PRIYANKA BHATTAD
Pune
Summary
Results-driven banking professional with over 10 years in retail banking, focusing on relationship management and customer portfolio growth. Managed significant portfolios and consistently exceeded sales targets through consultative selling. Recognized with international awards, including MDRT qualifications and BBH Inner Circle distinction.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Manager, Retail Branch banking
HDFC BANK LTD
Pune
10.2022 - Current
- Drove branch revenue growth by acquiring new customers, deepening relationships, and cross-selling multiple products.
- Drove liability growth through strategic customer acquisition, account upgrades (Classic to Preferred to Imperia), and deposit mobilization campaigns.
- Executed asset product sales for personal loans, home loans, auto loans, credit cards, and overdraft facilities through consultative selling tailored to customer needs.
- Lead comprehensive retail banking operations managing diverse customer portfolio of ₹125 Cr across savings accounts, current accounts, fixed deposits, loans, insurance, and investment products.
- Implemented customer lifecycle management strategies resulting in improved customer retention rates, portfolio stability, and relationship depth.
- Consistently exceeded quarterly and annual revenue targets across liability products (savings, current accounts, FDs), asset products (loans, credit cards), and third-party products (insurance, mutual funds, demat accounts).
- Drove aggressive cross-selling initiatives achieving 3-4 products per customer through systematic needs analysis, relationship deepening, and solution-based selling.
- Generated branch revenue through bancassurance sales (life and general insurance), mutual fund investments, locker rentals, forex services, and enhanced digital banking adoption.
- Ensured strict adherence to KYC, AML, and regulatory compliance standards across all customer onboarding, account operations, and transaction processing.
- Implemented risk mitigation frameworks for loan processing, fraud prevention, suspicious transaction monitoring, and customer grievance resolution.
- Maintained comprehensive documentation and audit trails in accordance with RBI guidelines, internal policies, and audit requirements.
- Collaborated with branch operations team, credit team, and service quality teams to enhance customer experience.
- Achieve recognition as PLP (Performance linked pay) qualified in all quarters since joining, demonstrating sustained excellence in sales performance metrics.
Senior Executive, Bancassurance
INDIAFIRST LIFE INSURANCE
NAGPUR
05.2019 - 10.2022
- Achieved 300% of assigned sales targets consistently through strategic client engagement, needs-based selling, and comprehensive financial product advisory.
- Managed bancassurance operations across multiple Bank of Baroda branches, fostering collaborative relationships with branch managers and banking staff to enhance service delivery.
- Developed strategic partnerships with Bank of Baroda network, resulting in exceptional sales performance and earning international recognition.
- Generated substantial premium revenue through systematic lead generation, pipeline management, and conversion optimization.
- Provided comprehensive financial planning and insurance advisory services to retail and HNI clients, ensuring suitability and regulatory compliance.
- Designed and implemented training programs for banking staff on insurance products and regulatory requirements, improving consultative selling techniques.
- Conducted detailed needs analysis, risk profiling, and solution design for life insurance, term plans, ULIPs, and pension products.
Business Development Manager
FUTURE GENERALI LIFE INSURANCE CO LTD
NAGPUR
11.2018 - 05.2019
- Directed a sales team of 15 executives focusing on business development and customer acquisition.
- Cultivated strategic partnerships with key stakeholders to expand business opportunities.
- Conducted market research to effectively identify trends and customer needs.
- Presented product offerings to clients, clearly showcasing unique value propositions.
Assistant Manager
ASTUTE ORGANIZATION - APPCO INDIA PVT LTD
nagpur
06.2015 - 11.2018
- Led recruitment, onboarding, training, and performance management of 17-member sales and marketing team to enhance team effectiveness.
- Coached team strategically and implemented performance management systems to consistently meet performance targets.
- Developed and delivered sales training programs focused on consultative selling and customer relationship building to improve sales skills.
- Advanced through three roles: business associate, trainer, and assistant manager within 3.5 years.
Education
Bachelor of Engineering (B.E.) - Civil Engineering
GOVT COLLEGE OF ENGINEERING
CHANDRAPUR01-2015
Skills
- Retail Banking Operations
- Branch Banking Excellence
- Retail Banking Products
- Liability & Asset Products
- Asset Products
- Deposit mobilization
- Cross-Selling & Product Penetration
- Client Financial Solutions
- Retail Investment Solutions
- Insurance Product Management
- KYC & AML Compliance
- Regulatory Compliance & Risk Mitigation
- Compliance Frameworks
- Digital Banking Innovations
- Core Banking Systems
- Customer Relationship Management
- Revenue Growth & Target Achievement
- Business Development
- Sales management
- Acquisition and retention
- Territory & Market Development
- Performance Analytics
- Service Quality Management
- Customer Experience Excellence
- Customer Service Excellence
- Team Collaboration
- Consultative selling
- Negotiation & Persuasion
- Stakeholder Management
- Problem Resolution
- Problem Resolution
Websites
Certification
• MDRT (Million Dollar Round Table) Qualifier - 2024, 2025
• Life Insurance Council Certification (LIC) - Active
• IRDA Certified Insurance Advisor
• NISM MUTUAL FUND DISTRIBUTORS(SERIES V-A)
• Life Insurance Council Certification (LIC) - Active
• IRDA Certified Insurance Advisor
• NISM MUTUAL FUND DISTRIBUTORS(SERIES V-A)
Accomplishments
Portfolio growth: ₹25 Cr to ₹125 Cr (5x growth in 32 months), Grade promotions within 24 months at HDFC Bank, 200-300% of targets consistently, 3 MDRT qualifications, 2 international trips, 10+ years of progressive BFSI experience, managed teams of up to 17 members.
Personal Information
Date of Birth: 10/28/93
Languages
- Hindi
- Marathi
- English
Timeline
Manager, Retail Branch banking
HDFC BANK LTD
10.2022 - Current
Senior Executive, Bancassurance
INDIAFIRST LIFE INSURANCE
05.2019 - 10.2022
Business Development Manager
FUTURE GENERALI LIFE INSURANCE CO LTD
11.2018 - 05.2019
Assistant Manager
ASTUTE ORGANIZATION - APPCO INDIA PVT LTD
06.2015 - 11.2018
Bachelor of Engineering (B.E.) - Civil Engineering
GOVT COLLEGE OF ENGINEERING