Summary
Overview
Work History
Education
Skills
Timeline
Generic
Sandeep Chhabra

Sandeep Chhabra

Hauzkhas

Summary

Corporate Banker with 26 years of experience in relationship management and client acquisition in the SME sector, achieving significant portfolio growth and profitability. Expertise in leading diverse teams to enhance client relationships and deliver customized financial solutions. Skilled in navigating complex financial environments, ensuring compliance, and managing risks while maintaining portfolio health. Recognized for high productivity, effective communication, and innovative strategies that drive client satisfaction and sales targets.

Overview

25
25
years of professional experience

Work History

Zonal Head -FIG

ICICI Bank
01.2025 - Current
  • Cultivated strategic partnerships with Scheduled Commercial Banks, Primary Dealers, and Asset Reconstruction Companies (ARCs).
  • Drove portfolio growth by leveraging tailored financial solutions, including debt instruments and trade finance.
  • Collaborated with internal Legal and Risk teams to create innovative financial products.
  • Enhanced profitability through treasury solutions and transaction banking services.

Regional Head- Business Banking

ICICI Bank
04.2021 - 12.2024
  • Sourced and managed clients in Delhi NCR with turnovers up to Rs750 crore, driving regional business growth.

Zonal Head- Mid Corporate

ICICI Bank
07.2019 - 03.2021
  • Identified and onboarded clients across the Rest of North (RON) and NCR, with turnovers ranging from Rs 2.5 billion to Rs 7.5 billion, driving regional business growth.
  • Spearheaded rapid portfolio growth, doubling NCR’s book within a year and increasing RON’s book by 40%.

State Head

ICICI Bank
08.2008 - 06.2019
  • Sourced and managed clients across Delhi, UP, and Uttarakhand with turnovers up to Rs5.0bn, expanding relationships through credit exposure and cross-selling products like salary accounts and Trade Online.
  • Led a team of Regional Heads and Sales Managers to achieve Fee, NII, and book growth targets, ensuring strategic portfolio expansion.
  • Identified and managed stress cases, executing exit strategies or restructuring to mitigate risks and maintain portfolio health.

Regional Head-Business Loans

ICICI Bank
11.2005 - 08.2008
  • Smart Business Loans (SBL) - SBL is an unsecured working capital facility in the form of a Overdraft for SMEs. I was associated with this product since its inception and have actively participated in drafting the product's policies and processes.
  • Delivering Sales targets and portfolio profitability for the region through a team of 15 Sales Managers and 3 Area Heads.
  • Building various channels of delivery such as CPA, Branches, DSAs. Liaison with internal groups like Elite Trade Group, Business Banking Group and Retail Cross Sell team for cross selling SBL to their existing customers.
  • Undertaking Marketing activities to increase penetration and widen customer base.
  • Preparation of CAMs (Preparation of the loan proposal based on Financials, Cash flow analysis and Market references), taking approvals from risk and follow up till disbursements.
  • Ensuring compliance with Bank's internal guidelines and related directives.
  • Managing portfolio delinquency and ensuring delinquency levels were restricted within the stipulated norms.
  • Training of new team members and upgrading skills of existing members on industry trends, Compliance related issues.
  • Achieved the magical figure of 100 sanctions of SBL within 2 months of launch.
  • In the year 2006-07 Delhi achieved the highest Fee pan country. Delhi earned a Fee of USD 1.8mn. Region's fee was on an average above 30% of the total fee earned pan country.
  • Delhi had the highest per Sales Manager and the highest per Relationship Executive productivity across country.
  • Designed a 'Joining Manual' with the help of product team for new joinees which provided an overview of the structure of the Bank, introduction on Small and medium Enterprises and features of SBL.
  • Undertook marketing activities like presentations to various market associations, combined ads with channel partners, Van activity etc at low cost to the bank.
  • Had set up the first Central processing Agency in Delhi where files were processed and CAM was prepared.
  • With the help of collections team ensured the region delinquencies remains within stipulated norms. 90dpd for Delhi is around 0.5%.

Regional Head-Instruction Cards

ICICI Bank
09.2004 - 10.2005
  • Managed sales and utilization of Instruction Cards across North India, achieving a book size of USD 2.0 million within six months.

Sales Manager-Acquisitions

Citigroup
02.2004 - 06.2004
  • Sourcing Current and Savings Bank Accounts for four branches of Citibank through a team of 125 executives.

Relationship Manager

Citigroup
04.2000 - 01.2004
  • Sales of Auto loans through a network of Manufacturer Dealers and Direct selling agents.

Education

PGDBM - Marketing & Finance

FORE School of Management
New Delhi
01.2000

Skills

  • Financial analysis
  • Portfolio management
  • Risk assessment
  • Regulatory compliance
  • Client relationship management
  • Strategic planning

Timeline

Zonal Head -FIG

ICICI Bank
01.2025 - Current

Regional Head- Business Banking

ICICI Bank
04.2021 - 12.2024

Zonal Head- Mid Corporate

ICICI Bank
07.2019 - 03.2021

State Head

ICICI Bank
08.2008 - 06.2019

Regional Head-Business Loans

ICICI Bank
11.2005 - 08.2008

Regional Head-Instruction Cards

ICICI Bank
09.2004 - 10.2005

Sales Manager-Acquisitions

Citigroup
02.2004 - 06.2004

Relationship Manager

Citigroup
04.2000 - 01.2004

PGDBM - Marketing & Finance

FORE School of Management

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Sandeep Chhabra