Kunal Verma
Banking Professional
New Delhi
Summary
Over 18 years of experience in Sales, Team Management, Portfolio management, Operations in the Banking and insurance sector.
Transitioning from leadership role in dynamic, high-paced environment, bringing strong strategic planning and team management skills. Skilled in driving growth through data-driven decisions and effective resource allocation. Seeking to leverage these abilities in new field, aiming for impactful and innovative contributions.
Overview
18
18
years of professional experience
2
2
Languages
Work History
Regional Head (Gold Loan)
ICICI BANK LTD.
New Delhi
07.2021 - Current
- Handling a team of 124 employees, which includes both supervisory and individual contributor roles
- Team Structure (reporting to me) : RHS ( 5 )>> Sales Mangers ( 21) >> GL RMs ( 48) >> FOS ( 50 Off role)
- Handling Delhi and NCR location, which comprises of more than 102 branches with a portfolio size of more than INR 500 Crores
- Responsible for achievement of targets and revenue generation
- Built a sustainable and incremental book of an approx INR 600Cr with revenue of an approx INR 5.45 Cr in the previous FY
- Expanded market presence with targeted marketing campaigns and strong customer relationship building.
- Conducted regular performance reviews, setting clear expectations and supporting employee development initiatives.
- Responsible for hiring Regional Head - Sales /Sales Managers/GLE /FOS/product training and aligning marketing activities and other brand promotional activities
- Responsible for identification and setting up new Gold Loan location within the bank branches
- Cross selling of General Insurance, Life Insurance, Collections, CASA, and fixed deposits
- Forging excellent relationships with key channel partners
- Responsible for making a sustainable
- Implemented data-driven decision making, using analytics to identify trends and inform strategy development.
Area Sales Manager (Corporate Credit Cards and Gold Loan)
HDFC BANK LTD.
New Delhi
04.2019 - 07.2021
- Handling a team of 44 employees, which includes both supervisory and individual contributor roles
- Team Structure (reporting to me) Key Account Managers (11) >> Sales RMs (33)
- Handling Delhi NCR and up country location (PCH)
- Achieve Spends Volumes in Commercial Cards and Business Volumes Prepaid cards and for FX and INR (as per Sales Plan)
- Enhance Business of Existing Portfolio Corporate Relationship for the Bank and achieve market leadership
- Increase the Primes in the Portfolio Corporates and achieve the Spends Volumes
- Track and monitor the segment wise achievement of the region and visit the corporate to ensure numbers are on track
- Ensure Setting up of new relationships in existing Corporate Relationships and achieve target assigned across all parameters are met
- Increase Product Holding in Existing Portfolio
- Cross sell Asset products and generate leads for other products of the Bank
- Review corporate wise profitability and revisit the pricing
- Conduct visits and review business share and undertake steps to build incremental business
- Provide high end Business solutions to Existing Corporates and engage senior officials to sign up for Accounts receivables, payables and invoice discounting
- Interact and penetrate into Inventory/CD/ECOM/Fuel Verticals for B2B Solutions
Cluster Head Sales (Business Loan and LACR)
Neo Growth Credit Pvt Ltd.
12.2018 - 04.2019
- Managing a team of 6 Relationship Managers along with front line team of 12 Sales Officers
- Managing DSA Vertical and Direct sales both … with a 70:30 ratio
- Achieving monthly targets on product mix, customer acquisition & other plan parameters
- Meet & exceed profitability & revenue targets
- Forging excellent relationships with key channel partners & clients
Cluster Sales Leader-Business
YES BANK LTD
06.2017 - 12.2018
- Achieving fee income through doing 30 lakh net revenue from Insurance business in FY
- Increased the CA book from 1 crore to 22 crore stable book to enhance the profitability of the branch
- Disbursal of Asset product equivalent to 40 crores for the stickiness of customer and profitability of the branch
- Identifying and networking with prospective clients, generating business from the existing accounts and achieving profitability and increased sales growth
- Conceptualizing and implementing competent strategies to solve customer issues or queries and focusing on building long term customer relationship
- Assuring all Day to Day operation works as per the audit and bank process
- Managing the portfolio of more than 120 groups which includes 218 customers with A.U.M of 26 crores
- Managing Team of 7 people which consist of CA acquisition team
- Looking after the sales of CASA, Liabilities book of the cluster including Trade forex income, Third Party Products (mutual fund, insurance) as well as other asset products
Relatioship Manager - SME & Machinery Loans
Reliance Capital
New Delhi
01.2017 - 06.2017
- Managed and motivated employees to be productive and engaged in work.
