NILOTPAL MEDHI
SALES AND MARKETING
Guwahati
Summary
Results-driven banking professional with extensive experience in retail branch operations, phone banking, and relationship management across leading institutions including HDFC Bank, SBI Cards, Axis Bank, and ICICI Bank. Expertise in leading high-performing sales teams of 35 executives, driving revenue growth through consultative selling of insurance products, credit cards, and CASA accounts, while ensuring strict compliance with KYC, AML, and regulatory guidelines. Proven leader in customer service, fraud investigation, market penetration strategies, and MIS data analysis, consistently achieving top performance metrics including MDRT Winner (2x), Regional Life Insurance Champion, and CEO Certificate for Extraordinary FY 20-21 Results. Certified in leadership mentoring, success habits, financial planning (CFP Introduction), and consultative selling techniques, dedicated to fostering client relationships and operational excellence in dynamic financial environments.
Overview
8
8
years of professional experience
5
5
Certifications
Work History
SENIOR CAM
HDFC LIFE (BANCASSURANCE)
10.2023 - Current
- Manage daily operations within the HDFC Bank Banca Channel, overseeing client onboarding, compliance processes, and cross-functional team coordination to support seamless banking services.
- Conduct comprehensive Know Your Customer (KYC) verifications for new and existing clients, ensuring adherence to regulatory guidelines and minimizing compliance risks.
- Verify and collect customer identification documents, along with supporting information, to build accurate, up-to-date client profiles and facilitate efficient account management.
- Implement and enforce Anti-Money Laundering (AML) policies and procedures, proactively mitigating financial risks while maintaining strict compliance with applicable laws and regulations.
- Sell tailored insurance products to prospective customers, leveraging consultative selling techniques to expand client portfolios and achieve sales targets.
- Manage Management Information System (MIS) data, including data entry, analysis, and reporting to provide actionable insights for operational improvements.
- Collaborate with cross-functional teams to develop and execute innovative market entry strategies, identifying opportunities for growth in untapped segments.
- Prepare and deliver customized business proposals to a diverse range of clients, negotiating terms to secure partnerships and drive revenue generation.
UNIT MANAGER
SBI CARDS
01.2022 - 09.2023
- Lead and mentor a high-performing Salesforce team of 35 sales executives, providing coaching, performance evaluations, and strategic guidance to optimize productivity and achieve revenue goals.
- Oversee operational workflows and deliver proactive customer service to existing clients, resolving inquiries, addressing concerns, and enhancing satisfaction to foster long-term loyalty.
- Conduct meticulous hygiene checks and compliance reviews for credit card approvals, ensuring all applications meet regulatory standards and internal risk thresholds.
- Maintain comprehensive, organized records of customer information, KYC documentation, and due diligence reports, utilizing digital systems for accuracy, accessibility, and audit readiness.
- Drive credit card sales initiatives targeting new customers, employing targeted outreach, product demonstrations, and relationship-building strategies to meet acquisition targets.
- Manage Management Information System (MIS) data, performing routine updates, analysis, and reporting to support data-driven decision-making and operational efficiency.
- Collaborate with cross-functional teams to devise and implement innovative market expansion strategies, analyzing trends and opportunities to penetrate new customer segments.
- Develop and present tailored business proposals to a diverse clientele, customizing solutions to address specific needs and negotiating agreements to secure high-value partnerships.
DEPUTY MANAGER
AXIS BANK
02.2019 - 01.2022
- Delivered comprehensive retail branch banking services, managing daily transactions, account maintenance, and branch operations to ensure efficient and customer-centric experiences.
- Provided exceptional support to existing bank customers, handling inquiries, resolving issues, and offering personalized financial advice to enhance satisfaction and retention.
- Promoted and sold a full suite of retail banking products, including loans, deposits, and digital solutions, to both existing clients and prospective market leads, driving portfolio growth and revenue.
- Prepared and analyzed monthly marketing and sales reports, tracking performance metrics, identifying trends, and recommending strategies to optimize outreach and conversion rates.
- Specialized in selling Current Account Savings Account (CASA) products and insurance solutions, utilizing targeted pitches and needs assessments to meet sales quotas and deepen customer relationships.
