Open To Work
Verified
This profile is verified using an email address.
Utkarsh D Athlay
Raipur
Work Preference
Summary
Senior Relationship Manager with over 20 years in corporate portfolio management. Expertise in driving portfolio growth and profitability through strategic cross-selling of Trade Finance, Forex, CMS, and liability products. Committed to maintaining portfolio hygiene and ensuring compliance while excelling in risk management and revenue development.
Overview
20
20
years of professional experience
Work History
Senior Relationship Manager
HDFC Bak Ltd
Raipur
01.2025 - 05.2026
- Owned and managed an SME/Wholesale Banking portfolio of ₹451 Cr as SPOC, covering clients with turnover from ₹10 Cr to ₹1,000+ Cr, ensuring end-to-end relationship ownership
- Drove ALM growth from ₹100 Cr to ₹251 Cr through limit enhancements, timely renewals, and new-to-bank acquisitions, while improving portfolio profitability and hygiene.
- Deepened wallets share through cross-selling Trade Finance, Forex, CMS, Liability, TPP, and Asset products, enhancing long-term client relationships.
- Led credit appraisal and structuring by preparing CAMs, analysing company financials, resolving credit queries, and negotiating pricing and commercial terms to close deals.
• Managed end-to-end post-sanction and post-disbursement lifecycle, including documentation, legal and valuation, disbursement, DP setup, stock statements, TODs, and timely regularization, ensuring strong credit discipline.
Relationship Manager (SEB)- Working Capital
YES Bank Ltd
09.2021 - 12.2025
- Prepared CAM reports and conducted financial and limit analyses to support business decisions.
- Negotiated customer rates and resolved issues related to charges, facilitating deal closures.
- Managed timely renewal of limits and secured credit approvals for deferrals and extensions.
- Followed up on credit monitoring issues such as TOD, interest servicing, and churning to ensure compliance.
- Documentation and disbursement of Adhoc/Interim approvals & follow up for timely regularization.
- Individual leads generation through existing clients, reference & through Other resources available at market.
Relationship Manager (SMEG)- Working Capital
ICICI Bank Ltd
03.2019 - 09.2021
- Ensured income stability from existing clients while identifying new income opportunities within the customer base.
- Add value to the client and stay ahead of the competition by structuring and implementing innovative deals in working capital, term loan and project finance.
- Use credit knowledge and knowledge of various products for deal structuring.
- Maintain CEO/CFO relationships with SMEs to originate business.
- Managed customer relationships to expand account size and deepen engagement.
- Manage trade finance, general blog operation for cash management services i.e., working capital cycle of the company.
- Achieved individual targets and increased account profitability while upholding high service standards and compliance.
Relationship Manager (EEG) - Working Capital
HDFC Bank Ltd
06.2016 - 03.2019
- Generation of new leads for WC verticals.
- CAM Preparation, file login with credit and resolution of credit queries.
- Getting post sanction documents executed, arranging legal and valuation reports etc & login with Ops.
- Follow up and closure of post disbursement deferrals, incl. mortgage creation.
- Ensuring timely renewal of limits and arranging credit approvals for any deferrals / extensions etc.
- Facilitated credit approvals for TOD, adhoc, and interim requests from customers.
- Followed up on regularization of credit monitoring issues, including TOD, interest servicing, and churning.
Branch Manager
HDFC Bank Ltd
08.2011 - 06.2016
- Joined HDFC Bank as PBA/TA, promoted as Branch Head.
- Managed branch profitability while delivering high-quality service and fostering strong customer relationships.
- Ensure achievement of overall Branch Targets by generating business and cross sales.
- Complied with banking rules, regulations, and procedures.
- Ensured compliance with regulatory and statutory requirements for the branch and products.
- Met internal and external audit deliverables according to prescribed norms.
- Consistently achieved cross-selling targets, enhancing customer engagement and satisfaction.
