SAURABH KAPALE

Key Responsibilities:

• Client Acquisition and Relationship Management:Develop and manage a portfolio of high-value clients.
  Build and maintain long-term relationships with existing clients.
  Proactively identify opportunities to expand relationships with existing customers.
  Cross-sell various banking products such as savings accounts, fixed deposits, loans, insurance, and investment products.
  Provide personalized financial solutions and advisory services tailored to client needs.
  
• Sales and Business Development:Achieve sales targets for various products offered by the bank (loans, cards, deposits, etc.).
  Drive revenue through new client acquisition, increasing business from existing clients, and achieving individual sales targets.
  Manage the sales process from lead generation to post-sales support.
  
• Customer Service and Support:Ensure the highest levels of service and customer satisfaction.
  Handle customer queries, complaints, and issues effectively.
  Coordinate with internal teams to provide seamless service to customers.
  
• Compliance and Documentation:Ensure proper documentation for all financial products sold and follow up with clients to ensure timely completion.
  Adhere to all regulatory and compliance guidelines laid out by the bank.
  
• Market and Product Knowledge:Keep abreast of market trends, industry developments, and competitor offerings.
  Stay updated with product offerings of HDFC Bank and provide expert advice to clients.
  
• Relationship Networking:Leverage professional networks and build relationships with key industry stakeholders, partners, and clients.
  Participate in customer events, meetings, and networking opportunities.
  
• Cross-Functional Coordination:Collaborate with other departments like credit, operations, and branch management to meet client requirements and address any issues.
  

• Sales Target Achievement: Drive the sales of HeroFinCorp's financial products by setting and achieving individual and team targets for loan disbursements, revenue generation, and customer acquisition.
• Lead Generation & Business Development: Identify and engage potential customers, generate new business opportunities, and expand the customer base. This includes maintaining relationships with existing clients and forging new partnerships.
• Team Leadership & Management: Lead a team of sales executives, providing them with guidance, training, and motivation to achieve sales targets. Conduct regular performance reviews and ensure alignment with company objectives.
• Customer Relationship Management: Build and maintain strong relationships with customers by understanding their needs, offering tailored financial solutions, and providing exceptional post-sales support.
• Market Research & Strategy: Monitor market trends, competitor activities, and customer feedback to identify business opportunities and adapt strategies. Collaborate with the marketing team to develop targeted campaigns.
• Reporting & Analysis: Track and report sales performance, customer data, and market insights to senior management. Use analytics to adjust sales strategies and improve overall performance.
• Compliance & Documentation: Ensure all sales processes are compliant with legal and regulatory requirements. Oversee the accurate completion of loan documentation and customer verification.
• Collaboration with Other Departments: Work closely with credit, risk, and operations teams to ensure smooth loan disbursement processes and high-quality service delivery.

• Maximize sales ,Personal Loan, Credit Card, Salary Account, corporate tie up and Insurance.
• Build effective relationship with clients to retain and develop sustainable relationship.
• Maintain a deep understating and technical knowledge of relevant products and services available from group sources and elsewhere in order to provide the best solutions for clients.
• Complete regular reviews with clients to understand their current and long term needs and advise them on the products and services that help them to achieve their goals.
• Manage operational risk by identifying risk situations and take any appropriate action to minimize the risk.
• Demonstrate an understanding of PEP acceptance, Prohibition, CDD & EDD guidelines in order to ensure that the HSBC bank India WPB is fully compliant with the PEP.
• Be aware and identify high risk indicators for various products and services offered by HSBC BANK India WPB example Cash, insurance, credit Card products etc.
• Be aware of AML risk posed by pouch and mail, Monetary instruments, cash services and wire transfers services and should undergo the mandatory training for the same.
• Worked under collection department of bank from August 2020 To June 2021 offered settlement, moratorium, help customers to get over form their financial cries at the time