- Spearheaded new market penetration initiatives and upselling campaigns for emerging products, conducting market research, executing targeted promotions, and achieving measurable increases in customer acquisition and cross-sell ratios.
PB OFFICER
ICICI BANK
11.2017 - 12.2018
- Managed phone banking operations, delivering inbound customer support services to resolve banking queries efficiently and maintain high service standards.
- Handled inquiries from PAN India customers on various banking matters, providing clear guidance on accounts, transactions, and product features to ensure satisfaction.
- Investigated customer disputes and suspected fraud cases with meticulous attention to detail, conducting in-depth reviews to facilitate fair resolutions and safeguard assets.
- Monitored transactions for regulatory compliance, identifying discrepancies and escalating issues to supervisors for prompt corrective action and risk mitigation.
- Oversaw the credit card section, managing activations, limit adjustments, billing disputes, and related services to support seamless customer experiences.
- Delivered rapid and accurate resolutions to customer concerns, minimizing response times and enhancing overall service quality metrics.
- Identified cross-selling opportunities during query handling, promoting relevant banking products to drive additional revenue and strengthen customer relationships.
Education
Bachelor of Commerce - Management
GUWAHATI UNIVERSITY
GUWAHATI 04.2001 -
HS -
GURUKUL GRAMMAR SENIOR SECONDARY SCHOOL
GUWAHATI 04.2001 -
HSLC -
S.B.O.A PUBLIC SCHOOL
GUWAHATI 04.2001 -
Skills
Sales & Leadership: Led 35 executive teams to MDRT (2x) wins via consultative selling of credit cards, insurance, and CASA products
Customer Service: Delivered PAN India support, resolving queries and cross-selling to enhance retention and revenue
Compliance & Risk: Executed KYC/AML checks, fraud investigations, and transaction monitoring for regulatory adherence
Financial Sales: Promoted retail products (loans, deposits, digital) with upselling to exceed targets
Data & Reporting: Managed MIS, analyzed sales metrics, and generated monthly reports for strategic insights
Market Strategy: Developed penetration plans, market research, and customized proposals for diversified clients
Mentoring: Certified coach in team development, motivation, and performance optimization
Financial Planning: CFP foundational knowledge in risk assessment and client advisory
Consultative Selling: Active listening and value persuasion to boost sales engagement
Operations: Optimized workflows in branch/phone/relationship units for efficient, high-volume service
Accomplishments
- Million Dollar Round Table (MDRT) Winner (2x), recognizing top-tier performance in life insurance sales and client advisory, achieved through consistent high-volume production and ethical practices.
- Regional Life Insurance Champion Club Winner, honored for outstanding contributions to life insurance sales growth and market leadership within the designated region.
- Certificate from MD/CEO of Axis Bank for Extraordinary Performance in FY 20-21, awarded for exceptional revenue generation, team leadership, and operational excellence during a challenging fiscal year.
- Certificate from Sales Head of Axis Bank for Highest Sales in Entire East Region at Cluster General Insurance Race, celebrated for dominating regional sales targets and driving significant market share in general insurance products.
- Certificate for Highest Sales in January-February-March (JFM) Quarter from Sales Head of HDFC Life, recognized for surpassing quarterly benchmarks and leading in life insurance product distribution.
Certification
Being a Good Mentor - LinkedIn Learning
Timeline
Being a Good Mentor - LinkedIn Learning
09-2025
Success Habits - Linkedln Learning
09-2025
Leadership Stories: 5 Minute Lessons in Leading People - LinkedIn Learning
09-2025
Introduction to Financial Planning – CFP Certification - Udemy Learning
09-2024
Selling More by Talking Less - Udemy Learning
09-2024
SENIOR CAM
HDFC LIFE (BANCASSURANCE)
10.2023 - Current
UNIT MANAGER
SBI CARDS
01.2022 - 09.2023
DEPUTY MANAGER
AXIS BANK
02.2019 - 01.2022
PB OFFICER
ICICI BANK
11.2017 - 12.2018
Bachelor of Commerce - Management
GUWAHATI UNIVERSITY
04.2001 -
HS -
GURUKUL GRAMMAR SENIOR SECONDARY SCHOOL
04.2001 -
HSLC -
S.B.O.A PUBLIC SCHOOL
04.2001 -