MANOJ BHATNAGAR
Delhi
Summary
Dynamic professional with over 17 years of diverse experience in sales, business development, client servicing, and team management, dedicated to driving significant growth through optimal resource utilization. Currently serving as Regional Business Manager – Mortgages at Saraswat Bank, leveraging a Post Graduate Diploma in Business Management from NIMT Institute of Management Technology, Ghaziabad. Proven expertise in strategic planning and market execution, complemented by strong skills in staffing and targeted marketing. Fosters a collaborative team environment that enhances profitability. Recognized for exceptional communication and relationship management abilities, consistently adapting to changing market conditions while achieving business objectives through effective problem-solving and operational improvements.
Overview
16
16
years of professional experience
2
2
Certifications
1
1
Language
Work History
Regional Business Manager – Mortgages
Saraswat Bank
08.2024 - Current
- Started mortgage vertical in Delhi NCR.
- Responsible for the entire business activity in Delhi, NCR.
- Mortgage policy, process, DSA payout, and RM incentive maker of the CCBG vertical of the bank.
- The bank has given responsibility to establish a mortgage vertical in Delhi NCR.
- Initially hired the entire sales, operations, and a few credit personnel.
- Part of the executive group of the bank to execute strategies for business enhancement.
- Developed an inaugural incentive performance plan, motivating staff.
- Implemented data-driven decision making to monitor KPIs, adjust tactics, and achieve ambitious sales targets.
- Leveraged knowledge of local markets effectively positioning our products against competitors.
- Expanded the regional market share with targeted customer acquisition strategies and strategic partnerships.
- Established effective communication channels between management and staff to ensure alignment on corporate objectives.
- Managed a high-performing team of sales representatives, providing coaching, training, and performance evaluations.
Area Sales Manager- Sales in Mortgages
Axis Bank Ltd
03.2023 - 08.2024
- Managing a team of seven sales managers and thirty executives for products: loan against property, dropline overdraft, lease rental discounting, and commercial/industrial purchase business through more than fifty branches and DSA.
- Managed a successful sales team, consistently achieving and exceeding monthly sales targets.
- Expanded market share through effective prospecting, lead generation, and negotiation skills.
Area Sales Manager- Sales in Mortgages
Yes Bank Ltd
04.2021 - 03.2023
- Managing a team of five sales managers and twenty-five executives for products: loan against property, dropline overdraft, lease rental discounting, and commercial/industrial purchase business through more than fifty branches and DSA.
- Established strong relationships with major accounts and key decision-makers to increase sales in designated territory.
- Managed a successful sales team, consistently achieving and exceeding monthly sales targets.
Senior Manager and Relationship Leader
Yes Bank Ltd
01.2019 - 03.2021
- Managing loan against property, dropline overdraft, lease rental discounting, and commercial purchase business through branches and DSA.
- Established strong relationships with clients and stakeholders, ensuring long-term partnerships and repeat business.
Sales Manager – Mortgages
Kotak Mahindra Bank Limited
08.2016 - 12.2018
- Managing loans against property, dropline overdrafts, lease rental discounting, and commercial and industrial purchase business through 30 Kotak Mahindra Bank branches.
- Increased sales revenue by developing and implementing effective sales strategies.
- Handled customer relations issues, enabling quick resolution, and client satisfaction.
Relationship Manager
ING Visya Bank Limited
09.2014 - 07.2016
- Managing loan against property, dropline overdraft, lease rental discounting, and commercial and industrial purchase business through DSAs.
Deputy Manager and Asset Desk Manager
HDFC Bank Ltd
04.2012 - 03.2014
- Handled 11 retail assets product of a particular branch.
Assistant Manager and Asset Desk Manager
HDFC Bank Ltd
06.2010 - 03.2012
- Handled 11 retail assets product of a particular branch.
Education
Bachelor of Science - Science
University of Delhi
Delhi, India07-2005
Skills
Finnacle, BCIF, CORE, Finware, Host, Finnone, CRM Next, LOS, LOS Imaging, Surround System, Lotus Notes, I Notes, Laser Soft- SME
Certification
Yellow Belt Six Sigma course by HDFC Bank Course name is Lean and Six Sigma Methodology.
Accomplishments
- Pan India No. 1 RBM for Business from April 2025 to Till date.
- Pan India No. 1 RBM for Insurance Business from April 2025 to Till date.
- In Top 10 ASM list for consecutive Last 6 Month.
- Achieved 200% of yearly target in 2021-22.
- Achieved 250% of yearly target in 2020-21.
- Achieved 166% of yearly target till Dec 2018.
- Achieved 130% of yearly target in 2017-18.
- Achieved 112% of yearly target in 2016-17.
- Set a benchmark for ever highest disbursement through branch ASM in Feb 2022.
- Ranked No. 1 RM PAN INDIA in the month of May 2016 and June 2016.
- Ranked in top 5 ADM’s in north zone for Gold loan contest.
- In Hdfc Bank Adarsh Nagar Branch Achieved yearly target across All Products, total Achievement was 147% in 2012-2013.
- In Hdfc Bank Adarsh Nagar Branch Achieved yearly target across all the products total Achievement was 150% in 2011-12.
- In Hdfc Bank Adarsh Nagar Branch Achieving 113% of Branch Target Assets Target 2010-11.
Extra-Curricular Activity
NCC ‘B’ certificate from 1 Delhi Naval Unit.
Timeline
Regional Business Manager – Mortgages
Saraswat Bank
08.2024 - Current
Area Sales Manager- Sales in Mortgages
Axis Bank Ltd
03.2023 - 08.2024
Area Sales Manager- Sales in Mortgages
Yes Bank Ltd
04.2021 - 03.2023
Senior Manager and Relationship Leader
Yes Bank Ltd
01.2019 - 03.2021
Sales Manager – Mortgages
Kotak Mahindra Bank Limited
08.2016 - 12.2018
Relationship Manager
ING Visya Bank Limited
09.2014 - 07.2016
Deputy Manager and Asset Desk Manager
HDFC Bank Ltd
04.2012 - 03.2014
Assistant Manager and Asset Desk Manager
HDFC Bank Ltd
06.2010 - 03.2012
Bachelor of Science - Science
University of Delhi