Work Preference
Summary
Overview
Work History
Education
Skills
Notable Attainments
Timeline
Generic
Open To Work

RAMAN BADHWAR

Gurgaon

Work Preference

Job Search Status

Open to work
Desired start date: Open to discussion

Desired Job Title

Regional Business ManagerZonal Sales Manager

Work Type

Full Time

Location Preference

On-SiteRemote
Location: Gurgaon, IndiaNew Delhi, DLDelhi, DL
Open to relocation: Yes

Important To Me

Career advancementWork-life balanceCompany CulturePersonal development programs

Summary

Dynamic regional business manager with extensive experience at ICICI HFC, Kotak Mahindra Bank and Citi Bank. Proven ability to drive significant loan disbursements while improving customer satisfaction through consultative sales and digital transformation. Expertise in team management and business development, consistently delivering results in competitive markets.

Overview

14
14
years of professional experience

Work History

Regional Business Manager

ICICI HFC
Gurgaon
09.2025 - Current
  • Executed effective sales strategies to achieve monthly and quarterly business targets while enhancing customer acquisition and retention.
  • Drove digital transformation initiatives that improved platform adoption for customers and internal stakeholders.
  • Oversaw a team of 25+, mentoring members to exceed performance metrics in sales and collections.
  • Spearheaded hiring and training programs aimed at developing a high-performing workforce.
  • Ensured compliance with legal regulations applicable at state and regional level.
  • Monitored productivity by setting performance benchmarks for ASMs, BSMs, and SMS, facilitating daily assessments.
  • Analyzed market trends to identify training needs for sales staff, delivering insights to senior management.
  • Engaged with operations and credit teams to optimize processes for improved profitability across locations.
  • Secured prime loans up to 25 crore and affordable/near-prime loans starting from INR 20.
  • Monitored competitors' activities in order to gain competitive advantage in the market.
  • Held regular one-on-one meetings with employees to review performance and priorities and provide feedback.

Area Sales Manager (AVP)

Kotak Mahindra Bank
Gurgaon
10.2022 - 09.2025
  • Implementing strategies that improved sanction ratios while minimizing rejections, resulting in increased loan disbursements and customer satisfaction.
  • Facilitated onboarding of new clients through tailored banking programs, efficiently managed loan applications up to ₹100 Crore.
  • Developing and maintaining strong relationships with online channel partners to ensure timely and accurate brokerage payments, fostering long-term business collaborations.
  • Identified and capitalized on cross-selling opportunities during mortgage closures, contributing to revenue growth.
  • Providing customized loan structuring solutions based on individual customer requirements, ensuring optimal financial outcomes and satisfaction.
  • Championing the adoption of Digi Loans, expanding access to small-ticket loans for existing customers, improving service offerings and customer retention.
  • Developed sales strategies to enhance customer engagement and drive revenue.
  • Managed a team of sales representatives to achieve regional targets and objectives.
  • Monitored sales team performance and provided effective training to help each reach targets.
  • Coordinated team training sessions to improve product knowledge and sales techniques.

Relationship Manager

Kotak Mahindra Bank Ltd.
New Delhi
05.2015 - 10.2022
  • Fostered strong client relationships through regular communication and personalized service.
  • Managed client portfolios to ensure satisfaction and retention
  • On boarding of new channel partners for business expansion
  • Regular review of OTC/PDD submission
  • Avg disbursal of 12 cr monthly
  • Resolved client inquiries promptly, ensuring a smooth banking experience at all times.
  • Built long-term relationships with lucrative clients by utilizing active listening, effective communication and dynamic interpersonal skills.
  • Managed daily operations including scheduling appointments, coordinating meetings and preparing agendas.
  • Conducted regular client meetings to assess progress, discuss opportunities for growth, and address any concerns.
  • Provided ongoing support throughout the sales cycle by responding promptly to inquiries, resolving issues, and following up on requests in a timely manner.
  • Resolved escalated customer issues efficiently and effectively within established timelines.

Sr. Associate - Affluent Segment (Mortgages)

CITIBANK N.A
Mumbai
08.2012 - 04.2015
  • Collaborated closely with the Citi Gold and CPC teams to achieve targets across various products, including home loans and loans against property.
  • Sourced a range of financial products such as mortgages, credit cards, personal loans, and CASA (Current Account, Savings Account) through branch banking channels and internal networks.
  • Conducted training sessions for channel partners and their teams to enhance business productivity and ensure alignment with organizational goals.

Business Development Executive

IIFL LTD
Mumbai
01.2012 - 07.2012
  • Acquired equity and debt portfolio customers, strengthening market presence.
  • Performed timely portfolio churning, optimizing asset performance.
  • Executed cold calls for PMS services, increasing client engagement.

Education

Post Graduate Program in Executive Leadership - Finance

SCMLD
Pune
05-2011

B.Com. -

Patiala University, Bikram College of Commerce
Patiala
04-2009

Skills

  • Business Development
  • Consultative Sales
  • Account Management
  • Channel Management
  • Service-Based Sales
  • Digital Transformation
  • Strategic Vision
  • Business Strategy
  • Financial Acumen
  • Operational Leadership
  • Team Management
  • Result Oriented
  • ROI Accountability

Notable Attainments

  • Successfully handled ticket sizes of up to ₹75 crore, consistently driving substantial revenue.
  • Achieved a monthly average business volume exceeding ₹40 cr
  • Achieved qualification for the prestigious DARE Contest FY22-23.
  • Successfully qualified for the Q2 and Q3 FY 23-24 KGI Contest
  • Delivered exceptional performance with a YTD achievement of 130%, resulting in disbursement of over ₹375 Crore in FY23-24.
  • Achieved a 73% login-to-sanction ratio, reflecting a strong conversion of leads into sanctioned loans.
  • Maintained an impressive 93% sanction-to-disbursal ratio, ensuring high efficiency in loan disbursement.
  • Exceeded targets with 200% achievement in Q4 2021 and 150% achievement of the annual target, demonstrating exceptional performance and goal attainment.
  • Won the Dare Insurance Contest in Q4 2021, showcasing excellence in product knowledge and sales.
  • Attained 150% achievement in AY 2020, surpassing set targets and contributing significantly to business growth.
  • Received the Client Appreciation Award, recognizing outstanding customer service and satisfaction.
  • Honored as the Best Affluent Segment Banker in May 2014, underscoring expertise in managing high-net-worth clients.
  • Ranked as the Top Performer in India for Mortgage Bookings, with a total of ₹15 crores in mortgage bookings in May 2014.

Timeline

Regional Business Manager

ICICI HFC
09.2025 - Current

Area Sales Manager (AVP)

Kotak Mahindra Bank
10.2022 - 09.2025

Relationship Manager

Kotak Mahindra Bank Ltd.
05.2015 - 10.2022

Sr. Associate - Affluent Segment (Mortgages)

CITIBANK N.A
08.2012 - 04.2015

Business Development Executive

IIFL LTD
01.2012 - 07.2012

Post Graduate Program in Executive Leadership - Finance

SCMLD

B.Com. -

Patiala University, Bikram College of Commerce

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