Summary
Overview
Work History
Education
Skills
Affiliations
Timeline
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Payal Kulkarni

Pune

Summary

Experienced Relationship Manager with a demonstrated history of working in the Banking and Finance industry. Skilled in Customer Service, Business Development, Marketing Strategy, and Public Speaking. Strategically minded Professional with success in Cross-Sell, Portfolio Profitability and Thorough Bank Lending Policy. Responsible for account profitability and building relationship capital thereby ensuring balanced growth in Portfolio. Loves Cooking, Reading and Dogs !!

Overview

6
6
years of professional experience

Work History

Senior Relationship Manager

IDFC First Bank Ltd
Pune
08.2022 - Current
  • Interacting with clients to understand their business requirements and preparing a CAM using the clients financial data.
  • Creating awareness of product and identifying key clients to generate business.
  • Working with operations and other internal stakeholders to drive loan application success rates and improve efficiency.
  • Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control.
  • First point of contact for all banking requirements of Mid Corporate Clients (WC loans)
  • Working alongside branches in a particular cluster to generate business, obtain leads and disburse loans within the specific TAT.
  • Key Products being fund and non-fund-based products like Cash Credit, Overdraft facility, Term loan, Letter of Credit, WC Demand Loan, LCBD, Bank Guarantee, GML, PCFC, WCTL Etc.

WC Portfolio Relationship Manager

Kotak Mahindra Bank Ltd
Pune
04.2019 - 08.2022
  • Responsible for maintaining healthy relationships Existing clients and various Local Business Groups, Market Leaders, Business Associations.
  • Responsible for timely Renewals and Enhancements of clients limits by accessing various Risk and Opportunities involved.
  • Collaborated with internal teams to develop strategies that would increase customer engagement levels.
  • Ensuring smooth Sanction to Disbursement in liaison with Customer and Risk and Operations Team
  • Conducted regular client meetings to assess progress, discuss opportunities for growth, and address any concerns.

Cluster Manager

Aditya Birla Sunlife Insurance
Pune
04.2018 - 04.2019
  • Responsible for motivating team members to achieve business development goal laid by the organization
  • Responsible to the Business growth in the assigned cluster, included travelling to branches in different cities to develop business with corporate partners (HDFC)
  • Responsible to Training the HDFC staff as well as Team members about the products and sales pitches.
  • Developed and maintained strong relationships with key stakeholders in the cluster.

Education

M.B.A. -

PUMBA College (Savitribai Phule Pune Uni)
01.2017

B Com -

Bhonsala Military College, Nashik
01.2014

Skills

  • Market Research
  • Portfolio Management
  • Customer Engagement
  • Business Relationship Management
  • Requirements Building
  • Product Roadmaps
  • Requirements Gathering
  • Critical Thinking
  • Negotiation

Affiliations

  • Loves Learning new Language ( Learning Sanskrit and Spanish , Level B1.1 Completed )
  • Avid Reader (Self-Help, Autobiography, Psychological )
  • Extremely passionate about Animal Welfare, Associated with Karma Foundation.

Timeline

Senior Relationship Manager

IDFC First Bank Ltd
08.2022 - Current

WC Portfolio Relationship Manager

Kotak Mahindra Bank Ltd
04.2019 - 08.2022

Cluster Manager

Aditya Birla Sunlife Insurance
04.2018 - 04.2019

M.B.A. -

PUMBA College (Savitribai Phule Pune Uni)

B Com -

Bhonsala Military College, Nashik

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Payal Kulkarni