Ritika Dhingra
Delhi
Summary
Dynamic banking professional with extensive experience at HSBC Bank, excelling in customer relationship management and financial advising. Proven track record in portfolio management and cross-selling strategies, enhancing client satisfaction and driving revenue growth. Adept at leading teams and solving complex financial challenges to deliver tailored investment solutions.
Overview
1
1
Certification
8
8
years of professional experience
Work History
Sr. Universal Banker
HSBC Bank
Noida
03.2025 - Current
- Conducted comprehensive financial need analysis for customers and provided tailored investment solutions.
- Promoted for delivering exceptional customer relationship management and achieving consistent performance.
- Led daily branch operations while mentoring new joiners on core banking processes to enhance team competency.
Universal Banker
HSBC Bank
Noida
11.2023 - 03.2025
- Assisted clients with banking queries, resolved issues, and provided personalized financial advice to enhance customer satisfaction.
- Guided clients on diverse products, including savings accounts, credit cards, loans, and insurance to meet their financial needs.
Deputy Manager
HDFC Bank
Central Delhi
01.2022 - 11.2023
- Managed diverse portfolio of HNW and retail clients, delivering tailored end-to-end banking solutions to meet financial goals.
- Drove cross-selling of banking and investment products, including savings accounts, fixed deposits, mutual funds, insurance, and credit products, to enhance client value.
- Ensured compliance with KYC, AML, and regulatory guidelines during onboarding and transaction processing to mitigate risks.
Associate Manager
Kotak Life Insurance
Delhi
11.2019 - 12.2021
- Identified and analyzed customer needs to enhance cross-selling and upselling opportunities.
- Supported branch staff in converting investment leads, contributing to overall sales goals.
- Trained new employees as Management Trainee to ensure effective onboarding and integration.
Associate Branch Relationship Manager
Aditya Birla Sunlife Insurance
Delhi
04.2018 - 10.2019
- Managed client relationships and supported team in developing sales strategies based on thorough competition analysis.
- Oversaw all phases of sales cycle from prospecting to closing, providing follow-up support to ensure client satisfaction.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Addressed customer queries, conducted market analysis and competitor valuation to identify innovative sales enhancement opportunities.
Education
PG DIPLOMA - Finance
IMT Ghaziabad
07-2018
Skills
- Customer Relationship Management
- Financial advising
- Credit assessment
- KYC procedures
- Portfolio management
- Investment Banking
- Financial analysis
- Upselling strategies
- Team leadership
- Problem Solving
Certification
- Certified Investment Banking Operations Professional, 2023
- NISM - VA (Mutual Funds), 2022
- IRDA
Timeline
Sr. Universal Banker
HSBC Bank
03.2025 - Current
Universal Banker
HSBC Bank
11.2023 - 03.2025
Deputy Manager
HDFC Bank
01.2022 - 11.2023
Associate Manager
Kotak Life Insurance
11.2019 - 12.2021
Associate Branch Relationship Manager
Aditya Birla Sunlife Insurance
04.2018 - 10.2019
PG DIPLOMA - Finance
IMT Ghaziabad