- Accomplished multiple tasks within established timeframes.
- Maximized performance by monitoring daily activities and mentoring team members.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
- Controlled costs to keep business operating within budget and increase profits.
- Cross-trained existing employees to maximize team agility and performance.
Branch Manager
HDB Financial Services
New Delhi
05.2016 - 11.2016
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Maintained friendly and professional customer interactions.
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
- Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
Sales Manager -Gold Loan
INDUSIND BANK LTD.
05.2014 - 05.2016
- Handling west and south Delhi which comprises of more than 45 branches
- Responsible for achievement of targets and revenue generation
- Handling a team of more than 8 people including SM's and GL RO's
- Achieved all-time high in terms of Volumes and Units in North 1 in Mar'2015
- Build a book of an approx 18 Cr with Fee Income of an approx 75 Lac in the span of 2 years
- Done maximum no
- Of cases and highest disbursal in the month of March'2016 for the first time in North1
- Responsible for hiring FOS / product training and marketing activities
- Cross selling of General Insurance, CASA, Foreign Exchange, fixed deposits and Credit cards
RM - Business Loan
Capital First Ltd.
02.2011 - 05.2014
- Managed a team of 5 people including MTs and Sales Officers
- Managed DST team for PL for sourcing through open market
- Managed DSA Vertical for Business Loan
- Achieving monthly targets on product mix, customer acquisition & other plan parameters
- Meet & exceed profitability & revenue targets
- Forging excellent relationships with key channel partners & clients
- Strict control on costs & ensuring that costs are kept well below the specified budgets
- Ensure that the region achieves collection targets and is well within defined trigger levels
Sales Manager - Education Loan
HDFC BANK LTD.
06.2007 - 02.2011
- Generating business through direct sales team / branches & other alternate channels
- Handling corporate accounts like Genpact / WNS / HCL who promote education at work
- Reporting of more than 10 Sales Executives
- Empanelling of new educational consultants and sourcing business from them
- Built sustainable revenue generating customer base for CASA, FOREX and FD book size
- Controlling fraud management
- Reading & analysing the financial documents of the clients and based on the past financial growth and drafting the proposal within the company policy
- Conceiving, developing and executing marketing campaigns and other activities for acquiring new customers and enhancing the relationship value of existing customers
- Cross selling of General Insurance, CASA, Foreign Exchange, fixed deposits and Credit cards
Education
MBA - Finance and Marketing
Mahatma Gandhi University
BHM& CT - undefined
Ram Institute of Hotel Management and catering Technology
Class 12th -
Class 10th - undefined
Skills
Team Leadership
Human resources management
Innovation and creativity
Operations management
Team Leadership
Personal Information
Date of Birth: 11/14/82
Timeline
Regional Head (Gold Loan)
ICICI BANK LTD.
07.2021 - Current
Area Sales Manager (Corporate Credit Cards and Gold Loan)
HDFC BANK LTD.
04.2019 - 07.2021
Cluster Head Sales (Business Loan and LACR)
Neo Growth Credit Pvt Ltd.
12.2018 - 04.2019
Cluster Sales Leader-Business
YES BANK LTD
06.2017 - 12.2018
Relatioship Manager - SME & Machinery Loans
Reliance Capital
01.2017 - 06.2017
Branch Manager
HDB Financial Services
05.2016 - 11.2016
Sales Manager -Gold Loan
INDUSIND BANK LTD.
05.2014 - 05.2016
RM - Business Loan
Capital First Ltd.
02.2011 - 05.2014
Sales Manager - Education Loan
HDFC BANK LTD.
06.2007 - 02.2011
BHM& CT - undefined
Ram Institute of Hotel Management and catering Technology
Class 10th - undefined
MBA - Finance and Marketing
Mahatma Gandhi University