BANKING SALES & SERVICE
Manish Kumar
Banker
Gaya
Summary
Accomplished SME Relationship Manager with HDFC Bank, excelling in portfolio management and credit assessment. Enhanced client relationships and exceeded revenue targets through strategic cross-selling and market analysis. Proven ability to manage complex customer issues, demonstrating exceptional time management and communication skills. Consistently improved loan portfolio quality, achieving a 20% increase in market penetration.
Overview
12
12
years of professional experience
1
1
Certification
2
2
Languages
Work History
SME Relationship Manager
HDFC Bank
09.2022 - Current
- To identify new business opportunities, conduct customer outreach programs with the SME product basket.
- To achieve set targets in terms of revenue and volume. Strong sales and relationship management skills.
- Deepening relationships with existing and potential SME clients.
- Cross-selling of ancillary business to existing, as well as new, SME customers.
- Creating account plans for SME borrowers, along with opportunity income analysis.
- To identify market pulse and analyze competitor activities.
- To communicate key and relevant information regarding the client and MSME portfolio to higher authorities from time to time.
- To manage account receivables and resolve the collection of long outstanding debts.
- Supporting Relationship Managers NTB/Branch for the smooth onboarding of fresh MSME business.
- To negotiate deals with the ability to interact with people at various levels of the organization, and the outside environment.
- Ability to identify key issues in complex problems and assignments, and analyze those to make effective decisions.
- To assess the financial statement (i.e., PAT, loss, rating, etc.)
- Ability to conduct preliminary due diligence.
- Any other work assigned from time to time.
Relationship Manager, Business Loan Group
ICICI Bank
04.2020 - 08.2022
- Cultivated long-lasting relationships with key stakeholders, including referral partners, bankers, and underwriters.
- Contributed to the overall success of the Business Loan Group by consistently meeting or exceeding performance targets.
- Improved loan portfolio quality through diligent risk assessment and ongoing monitoring of clients'' financial health.
- Expanded market penetration with targeted marketing strategies aimed at reaching underserved businesses in need of financing options.
Branch Manager
ICICI Bank
04.2019 - 03.2020
- 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.
Deputy Branch Manager
ICICI Bank
06.2017 - 03.2019
- Managed daily operations to ensure smooth functioning of the branch and timely completion of tasks.
- Conducted regular audits of branch operations to identify areas for improvement and implement corrective actions.
- Acted as interim Branch Manager during vacations or absences from work; providing seamless leadership continuity without sacrificing operational efficiency.
- Enhanced branch efficiency by streamlining internal processes and implementing staff training programs.
Customer Service Manager
ICICI Bank
05.2014 - 05.2017
- Managed complex customer issues effectively, navigating multiple internal resources to identify and implement the best possible solutions.
- Resolved customer complaints while prioritizing customer satisfaction and loyalty.
- Developed strong relationships with key clients, ensuring their needs were met consistently and promptly.
- Facilitated clear communication between departments, ensuring seamless resolution of customer concerns in a timely manner.
Education
MBA - Banking And Finance
Dept. of Banking Technology
Puducherry, India 04.2001 -
MBA - Banking And Finance
Dept. of Banking Technology
Puducherry, India 04.2001 -
Bachelor of Computer Applications - Computer Application
Gaya College
Gaya, India 04.2001 -
Intermediate Certificate - Physics, Chemistry, Biology, Math Etc.
S D College
Gaya, India 04.2001 -
Matric - General Studies
Gautam Budh High School
Jehanabad 04.2001 -
Skills
Portfolio management
Credit assessment
Customer service
Time management
Certification
IRDA
Interests
Listening songs
Depends on mood
Timeline
IRDA
08-2025
SME Relationship Manager
HDFC Bank
09.2022 - Current
Relationship Manager, Business Loan Group
ICICI Bank
04.2020 - 08.2022
Branch Manager
ICICI Bank
04.2019 - 03.2020
Deputy Branch Manager
ICICI Bank
06.2017 - 03.2019
Customer Service Manager
ICICI Bank
05.2014 - 05.2017
MBA - Banking And Finance
Dept. of Banking Technology
04.2001 -
MBA - Banking And Finance
Dept. of Banking Technology
04.2001 -
Bachelor of Computer Applications - Computer Application
Gaya College
04.2001 -
Intermediate Certificate - Physics, Chemistry, Biology, Math Etc.
S D College
04.2001 -
Matric - General Studies
Gautam Budh High School
04.2001 -