Narendra Sharma
Branch Relationship Head
Gurugram,HR
Summary
Dynamic and result oriented banking professional with 15 years of expertise in branch banking, relationship management, team leadership and Proven ability to handle end-to-end branch sales & operations, business growth, compliance, and customer service driving profitability and service excellence. Leading entire branch as I have been entrusted with the responsibility of managing complete branch functions in the absence of BM and Ops Head, demonstrating strong ownership, decision-making, and people management skills and proven ability to lead high-performing RM teams, Sales team and operations team, responsible to grow CASATD, and manage multi-million portfolios across assets, liabilities, trade and forex. Recognized on country level multiple times driving business growth, ensuring compliance, and delivering exceptional client experience.
Overview
15
15
years of professional experience
1
1
Certification
Work History
BRANCH RELATIONSHIP HEAD
YES BANK LTD
09.2024 - Current
- Managing the Branch team & Relationship Managers team and day to day operations of the branch including customer service, sales and employee engagement, manage branch-level revenue targets, driving liability growth, HNI portfolio expansion, and cross-sell of investment, insurance, and loan products.
- Develop and implement strategies to achieve branch target and goals and strategize and execute business plans aligned with regional objectives to boost CASA, fee income, and product penetration.
- Monitor and analyse branch performance, area of improvement and take corrective actions, manage and grow high-value customer portfolios through personalized engagement, financial planning, and proactive relationship deepening.
- Ensure compliance with all banking regulations and internal policies and procedures and handle customer complaints and resolve in a timely and professional manner.
- Conduct regular portfolio reviews, identify cross-selling opportunities, and ensure high wallet share and client retention.
- Build and maintain strong relationships with the customers, promoting the bank’s products and services, contributing to the development and implementation of strategic plans to achieve business objectives and revenue targets.
- To ensure value enhancement of branch portfolio through liability growth, AUM transfer, customer group level plan for achieving sales and income targets set across all products and other parameters such as customer to group, income product holding, tfx income generation and sales into portfolio of the existing customers.
- To ensure New to Bank customers are added regularly to increase the book size of the branch and cross sale various products of the bank -liability & assets products as well as third party products.
Sr. Relationship Manager- (Team Lead)
INDUSIND BANK LTD
07.2020 - 09.2024
- Responsible for achieving overall products targets and mentor and coach sales team of Relationship Officers wherein we are responsible for acquisition TD, high value current a/c, trade & forex oriented current accounts, book growth through high value NTBs and Trade& forex business accounts and incremental deepening in existing portfolio of the bank and keen focus on revenue generation through forex income, cross sale, third party products e.g., Insurance, Investments, assets products etc. and responsible to generate Income from high value Credit cards, Debit Cards, CC-OD limits, business loan, Life Insurance, Health Insurance, Group health Insurance, Motor Insurance LAP, Home loan, and DC upgrades on existing cards.
- Responsible for deepening the existing relationships by cross selling of Bank’s products and services/third party investment products e.g., Mutual Fund, Life Insurance, General Insurance, Demat a/c etc.
- Responsible To achieve Income from numerous sources and buy selling Income products e.g., Trade Forex, Auto Loan, Personal Loans Commercial Vehicle Loan, Business Banking, Insurance, Consumer Loan, Mutual Funds, Current A/c Term Deposit etc.
- Regular monitoring on portfolio movement wherein I take care about Enhancement, Incremental and New Customers and Analysing business trends and providing regular input to the CASA.
BRANCH RELATIONSHIP MANAGER
KOTAK MAHINDRA BANK LTD
12.2018 - 06.2020
- Develop and maintain strong relationships with customers in order to provide excellent customer service.
- Assist customers with banking operations and provide guidance on banking policies and regulations.
- Identify new business opportunities and develop strategies to capture them.
- Develop and implement customer service initiatives aimed at improving customer satisfaction.
- Monitor customer feedback and address any issues or concerns in a timely manner.
- Stay up-to-date with industry developments and changes in regulations.
- Work cooperatively with other departments and partners to ensure customer needs are met.
- Handle customer inquiries and complaints with professionalism and empathy.
- Prepare reports and maintain accurate records of customer interactions.
PRIORITY RELATIONSHIP MANAGER
AXIS BANK LTD
11.2017 - 11.2018
- Single point relationship management official of the Bank to handle portfolio for the high-net-worth customers in the Priority Banking Segment of Bank.
- Primarily responsible for providing financial solutions to the Priority customers and for increasing liabilities size of relationship via incremental balances in accounts of existing customers and enhancing customer profitability by capturing larger share of wallet.
