LOVIKA BAJAJ
Mba finance
Delhi,Delhi
Overview
18
18
years of professional experience
1
1
Language
Work History
HDFC Bank Ltd
New Delhi
09.2022 - Current
Senior Sales Officer
01.2007 - 01.2008
Business Support Coordinator
01.2008 - 01.2009
Business Development Manager
01.2009 - 01.2010
- Classification - Public
- Classification - Public (Managed a team of 6 - 8 people)
Manager
01.2010 - 01.2012
- Personal Loans (Nominated in Top 10 Club Pan India; awarded for completing 3 years with the group as Loyalty Award; received the highest rating for consistent Performance Throughout)
Relationship Manager
01.2012 - 01.2016
- (Awarded Best
Senior Relationship Manager
01.2016 - 01.2019
Team Manager
Premium Banking
01.2019 - 01.2021
- (Managing 45 people in Assets across PAN India) based in Mumbai
Associate Director
01.2021 - 01.2022
Assistant Vice President
HDFC BANK
01.2022 - Current
- Result Areas:
- Spearheading entire functions of acquiring, developing and maintaining an existing portfolio of clients and achieving maximum revenue within acceptable risk profile requirements
- Developing competency in team for implementing strategies towards enhancing business volumes, setting up processes and increasing profitability
- Analyzing that new acquired accounts are active & ensuring billed business target is achieved
- Emerging forecasts, financial objectives and business plans; assessing the local market conditions to identify current & prospective sales opportunities
- Providing advisory services to corporate & high net-worth customers on funds management, identifying potential payment defaults, servicing & monitoring the customers different requirements
- Addressing the financial requirements, designing & creating structured notes, evaluating risk return, constraints as well as the horizon
- Generating profitability through investment business as well as planning activities so as to achieve the targets
- Analyzing new financial products and making purchasing recommendations
- Determining client needs and offering customized solutions
- Engaged in onboarding new corporate relations for different banking needs
- Sourcing new relationships from corporates for employees’ accounts
- Maintaining excellent professional relations with clients to generate avenues for additional business & apprising about the statutory & regulatory aspect of the FEMA, RBI for Internal Trade & Finance operations
- Ensuring that the client’s requirements are satisfactorily met with high service standards, building relationships with SME & large corporate through effective client servicing
- Monitoring performance of the client’s financial performance & consistently steering for an opportunity to expand wallet share of the customer base
- Adding value to business by building opportunities tocross-sell products entailing treasury solutions, liabilities, debt capital marketsolutions, syndications,corporate advisory, investment banking,corporate finance
- Mapping client’s requirements and ensuring delivery of effective solutions inline with the guidelines specified by the clients
- Identifying improvement areas & implementing measures to maximize customer satisfaction levels
- Trackingcompetitor activities and providing valuable inputs for fine sales tuning & marketing strategies; facilitating product improvement initiatives.
Education
MBA - Finance
Amity University
2016
B.A. - History
Delhi University
2007
Skills
- Customer Relationship Management
- New Customer Acquisition/ Retention
- Portfolio Management
- Statutory Compliance
- Retail & Commercial Banking
- Product Management
- Banking Operations
- P&L Management
- Team Management
- Education
- Work Experience
- A multi-faceted professional with expertise in understanding operational &
- Frontline nature of Asset and Sales job and prioritizing various tasks &
- Deliverables as required by customers & management, aiming for senior level
- Assignments in MNC large Corporates Lending with an organization of repute
- Location Preference: Delhi / NCR
- Profile Summary
- Strategic leader offering over 15 years of experience in Relationship
- Management, Team Handling, sales strategy planning & formulation across
- Banking domain
- Proven success in developing new streams for revenue growth and maintaining
- Relationships with customers to achieve repeat / referral business from them
- Capable of building a very strong & robust department, penetrating and
- Retaining the client base by focusing on commercial products, strategizing long
- Short-term directions through periodic progress reviews of all team
- Members and focusing on customer base through offering various corporate
- Banking products, solutions & services
- Awarded Best Relationship Manager in Assets year-on-year
- Experience of managing total Book Size of INR 400 Crores including INR 250
- Crores Assets and INR 150 CroresLiabilities
- Product handling in Letter of Credit, Packing Credit Loan in Foreign Currency
- Bank Guarantee and Overdraft against Fixed Deposits
- Competency in developing procedures for need assessment of assets and
- Acquisition management, prepared operational and disposal plans
- Adept in Asset Management: managing diversified asset performance which
- Involves assessing portfolio risk & return drivers, researching client behavior &
- Market activities, and developing long term/short term strategies for clients
- Skilledinproviding in-depthanalysis of markets, industry trends,competitors,and
- Clients to improve strategic planning & decision-making
- Leading, mentoring & monitoring the performance of the team members to ensure
- Efficiency in process operations and meeting of individual & group targets
- Skilled in identifying prospective opinion leaders & key accounts and generating
- Business from the existing clientele to achieve business targets
- Strong analytical, interpersonal skills with the capabilities to grasp new concepts
- Quickly and utilize the same in a productive manner; capabilities to perform under
- Pressure and within strict deadlines
- Financial Management
Accomplishments
- Seminars for Risk Management, Insurance Planning, Investment, Tax, Retirement Planning with Employee Benefits organized by ICFP
- Certificate in Large and Medium Corporate Lending by Crisil
- Pursuing Finance for Non-Finance Executives Training by KPMG
- Personal Details
- Address: B- 59, 2nd Floor, Derawal Nagar, New Delhi – 110009
Work Preference
Work Type
Full TimeTimeline
HDFC Bank Ltd
09.2022 - Current
Assistant Vice President
HDFC BANK
01.2022 - Current
Associate Director
01.2021 - 01.2022
Team Manager
Premium Banking
01.2019 - 01.2021
Senior Relationship Manager
01.2016 - 01.2019
Relationship Manager
01.2012 - 01.2016
Manager
01.2010 - 01.2012
Business Development Manager
01.2009 - 01.2010
Business Support Coordinator
01.2008 - 01.2009
Senior Sales Officer
01.2007 - 01.2008
MBA - Finance
Amity University
B.A. - History
Delhi University
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