned portfolios while optimizing (NIM) and fee income to achieve financial targets.
• Drive business management initiatives, and deepen existing client relationships to enhance engagement and profitability.
• Oversee Non-Performing Asset (NPA) management, ensuring early recoveries in NPA, and potential NPA accounts.
• Identify SME business opportunities across products such as Term Loans, WCDL, SID, Bill Discounting, Leasing, Supply Chain Finance, Channel Finance, Promoter Fundings, Equipment Finance, LAP, and LAS.
• Ensure timely renewal and maintenance of existing client relationships.
• Handle pre- and post-sanction formalities, ensuring documentation compliance as per the company guidelines, security creation, and timely inspections.
• Conduct periodic reviews of the credit appraisal process, identify improvement areas, and recommend actionable enhancements.
• Manage day-to-day transactions, and ensure zero overdue in mapped accounts.
• Build new DSA channels, and maintain strong relationships with existing partners.
• Liaise with internal departments to generate leads and prepare proposals for LAS and other products.
• Responsible for cross-sales of other loan products, e.g., BL, PL, HL, LAP, insurance products, etc.
• Led strategic initiatives to enhance operational efficiency across financial services divisions.
• Developed and implemented risk management frameworks to mitigate potential financial exposure.

Chief Task Handled.

• Build and manage an on-roll sales team (SMs/SEs) focused on acquiring new Demat accounts for ICICI Direct.
• Recruit, train, and develop SMs/SEs, Financial Channel Associates (FCA), and Virtual Channel Associates (VCA) establish new DSAs and channels for business growth.
• Organize periodic Customer Knowledge Programs at ICICI Direct centers, bank branches, and corporate offices to enhance customer engagement.
• Lead the ICICI bank direct channel for two regions—Northwest and West Delhi—ensuring strong performance and productivity.
• Deploy sales teams across mapped bank branches and corporates, driving maximum output from assigned locations.
• Maintain strong relationships with Private Wealth Management (PWM) teams to leverage cross-selling opportunities.
• Promote and drive key products such as M52-PRS, ERS accounts, prepaid accounts, ICFL/ Paid Education Programs, NRI, and corporate accounts.
• Execute marketing activities across mapped ICICI bank branches and corporate locations to boost visibility and sales.
• Launch regular contests for bank teams to maintain high morale and motivation.
• Conduct weekly performance reviews and publish MIS reports for senior management on a regular basis.
• Recognized with multiple awards for excellence, including Best Sales Manager in 2009, 2010, 2011, FY 2014-15, and Best RSM in Quality & Service of Accounts in FY 2015-16 (Q1).
• ICICI Direct.com is online portfolio name of ICICI Securities Ltd. Offer Online Share Trading, Mutual Fund, IPO, Life Insurance, General Insurance, Postal saving, with Wide Range of Product of ICICI Bank, Personal Loan, Home Loan, credit card, etc.

Chief Task Handled.

• Responsible for the sales of Insurance Products of Bajaj Allianz life insurance Co.
• Recruits/Trained Insurance Adviser/agents for Company.
• Handle a team of Insurance Adviser.
• Generate Life Insurance/ Investment Business for Company.
• Achieve on Time My Business Targets and ensuring the achievement of team targets.
• Motivate team to procure good business & assist them in their business calls.
• Building up strong relationship with Existing and New HNI Clients of my branch.