Sumit Malviya
Relationship Manager
Itarsi,MP
Summary
Dynamic sales professional with a proven track record of leading high-performing sales teams and driving substantial revenue growth. Recognized for a strong commitment to team collaboration and delivering exceptional results while maintaining a reliable and adaptable approach to evolving market demands. Expertise in strategic planning, client relationship management, and sales strategy development positions teams for success in competitive environments. Passionate about leveraging innovative solutions to enhance performance and achieve organizational goals.
Overview
11
11
years of professional experience
1
1
Language
Work History
Manager
HDFC BANK Ltd.
09.2022 - Current
- Client Acquisition and Management: Source new clients, including individual farmers, agri-entrepreneurs, food processing units, and large agribusiness corporations. The role requires significant fieldwork and engaging with local communities, farmer associations, and rural markets.
- Financial Product Sales: Promote and sell a range of financial products tailored to the agri-sector, such as crop loans (Kisan Gold Cards), term loans for equipment/infrastructure, working capital facilities, and cross-sell non-credit products like insurance and mutual funds.
- Credit & Risk Assessment: Conduct thorough field investigations and financial analysis to assess the creditworthiness of clients. This includes evaluating crop patterns, expected yields, market trends, and government schemes to ensure loan quality and compliance with regulatory guidelines (e.g., RBI norms).
- Portfolio Management: Monitor the performance and profitability of the assigned client portfolio, track accounts to prevent delinquencies, ensure timely repayments, and manage post-disbursement documentation.
- Customer Service & Advisory: Serve as the primary point of contact for clients, resolving issues and providing expert financial advice. This can involve educating farmers on debt waivers, crop insurance, and digital banking platforms.
- Internal Coordination: Liaise effectively with internal teams such as credit, legal, risk management, and operations to facilitate smooth loan processing and service delivery for clients.
- Relationship Management: Strong interpersonal skills to build trust and long-term relationships with diverse clients, from individual farmers to corporate entities.
- Communication & Negotiation: Excellent verbal and written communication skills, often requiring proficiency in the local language to interact effectively with the rural community.
- Business Development: A proactive, target-oriented approach to sourcing new business and expanding the client base.
Manager
Axis Bank
05.2021 - 09.2022
- Client relationship management: Build and maintain strong relationships with corporate clients, understand their business models, and assess their working capital
- Working capital solutions: Structure and offer appropriate working capital solutions, such as cash credit, bank guarantees, letters of credit, and supply chain finance, to meet clients' requirements.
- Credit analysis and risk assessment: Analyze clients' financial statements, cash flow, and overall financial health to assess creditworthiness and determine appropriate lending terms.
- Sales and portfolio growth: Actively seek opportunities to expand the bank's working capital portfolio by acquiring new clients and generating leads from existing ones.
- Portfolio hygiene and monitoring: Track the utilization patterns of credit facilities, ensure timely submissions of stock statements and insurance, and work to minimize client delinquency.
- Cross-selling: Promote and cross-sell other banking products and services, such as trade finance or foreign exchange transactions, to clients.
- Liaison with internal departments: Coordinate with internal teams, including credit, operations, and trade desks, to resolve client issues and facilitate transactions efficiently.
Deputy manager
HDFC Bank Ltd.
12.2014 - 05.2021
- Sourcing source business from agri individuals for their crop and term loan requirements.
- Manage the sale of products like Kisan Gold Card, small agri-business loans, and traders' cash credit to agri-individuals or trading enterprises. Manage the existing as well as future relationships
- Improved team efficiency by streamlining processes and implementing innovative management strategies.
- Identified areas for improvement within the department, implementing strategic initiatives to address gaps in performance or resources.
- Collaborated with cross-functional teams to drive business growth and achieve corporate objectives.
- Increased customer satisfaction levels by developing targeted strategies to address client concerns effectively.
Education
MBA - Marketing
Barkatullah University
BhopalSkills
Team leadership
Interests
Playing cricket, listening to music & reading
Accomplishments
- Surpassed the annual pledge commodity funding target of ₹30 crore by successfully originating, processing, and disbursing loans backed by warehouse receipts for agricultural goods.
- Exceeded annual performance targets by over 100% through effective client engagement and strategic planning, providing essential support to a large number of clients.
- Managed and grew a high-value client portfolio, increasing the average ticket size of loans and consistently exceeding revenue targets
References
Can provide on request.
Personal details
- DOB: 1990-09-13
- Married: Yes
Timeline
Manager
HDFC BANK Ltd.
09.2022 - Current
Manager
Axis Bank
05.2021 - 09.2022
Deputy manager
HDFC Bank Ltd.
12.2014 - 05.2021
MBA - Marketing
Barkatullah University