- Responsible for deepening the existing relationships by cross selling of Bank's products and Services/ third party investment products also enhances the book through new customer acquisitions and involved in increasing customer engagement through other non investment products like Forex, Remittances, Loans, etc. to the new and existing customers.
- Responsible for periodically reviews the existing relationships of all the customers from liability as well as cross holding perspective and also ensures that the customers are sufficiently educated/ leveraged on the best financial solutions.
- Responsible to updates Bank's internal systems like the Daily activity tracker - DAT, Customer Profiling etc.
PREFERRED RELATIONSHIP MANAGER
HDFC BANK LTD
06.2016 - 10.2017
- Managed acquisition, enhancement, and retention of HNW/Preferred clients, ensuring HDFC Bank remained their primary banker.
- Grew liabilities and wallet share by cross-selling banking, investment, insurance, and asset products to clients and their family groups.
- Ensured portfolio profitability through structured sales, IPGH (Income Product Holding) targets, and Customer-to-Group (CTG) ratio management.
- Delivered superior customer service by proactively addressing needs, resolving complaints within TAT, and promoting digital banking channels.
- Maintained portfolio hygiene and compliance by ensuring error-free documentation, KYC/AML adherence, and audit readiness.
- Consistently achieved monthly and yearly revenue targets through deep relationship management, referrals, and product penetration.
SALES OFFICER- CASA
ICICI BANK LTD
12.2010 - 09.2013
- Acquired new-to-bank high-value Current and Savings Accounts (CASA) through field sales, referrals, and lead generation and drove customer acquisition campaigns in assigned geography, achieving 100%+ monthly CASA targets.
- Identifying potential customers for liability products through referrals from group companies and business associates like dealers, vendors etc. of portfolio customers.
- Efficiently resolving client queries & providing excellent services resulting in 100% client retention, led efforts to activate new trade transactions with the existing customers and generating business by bringing in new customers.
- FPR for working capital products for branch.
Education
MBA - Finance
Sikkim Manipal University
12.2012
PG DIPLOMA - Fine Arts
Rajasthan University
12.2006
Bachelor of Arts -
MDU University
12.2005
Class XII -
Board of Haryana
12.2002
Class X -
Board of Rajasthan
12.2000
Skills
- Team management skills
- Motivation and team building
- Strategic thought processes
- Sales growth initiatives
- Decisive decision making
- Delegation techniques
- Management of relationships
- Oversight of portfolios
- Planning for client coverage
- Branch operational compliance
- Engagement with customers
- Regulatory adherence strategies
- Planning and executing strategy
Certification
- AMFI (Association of Mutual Funds in India) Certified
- IRDA (Insurance Regulatory and Development Authority) Certified
Awards
- Grand Master Wealth Maestro Award twice from Country head, TPD head & MD CEO of YES Securities for exceptional fee generation through wealth products.
- Platinum Club Winner – League of Extraordinaire (Third Party Distribution) Awarded by the Country Head for generating the highest revenue through Life Insurance and Wealth Products.
- Qualified PAR Life Insurance Drive – Awarded with special Trophy signed & Recognition by Indian cricket team captain Rohit Sharma for achieved business excellence in life insurance sales during the PAR Drive.
- Club Grande Champion – Think Grand-Think Club Grande Award Awarded by Country Head and ED for exceptional performance in Crorepati Club for acquiring high variant NTB customers and achieving outstanding M0 performance.
- Qualified Wealth Maestro 7.O – Awarded by the Country Head of YES Bank, Business Head – TPD, and the MD & CEO of YES Securities for exceptional fee income generation through wealth products.
- Statue Of Stardom - Awarded from Zonal Head for exceptional Fee generation through TPD products.
- Elite Circle of Champions - Awarded by Country head & ED for exemplary performance in 1 Cr. NTBs Club.
Personal Information
Date of Birth: 03/08/84
Timeline
BRANCH RELATIONSHIP HEAD
YES BANK LTD
09.2024 - Current
Sr. Relationship Manager- (Team Lead)
INDUSIND BANK LTD
07.2020 - 09.2024
BRANCH RELATIONSHIP MANAGER
KOTAK MAHINDRA BANK LTD
12.2018 - 06.2020
PRIORITY RELATIONSHIP MANAGER
AXIS BANK LTD
11.2017 - 11.2018
PREFERRED RELATIONSHIP MANAGER
HDFC BANK LTD
06.2016 - 10.2017
SALES OFFICER- CASA
ICICI BANK LTD
12.2010 - 09.2013
MBA - Finance
Sikkim Manipal University
PG DIPLOMA - Fine Arts
Rajasthan University
Bachelor of Arts -
MDU University
Class XII -
Board of Haryana
Class X -
Board of Rajasthan