UJJWAL KUMAR SINGH
Hazaribagh,Jharkhand
Summary
Dedicated professional committed to driving growth within dynamic organizations, leveraging expertise in SME/Commercial Banking, client acquisition, and portfolio management while pursuing continuous skill enhancement.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Senior Manager – SME (Commercial Banking Group)
Axis Bank Ltd
Ranchi, Jharkhand
09.2022 - Current
- Managed end-to-end SME/MSME credit proposals, ensuring regulatory compliance, risk mitigation, and a healthy loan portfolio with minimal irregularities.
- Acquired and managed SME clients for Working Capital, LC, BG, OD, and Trade Forex products; achieved revenue and profitability targets while cross-selling ancillary products.
- Streamlined loan processing, credit monitoring, and portfolio reviews, reducing TAT, and enhancing operational efficiency.
- Led, trained, and motivated sales teams; collaborated with cross-functional departments to improve credit underwriting, and drive business growth.
- Conducted market analysis, identified new business opportunities, and implemented policies to enhance portfolio quality and income generation.
Circle Sales Manager (Working Capital)
TATA Motors Finance Ltd
Jharkhand Bihar and Odisha
06.2022 - 09.2022
- Managed working capital, overdraft (OD), bill discounting, and LAP sales across the assigned region.
- Built and nurtured strong MSME/SME client relationships, ensuring portfolio health, and regular utilization of limits.
- Led the sales team's productivity, including channel development, partner coordination, and portfolio compliance.
- Drive business growth, meet revenue and profitability targets, and maintain a healthy, low-risk loan portfolio.
- Monitored market trends and competition, identifying new opportunities for SME finance expansion.
- Developed and implemented strategic sales plans to drive market growth.
- Led sales team to achieve quarterly targets and motivate team members.
- Coordinated training sessions for staff to enhance product knowledge and skills.
- Conducted regular performance reviews to monitor team progress and provide feedback.
- Managed budget allocations effectively to optimize resource utilization in sales initiatives.
- Developed sales plans, goals, strategies and objectives to achieve team goals and revenue objectives.
Relationship Manager – Working Capital
Kotak Mahindra Bank Ltd
Ranchi and Jamshedpur, Jharkhand
08.2019 - 01.2022
- Managed WC, BG, LC, OD, DOD, and Trade Forex portfolios, processing loans, monitoring delinquencies, and achieving monthly business targets.
- Built and maintained strong SME client relationships, offering tailored financial solutions and investment advisory.
- Cross-sold liability and asset products, enhancing portfolio yield, fee income, and customer retention.
- Conducted portfolio risk assessments, client meetings, and ensured seamless transactions with cross-functional coordination.
Sales Manager – Small Business Banking
Axis Bank Ltd
Jharkhand Bihar
09.2013 - 08.2019
- Managed SME working capital, BG, LC, OD, and trade Forex portfolios while ensuring compliance and maintaining a healthy loan book.
- Led and trained a 14-member sales team, driving channel productivity, and consistently achieving monthly business targets.
- Cross-sold CASA, mutual funds, insurance, and other banking products, enhancing portfolio revenue and client engagement.
- Oversaw branch operations, client portfolio performance, and regional sales activities, expanding market share, and improving sales performance.
- Developed strategic sales plans, forecasts, and schedules to meet productivity targets, and identify new business opportunities.
- Built and nurtured long-term client and partner relationships, boosting retention, and driving sustainable business growth.
Account Assistant
Muthoot Finance Ltd
04.2011 - 09.2013
- Gold appraising, loan processing, foreign exchange, and money transfer operations.
Accounts & Tax Consultant
M/s Dinesh Chandra Agrawal & Co
12.2007 - 03.2009
- Managed direct & indirect taxation, client advisory, and compliance.
Accounts & Audit Assistant
M/s Avinash Jain & Co
Hazaribgah, Jharkhand
11.2005 - 12.2007
- Conducted audits, prepared financial statements, and managed client accounts.
- Performed bank reconciliations and analyzed financial data to identify discrepancies.
- Prepared audit reports and reviewed internal controls to ensure compliance.
- Maintained accurate filing systems and ensured confidentiality of client financial information.
- Collaborated with team members to streamline accounting processes and workflows.
Education
M.Com - Finance
Vinoba Bhave University
B.Com - Hons. Accounts
Markham College of Commerce
Higher Secondary - Commerce
Markham College of Commerce
Skills
- Credit analysis
- Risk assessment
- Sales strategy
- Financial modeling
- Regulatory compliance
- Customer relationship management
- Business development
- Portfolio management
- Operational efficiency
- Team leadership
- Effective communication
- Problem-solving aptitude
- Self motivation
Certification
- Professional Diploma in Computer Applications
- Certificate in Fundamentals of Life Insurance and Annuities – TATA AIG & IRDA
Languages
- Hindi
- English
Accomplishments
- Pan India 4th Rank – Retail Lending & Cards Icon, FY 2014-15
- Sartaj CSO Award – Circle Rank 5, FY 2016-17
- Pan India 3rd Rank – SBB & Retail Lending, FY 2016-17
- Knight of Insurance Campaign – Qualified, 2016
- 3-time Qualifier – SBB NSM Club, FY 2017-18
- Outstanding Performance in Portfolio Retention – Business Head (Q2 & Q3), FY 2017-18
- Outstanding Performance in Portfolio Retention – NSM (Q4), FY 2017-18
- RFR Winner – Outstanding Performance, FY 2017-18
- RFR-Kochi Winner – Outstanding Performance, FY 2018-19
- MoM Winner (Q1–Q4) – Zero Irregularity & Compliance Cube, FY 2018-19
- Top 10 Pan India Ranking – Working Capital RM, CFY 2021
- MoM Winner (Q3 & Q4) – Symbiosis 1.0 & 2.0, FY 2023-24
- MDRT-R&R Bali Winner – Outstanding Performance, FY 2024-25
- R&R Cruise Goa winner – outstanding performance, FY 2023-24
Personal Information
- Date of Birth: 04/11/87
- Nationality: Indian
Timeline
Senior Manager – SME (Commercial Banking Group)
Axis Bank Ltd
09.2022 - Current
Circle Sales Manager (Working Capital)
TATA Motors Finance Ltd
06.2022 - 09.2022
Relationship Manager – Working Capital
Kotak Mahindra Bank Ltd
08.2019 - 01.2022
Sales Manager – Small Business Banking
Axis Bank Ltd
09.2013 - 08.2019
Account Assistant
Muthoot Finance Ltd
04.2011 - 09.2013
Accounts & Tax Consultant
M/s Dinesh Chandra Agrawal & Co
12.2007 - 03.2009
Accounts & Audit Assistant
M/s Avinash Jain & Co
11.2005 - 12.2007
M.Com - Finance
Vinoba Bhave University
B.Com - Hons. Accounts
Markham College of Commerce
Higher Secondary - Commerce
Markham College of Commerce
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