Hi, I’m
RICHA JHA
Noida
Summary
Dynamic Relationship Manager with a proven track record at HDFC Bank, excelling in commercial card portfolio management and corporate onboarding. adept at fostering strong internal relationships, I drive business growth while ensuring compliance and enhancing client satisfaction. Committed to continuous learning and achieving market leadership.
Overview
6
years of professional experience
Work History
HDFC Bank Ltd Noida
Relationship Manager-Rural Banking Group
01.2025 - Current
Job overview
- New customer onboarding for working capital as well as farmer funding with the support of internal teams and existing banking relationship.
- TPP business onboarding with the existing client.
- Analyzed competitors and market trends to facilitate business growth.
- Developed and maintained strong relationships with clients to ensure satisfaction and loyalty.
- Participated in networking events and industry conferences to attract new clients.
HDFC BankMumbai
Key Account Manager – Commercial Cards
01.2022 - 12.2024
Job overview
- New Corporate on-boarding for commercial cards with the support of internal teams & existing banking relationship.
- Work cohesively with various internal stakeholders such as ELC, IGB, WBG, LCG, TBG, SEB, MIB teams to explore new opportunities in corporates for commercial cards setup.
- Product penetration in internal relationships.
- Scope new avenues for commercial cards.
- Manage Portfolio of Corporates for the Bank to fetch their 100% T/E & Non T/E business spends on commercial card platform and achieve market leadership across the Commercial Cards Business.
- Increase the volumes in the portfolio corporates and achieve spends volume targets.
- Track & Monitor the segment-wise achievement and visit the portfolio corporates to ensure relationship enhancement.
- Manage commercial cards business at a portfolio level.
- Track corporate renewals & ensure zero delinquencies.
- Ensure tracking/upgrade of corporate credit lines, payments, limit outstanding, spends, cards activation delays, knock offs & compliance adherence.
- Review corporate-wise, segment wise business & profitability for increasing the T/E & Non T/E wallet share.
- Manage CAM / Agreement / Renewal for corporates during onboarding.
- Close coordinated work with commercial card product team, service delivery team & collections team within the bank.
ICICI BankMumbai
Relationship Manager – Payment Solutions
07.2019 - 01.2022
Job overview
- Handling prepaid card product sales directly as a part of KRA along with cross sell focus of other products.
- Acquire new corporate relationships for INR Prepaid Cards.
- Ensure INR Prepaid Cards business generation through allocated branches.
- Maintain internal relationships with various key stakeholders like Salary Team, Corporate Credit card, TASC Team, WBG , GBG, Transaction Banking Team for support in driving INR Prepaid cards.
- Conduct regular branch and client visits and resolve customer queries.
- Retain existing clients and enhancement of INR Prepaid cards.
- Ensure Compliance to Internal & External Guidelines on Payment Solutions.
- Enhance corporate relations and seek referrals for generation of incremental business.
- Manage the team(DST) and maintain their productivity.
- Responsible for giving the adequate market feedback to RHS/RH for ensuring that the product is always in line with market expectations.
- One point of contact for the territory assigned.
Education
Manipal Academy of Higher Education
PGDB
01.2019
Jamshedpur Women’s College
B.Sc. IT from Bachelor of Science in Information Technology – 72%
01.2017
University Overview
GPA: 72%
Jamshedpur Graduate CollegeJamshedpur, Jharkhand
HSC
01.2014
Punjab Girls Higher Secondary SchoolJamshedpur, Jharkhand
SSC
01.2011
Skills
- JAVA
- C
- MS-office
- MS-Excel
- PowerPoint
- Willingness to learn
- Positive attitude
- Dedicated
Personal Information
- Date of Birth: 05/11/96
- Marital Status: Single
Additional Qualifications
- AMFI CERTIFIED
- IRDA CERTIFIED
- NISM CERTIFIED
- Familiar with JAVA core operating system and C++.
- Working with MS-office.
- Good command on MS-Excel & PowerPoint.
ACHIEVEMENTS
*Received 6 times Sales Oscar awards for business performance in FY 2022-23 HDFC Bank Ltd
*Received Gold award for business performance HDFC Bank Ltd
*Received Silver award for business performance HDFC Bank Ltd
*Achieved BH inner circle GOA contest for insurance performance in HDFC Bank Ltd
*Received Oscar award for cross sell performance in FY 23-24 in HDFC Bank Ltd
*Received sales performance award In ICICI Bank Ltd in FY 2020-21.
Timeline
Relationship Manager-Rural Banking Group
HDFC Bank Ltd
01.2025 - Current
Key Account Manager – Commercial Cards
HDFC Bank
01.2022 - 12.2024
Relationship Manager – Payment Solutions
ICICI Bank
07.2019 - 01.2022
Manipal Academy of Higher Education
PGDB
Jamshedpur Women’s College
B.Sc. IT from Bachelor of Science in Information Technology – 72%
Jamshedpur Graduate College
HSC
Punjab Girls Higher Secondary School
SSC
Similar Profiles
KAMALA SUBRAMANIANKAMALA SUBRAMANIAN
Senior Vice President and Unit Head at HDFC Bank Limited, HDFC BankSenior Vice President and Unit Head at HDFC Bank Limited, HDFC Bank
Jignesh PatelJignesh Patel
Relationship Manager at HDFC Sales Pvt. Ltd. (Group Company Of HDFC Bank)Relationship Manager at HDFC Sales Pvt. Ltd. (Group Company Of HDFC Bank)
Prodip SahaProdip Saha
Collection Officer at HDFC Bank, Bajaj Finance, Axis Bank, IDFC BankCollection Officer at HDFC Bank, Bajaj Finance, Axis Bank, IDFC Bank
Tushar SahaTushar Saha
Relationship Manager at HDFC BANK LtdRelationship Manager at HDFC BANK Ltd
Pinky AhlawatPinky Ahlawat
HR Administrative Assistant at LINTL Clothing Pvt. Ltd.HR Administrative Assistant at LINTL Clothing Pvt. Ltd.