Laxman Doifode

Assistant Manager (Circle Based Officer)

State Bank of India (SBI), Chh. Sambhajinagar
Dec 2024 – Present

Currently working as an Manager in the HLST Department (Home Loan Sales Team).

Roles & Responsibilities:

• Generate new business through builder tie-ups, channel partners, and open market sourcing.
• Source, evaluate, and process home loan applications as per bank policies.
• Coordinate with HLCs, SSL teams, builders, and internal departments to drive business growth.
• Ensure timely documentation, login, sanction, and disbursement of home loans.
• Achieve and exceed monthly business targets through effective planning and follow-ups.

Key Achievements:
Achieved “Top Performer” recognition 4 times within the network.

Manager.

Ujjivan Small Finance Bank, Ahmednagar, India
Jan 2024 – Oct 2024

Roles & Responsibilities:

• Managed a portfolio of 225+ HNW (High Net Worth) customer groups.
  Achieved monthly income and CASA targets through effective portfolio management.
• Handled retail banking products including deposits, loans, and third-party products.
• Strengthened customer relationships to improve retention and cross-selling opportunities.
• Ensured compliance with bank policies, KYC norms, and audit requirements.

Branch Sales Manager – Deputy Manager.

Axis Bank Ltd.| Ahmednagar, Maharashtra
Jan 2022 – Jan 2024

Roles & Resposnsibilities:

Team Leader – Liability Sales

• Led a team handling end-to-end retail branch banking sales and operations.
• Achieved monthly business targets consistently through effective team management and performance monitoring.
• Drove new business acquisition across CASA, NTB-ETB value, and retail loan products.
• Promoted cross-selling of retail banking, wholesale banking, and third-party products to enhance branch profitability.
• Actively handled customer complaints and service escalations, ensuring high customer satisfaction and retention.
• Mentored and trained team members to improve productivity and sales efficiency.

Branch Banking Operations

• Ensured hygiene and compliance of branch banking operations in line with regulatory and internal guidelines.
• Monitored customer service quality, complaint resolution, and adherence to operational processes.
• Implemented policies and instructions issued by senior management and compliance teams.
• Handled annual internal and external audits with minimal observations.
• Ensured smooth functioning of day-to-day branch operations while maintaining risk and control standards.

Key Achievements

• Achieved 150% of MTD budgets consistently every month.
  Increased branch book size by ₹3 Crore within 2 months through liability product growth.
• Ranked 2nd Top Sales Manager in the Circle for FY 2021–22, recognized as a key performance (KRA) achiever.
  Contributed significantly to branch growth, profitability, and customer base expan.

Personal Banker – Assistant Manager

HDFC Bank Ltd
Ahmednagar, Maharashtra
July 2018 – February 2021.

HDFC Bank Ltd is one of India’s leading private sector banks, with a workforce of over 100,000+ professionals nationwide.

Roles & Responsibilities:

• Managed a portfolio of 225+ High Net-Worth (HNW) customer groups, ensuring relationship deepening and long-term retention.
  Achieved monthly income and business targets through effective portfolio management and customer engagement.
• Drove cross-selling of retail, wholesale banking, and Third-Party Products (TPT) including insurance, mutual funds, and investment solutions.
• Acquired new-to-bank customers through referrals, walk-ins, and targeted outreach programs.
• Delivered excellent customer service by addressing customer complaints, resolving concerns, and ensuring high satisfaction levels.
• Handled branch banking operations, ensuring adherence to internal policies, compliance norms, and regulatory guidelines.
• Maintained operational hygiene including customer service standards, complaint resolution, compliance checks, and audit readiness as per senior management directives.
• Managed and authorized financial transactions such as cash handling, clearing, inward and outward remittances, and transaction processing.
• Served as backup to the Branch Operations Manager, ensuring smooth day-to-day branch functioning in their absence.
• Coordinated and supported annual internal and external audits, ensuring zero major observations.

Key Achievements:

• Delivered 200% Year-on-Year income growth from the assigned portfolio through strategic customer engagement and cross-selling.
  Increased branch book size by 150% through growth in asset and liability products.
• Awarded Top Personal Banker – 2019 based on scorecard performance and overall contribution to branch growth.

Assistant Manager – Retail Branch Banking

Kotak Mahindra Bank Ltd
Apr 2017 – Jul 2018
Ahmednagar, Maharashtra

Kotak Mahindra Bank Ltd is one of India’s fastest-growing private sector banks.

Roles & Responsibilities:

• Managed Retail Branch Banking Sales with a strong focus on customer acquisition and relationship management.
• Drove CASA acquisition (Savings & Current Accounts) through customer engagement, referrals, and field sales activities.
• Cross-sold retail, wholesale banking, and third-party products (TPT) including loans, insurance, mutual funds, and investment products.
  Actively involved in new business development by onboarding NTB (New-to-Bank) customers and deepening existing relationships.
• Handled customer complaints and service requests, ensuring timely resolution and high customer satisfaction.
• Supported branch banking operations, ensuring smooth day-to-day functioning of the branch.
• Maintained operational hygiene by adhering to compliance norms, audit requirements, and internal policies as per senior management guidelines.
• Managed financial transactions and authorizations, including cash transactions, clearing, inward and outward remittances.
• Acted as backup Teller (Cashier), handling cash operations during peak hours or staff shortages.
• Coordinated and supported internal and external audits, ensuring zero major audit observations.
• Ensured strict adherence to KYC, AML, and regulatory guidelines prescribed by the bank and RBI.
• Assisted Branch Head in achieving business targets, operational efficiency, and service quality benchmarks.

Key Achievements:

• Achieved 150% Year-on-Year (YoY) business target, significantly contributing to branch performance.
• Awarded Top AAM (Assistant Acquisition Manager) for FY 2017–18 based on annual target achievement and overall performance.

Branch Sales Officer

HDFC Bank Ltd. | Ahmednagar, Maharashtra
July 2015 – February 2017

HDFC Bank is one of India’s leading private sector banks, with an employee base of over 1 lakh professionals.

Role & Responsibilities:

• Worked in Retail Branch Banking – Sales, focusing on customer acquisition and portfolio growth.
• Actively drove CASA (Current Account & Savings Account) sales to strengthen the branch deposit base.
• Cross-sold a wide range of retail, wholesale banking, and TPT products to existing and new customers.
• Handled new business acquisition through branch walk-ins, referrals, and open market sourcing.
• Closed leads generated by branch staff and relationship managers.
  Generated fresh leads through branch lobby activities and open market canvassing.
• Addressed customer complaints and service-related concerns, ensuring timely resolution and high customer satisfaction.
• Maintained daily DSR (Daily Sales Report) and submitted regular MIS updates to the supervisor.
• Consistently worked towards achieving monthly and YTD sales targets as per business goals.
• Ensured compliance with internal policies and banking guidelines during sales and onboarding processes.

Key Achievements:

• Achieved 250% Year-on-Year (YoY) target, significantly exceeding assigned business goals.
• Awarded Top Branch Sales Officer (BSO) for the year 2016–17 based on annual target achievement and overall performance.
• Recognized for strong customer acquisition skills and consistent contribution to branch revenue growth.