SAURABH AGARWAL
PRIVATE BANKER
MUMBAI,MH
Summary
Deputy Vice President supporting high-net-worth clients through personalized banking, portfolio reviews, and tailored wealth discussions. Aligns investment and estate planning recommendations to client priorities while helping grow assets and strengthen retention. Brings a relationship-focused approach to client development, with attention to trust, responsiveness, and consistent follow-through.
Overview
19
19
years of professional experience
Work History
Deputy Vice President
HDFC Bank
01.2026 - Current
- Grow new client relationships monthly through targeted outreach and referral follow-up.
- Complete 100% of scheduled client review tasks weekly while tracking follow-ups and account updates.
- Advise clients on wealth planning options aligned with goals, liquidity needs, and long-term family priorities.
- Review portfolios regularly and recommend asset allocation changes based on client profiles and market conditions.
- Present investment options clearly and tailor recommendations to client risk tolerance and financial objectives.
- Coordinate service for high-net-worth clients across banking, investment, and cash management needs.
- Share product knowledge with team members to strengthen client conversations and service consistency.
ASSOCIATE DIRECTOR
KOTAK PRIVATE
05.2025 - 01.2026
- Manage and acquire HNW client relationships across personalized banking needs while maintaining high-touch service.
- Build customized wealth plans that align cash management, asset allocation, and estate planning to each client's goals.
- Advise high-net-worth clients on portfolio management and investment strategy through personalized, relationship-based banking support.
- Strengthen client relationships through consistent follow-up, responsive service, and trusted guidance on financial decisions.
- Grow client assets and referrals by identifying cross-selling opportunities and presenting relevant financial products.
- Coach team members on client handling, wealth solutions, and relationship-building practices to improve service consistency.
PRIVATE BANKING RM
AXIS BANK
03.2023 - 05.2025
- Developed customized financial plans covering cash management, investment strategy, and estate planning for high-net-worth clients.
- Managed a private banking portfolio with responsive service, translating client needs into timely advisory recommendations.
- Expanded referral generation by maintaining consistent follow-up and trusted relationships with affluent clients.
- Advised clients on asset allocation and portfolio management decisions aligned with individual goals and risk profiles.
- Cross-sold financial products while preserving a personalized service approach across existing HNW relationships.
CITIGOLD RELATIONSHIP MANAGER
CITIBANK N.A.
07.2022 - 02.2023
- Acquired new Citigold and Citi Private Banking customers to expand the client base and deepen high-value relationships.
- Strengthened existing relationships by aligning customer needs with wealth planning, investment advisory, and portfolio management discussions.
- Drove referral generation through proactive outreach and tailored conversations that positioned Citigold services more effectively.
PRODUCT SPECIALIST - Insurance
CITIBANK N.A.
09.2013 - 06.2022
- Led a team of 10 Relationship Managers across Mumbai region to drive Life and General Insurance sales.
- Drove 25% revenue growth year over year by building branch and regional insurance business plans and sales strategies.
- Delivered premiums above INR 15 Crores and generated revenue of over INR 6 Crores through consistent regional performance.
- Focused on high-value sales to Citigold and Citi Private Banking clients with a net worth of more than INR 5 crores.
AGENCY SALES MANAGER
PNB METLIFE INDIA INSURANCE CO. LTD.
05.2012 - 08.2013
- Developed agent relationships to strengthen distribution support and improve sales consistency.
- Guided clients through policy options, benefits, and suitability considerations during the sales process.
- Maintained accurate records of sales activities, follow-ups, and client communications.
- Coordinated with internal teams to progress proposals, documentation, and policy issuance.
WEALTH RELATIONSHIP MANAGER
ING VYSYA BANK LTD
08.2011 - 03.2012
- Built trusted relationships with affluent clients through regular reviews and responsive financial guidance.
- Recommended investment and asset allocation strategies aligned with client goals, risk tolerance, and liquidity needs.
- Supported onboarding of new high-value clients by gathering profile details and coordinating account setup.
- Identified cross-selling opportunities across deposits, investments, and protection products during client discussions.
MANAGER PRIORITY CIRCLE
ICICI PRUDENTIAL LIFE INSURANCE
06.2008 - 07.2011
- Built trusted relationships with priority clients through regular reviews and responsive financial guidance.
- Identified suitable insurance and investment options based on client goals, risk profiles, and coverage needs.
- Developed tailored wealth planning discussions to support long-term protection and savings objectives.
- Coached team members on client conversations, follow-up discipline, and cross-selling approaches.
MANAGER BRANCH INSURANCE
HDFC BANK
11.2007 - 06.2008
- Advised customers on suitable insurance options based on needs, coverage goals, and available product features.
- Managed branch insurance sales activities and maintained regular follow-up with interested prospects.
- Reviewed application details and supporting documents to reduce processing delays and missing information.
- Built customer relationships by explaining product benefits clearly and responding to insurance-related queries.
Education
Bachelor of Commerce - Commerce
Mumbai University
Mumbai03-2006
C.A. Foundation - Commerce
Institute of Chartered Accountants
Mumbai11-2005
CBSE - Higher Secondary
Chandrabala Modi Academy
Mumbai03-2003
CBSE - Board of Secondary Education
Birla High School
Kolkata03-2001
Skills
HNW client relationship management
Wealth planning
Investment advisory
Portfolio management
Client acquisition
Asset allocation
Cash management
Estate planning
Cross-selling financial products
Referral generation
Team coaching
Timeline
Deputy Vice President
HDFC Bank
01.2026 - Current
ASSOCIATE DIRECTOR
KOTAK PRIVATE
05.2025 - 01.2026
PRIVATE BANKING RM
AXIS BANK
03.2023 - 05.2025
CITIGOLD RELATIONSHIP MANAGER
CITIBANK N.A.
07.2022 - 02.2023
PRODUCT SPECIALIST - Insurance
CITIBANK N.A.
09.2013 - 06.2022
AGENCY SALES MANAGER
PNB METLIFE INDIA INSURANCE CO. LTD.
05.2012 - 08.2013
WEALTH RELATIONSHIP MANAGER
ING VYSYA BANK LTD
08.2011 - 03.2012
MANAGER PRIORITY CIRCLE
ICICI PRUDENTIAL LIFE INSURANCE
06.2008 - 07.2011
MANAGER BRANCH INSURANCE
HDFC BANK
11.2007 - 06.2008
Bachelor of Commerce - Commerce
Mumbai University
C.A. Foundation - Commerce
Institute of Chartered Accountants
CBSE - Higher Secondary
Chandrabala Modi Academy
CBSE - Board of Secondary Education
Birla High School