Hi, I’m
MONICA JARAL
Mumbai
Summary
Senior banking professional with 18+ years of experience across relationship management, branch leadership, portfolio growth, and client governance within leading private and international banks. Proven track record of building and managing high-value Priority, Imperia, HNI, and NRI portfolios, leading RM teams, driving revenue growth, and maintaining strong risk and compliance discipline. Recognized for consistent performance delivery, audit-safe execution, and client retention.
Overview
18
years of professional experience
Work History
Standard Chartered Bank
Relationship Manager / Client Services Lead
06.2024 - 08.2025
Job overview
- Managed HNI and NRI client portfolios with responsibility for revenue retention, client engagement, and service quality.
- Conducted regular portfolio reviews and supported investment and product discussions in coordination with specialists.
- Resolved high-impact client escalations, strengthening trust and long-term relationships.
- Ensured 100% adherence to KYC, AML, and internal compliance standards.
HDFC Bank
AVP, Imperia Relationship Management
08.2022 - 06.2024
Job overview
- Managed Imperia client portfolios with focus on asset growth, cross-sell, and retention.
- Supported achievement of branch-level revenue and portfolio targets through structured client engagement.
- Partnered with branch, operations, and product teams to deliver seamless client experiences.
- Maintained audit-safe sales and onboarding processes.
Axis Bank
AVP, Branch Relationship Head
04.2021 - 09.2022
Job overview
- Headed relationship management for Priority and affluent segments at branch level.
- Led RM teams, monitored targets, and drove portfolio performance.
- Played a key role in stabilizing portfolios during transitions and staff movements.
- Ensured adherence to risk, audit, and compliance requirements.
Axis Bank
Senior Manager, NRI Banking
08.2018 - 04.2021
Job overview
- Managed a diversified NRI client base across geographies, handling remittances, investments, and end-to-end relationship management.
- Delivered investment advisory and portfolio management across Mutual Funds, PMS, Life & General Insurance, aligned to client risk profiles.
- Drove client acquisition, book deepening, and revenue growth through structured engagement and trust-based advisory.
- Maintained strong KYC, AML, and regulatory compliance, ensuring audit-safe execution across NRI portfolios.
Axis Bank
Senior Manager, Branch Operations Head
07.2011 - 07.2018
Job overview
- Managed branch operations while supporting relationship teams with onboarding, servicing, and risk controls.
- Enabled smooth coordination between sales and operations, reducing client service issues.
- Handled audits, regulatory inspections, and client escalations effectively.
Axis Bank
Assistant Manager / CSO
07.2007 - 06.2011
Job overview
- Supported relationship managers with account opening, documentation, and client servicing.
Education
Guru Nanak College
Bachelor of Commerce
01.2003
University Overview
Welingkar Institute
PG Diploma from E-Business Management
02.2026
University Overview
Pursuing
Skills
- Relationship Management
- Client Acquisition
- Priority Banking
- Affluent Banking
- HNI Banking
- NRI Banking
- Portfolio Growth
- Revenue Management
- RM Team Leadership
- Performance Monitoring
- Client Retention
- Cross-Sell Strategy
- Risk Governance
- Compliance Governance
- KYC Governance
- Audit Readiness
- Regulatory Adherence
Accomplishments
Accomplishments
- Managed and serviced Priority / Imperia / HNI client portfolios with sustained retention and revenue continuity across multiple roles.
- Led and supported RM teams, contributing to improved portfolio performance, cross-sell penetration, and client engagement.
- Successfully handled client escalations and complex service issues, resulting in improved satisfaction and relationship longevity.
- Maintained strong audit and compliance records across roles, with no major adverse findings impacting business continuity.
- Recognized by management for operational discipline, client handling capability, and leadership reliability.
Achievements And Awards
Achievements And Awards
- Qualified in Trailblazer Campaign in Life Insurance Campaign, 2025-01-01
- Gun and Glory Campaign qualified for top performance in Life Insurance pan west region being No. 1 Relationship Manager, 2024-08-01 to 2024-10-31
- Qualified as top operations manager in Step-up Campaign Pan India, 2014-01-01
- Qualified for MDRT Campaign for trip to South Korea, 2023-08-01
- Qualified for local MDRT campaign for FY 2021-2022, 2021-01-01 to 2022-12-31
- Qualified for NRI Home Coming Campaign twice in the FY 2021-22, 2021-01-01 to 2022-12-31
- Awarded the Star Performing RM in book deepening for bringing in 1000 Crs funds, 2023-01-01
- Qualified for Axis Direct Online Demat campaign, 2021-01-01 to 2022-12-31
- Adjudged as the best NRI RM pan-India 2nd position, 2021-01-01
- Promoted to Senior RM team leader position based on outstanding performance, 2021-01-01 to 2022-12-31
- Qualified Steup-Up contest for Branch Operations Manager in 2014 Pan India contest, 2014-01-01
Personal Information
Personal Information
Title: Relationship Management Head – Priority & Affluent BankingTimeline
Relationship Manager / Client Services Lead
Standard Chartered Bank
06.2024 - 08.2025
AVP, Imperia Relationship Management
HDFC Bank
08.2022 - 06.2024
AVP, Branch Relationship Head
Axis Bank
04.2021 - 09.2022
Senior Manager, NRI Banking
Axis Bank
08.2018 - 04.2021
Senior Manager, Branch Operations Head
Axis Bank
07.2011 - 07.2018
Assistant Manager / CSO
Axis Bank
07.2007 - 06.2011
Guru Nanak College
Bachelor of Commerce
Welingkar Institute
PG Diploma from E-Business Management