Branch Service Delivery Leader
Yes Bank Ltd
12.2007 - 06.2011
- Joined Yes Bank as Branch Service Partner, promoted as Branch Service Delivery Leader.
- Exceeded all service and process parameters set by the bank.
- Exceeded branch business targets related to cross-sell of various banking and third-party products.
- Successfully achieved healthy book size for the branch.
- Branch is in top 3 in terms of Retail banking operational health.
- Managed operational aspects on KYC norms and cash department operations which resulted in NIL audit comment.
- Ensured implementation of all internal and external guidelines/process notes for teller functions and branch operations.
- Monitoring and control of deposits suspense account, cash GL, ATM GL and various other internal accounts on a daily basis.
- Received a satisfactory audit rating in the last internal audit.
- To play the role of guide and mentor to reporting personnel with respect to sales / service and operational efficiency.
- Build effective relationship with customers through proactive communication with the customers.
Customer Service Executive
Standard Chartered Bank
01.2007 - 12.2007
- Coordinated activities related to Teller Service Manager, pay-orders, demand drafts, generation of MIS, and account reconciliation.
- Maintained records in compliance with statutory standards to ensure regulatory adherence.
- Monitored responsibilities of Teller & CSE desks, managed Locker Department, processed RBI and inter-branch transactions, and oversaw back office operations for clearing, account opening, cash services, and streamlined processes.
Executive Operations
Centurion Bank of Punjab
12.2005 - 08.2006
- Managed clearing operations for loan, savings, and current accounts department, ensuring compliance and efficiency.
- Coordinated activities related to BOSM, pay-orders, demand drafts, and reconciliation of accounts to enhance operational accuracy.
- Reviewed and authorized vouchers prior to payment based on established company guidelines.
- Ensuring timely preparation and maintenance of necessary records in compliance with statutory standards.
Education
MBA - Finance, Marketing
Nagpur University
Nagpur Maharastraa01-2005
B.Com. - Commerce
Pt. Ravi Shankar Shukla University
Raipur01-2003
12th Standard - Commerce
M. P. Board
Raipur01-2000
10th Standard -
M. P. Board
Raipur01-1998
Skills
- Customer interaction
- Revenue development
- Portfolio management
- Strategic planning
- Financial analysis
- Client retention
- Credit appraisal
- Market research
- Trends analysis
- Trade finance
- Team Training
Additional Qualifications
- Certification course in Software, HTML, C from TATA InfoTech, Raipur.
- IRDA Certified.
Personal Information
- Father's Name: Shri D.M. Athlay
- Mother's Name: Late Smt. Devyani Athlay
- Date of Birth: 05/05/83
Accomplishments
- Achieved an award for the Insurance MDGH Club in 2013.
- Won the awards for three consecutive years for Power of One at Yes Bank Ltd.
- Won the awards for three consecutive years for the League of Extraordinary at Yes Bank Ltd.
- Won the award for Compliance Champion at HDFC Bank Ltd.
Timeline
Senior Relationship Manager
HDFC Bak Ltd
01.2025 - 05.2026
Relationship Manager (SEB)- Working Capital
YES Bank Ltd
09.2021 - 12.2025
Relationship Manager (SMEG)- Working Capital
ICICI Bank Ltd
03.2019 - 09.2021
Relationship Manager (EEG) - Working Capital
HDFC Bank Ltd
06.2016 - 03.2019
Branch Manager
HDFC Bank Ltd
08.2011 - 06.2016
Branch Service Delivery Leader
Yes Bank Ltd
12.2007 - 06.2011
Customer Service Executive
Standard Chartered Bank
01.2007 - 12.2007
Executive Operations
Centurion Bank of Punjab
12.2005 - 08.2006
MBA - Finance, Marketing
Nagpur University
B.Com. - Commerce
Pt. Ravi Shankar Shukla University
12th Standard - Commerce
M. P. Board
10th Standard -
M. P. Board